Zakat Calculator — Calculate Your Zakat Accurately (2026)
A simple, private Zakat calculator using current gold and silver Nisab values. No login, no data stored — calculate and pay with confidence.
Understanding Zakat — A Pillar of Islam
Zakat is one of the Five Pillars of Islam, an obligatory act of worship and charity for every eligible Muslim. The standard rate is 2.5% of net zakatable wealth, due once your qualifying wealth has equalled or exceeded the Nisab threshold and remained in your possession for one full lunar year — known as the Hawl. Zakat purifies wealth, fulfils a religious obligation, and provides essential support to those in need within the community.
What Is Nisab — and Which Should You Use?
Nisab is the minimum threshold of wealth a Muslim must possess before Zakat becomes obligatory. It's based on two precious metal standards, established by the Prophet ﷺ:
| Standard | Weight | Origin | Effect |
|---|---|---|---|
| Gold Nisab | 87.48 grams (20 dinars) | Hadith-based standard | Higher threshold — fewer people qualify |
| Silver Nisab | 612.36 grams (200 dirhams) | Hadith-based standard | Lower threshold — more people qualify, more reaches those in need |
Because gold has risen dramatically in value relative to silver since the time of the Prophet ﷺ, the gold Nisab is now roughly 12-15 times higher in monetary terms than the silver Nisab. This wasn't a calculation choice — it reflects how the relative market values of the two metals have shifted over fourteen centuries.
Differences by School of Thought (Madhab)
The four major Sunni schools of jurisprudence differ slightly on certain details — particularly around jewelry and debt deduction:
| Madhab | Worn Jewelry | Debt Deduction |
|---|---|---|
| Hanafi | Included — Zakat due on all jewelry | Deducts debts due within 12 months |
| Shafi'i | Exempt — worn jewelry excluded | No debt deduction |
| Maliki | Exempt — worn jewelry excluded | Deducts debts due within 12 months |
| Hanbali | Exempt — worn jewelry excluded | Deducts debts due within 12 months |
The Hanafi school is the most widely followed globally and takes the more inclusive approach on jewelry. If you're unsure which to follow, the Hanafi approach is the most common default, but consulting a local scholar or imam for guidance specific to your situation is always recommended for matters of religious obligation.
What Counts as Zakatable Wealth?
| Asset Type | Zakatable? | Notes |
|---|---|---|
| Cash & bank savings | ✓ Yes | Includes current accounts, savings, mobile wallets held for the full year |
| Money owed to you | ✓ Yes | Only if repayment is genuinely expected |
| Gold & silver | ✓ Yes | Jewelry treatment varies by madhab — see table above |
| Stocks & investments | ✓ Yes | Market value of shares held for trading or investment purposes |
| Cryptocurrency | ✓ Yes | Treated similarly to cash/investments by most contemporary scholars |
| Business stock-in-trade | ✓ Yes | Goods held for resale, valued at current market price |
| Primary residence | ✗ No | Your home you live in is not zakatable |
| Personal vehicle | ✗ No | For personal use, not zakatable |
| Debts due within 12 months | ➖ Deduct | Subtracted from total before calculating Zakat |
How the Calculation Works
The process this calculator follows:
- Add up your zakatable assets — cash, gold, silver, investments, business assets
- Subtract qualifying debts due within the next 12 months
- Compare the result to the Nisab threshold (gold or silver, your choice)
- If your net wealth meets or exceeds Nisab, Zakat is due at 2.5% of the full net amount — not just the portion above Nisab
When Is Zakat Due?
Zakat becomes obligatory once your wealth has remained at or above the Nisab threshold continuously for one full lunar (Hijri) year — your personal "Zakat anniversary." Many Muslims choose to calculate and pay during Ramadan for its spiritual significance, but Zakat can be paid at any point after your individual Hawl date. Paying early, or in instalments throughout the year, is permissible — as long as the total given equals the full amount due by your due date.
Frequently Asked Questions
What is the Nisab threshold for 2026?
The Nisab is based on either 87.48 grams of gold or 612.36 grams of silver, valued at current market prices. Because gold and silver prices fluctuate daily, the monetary value of Nisab changes regularly — always check current spot prices for gold and silver in your currency before finalising your calculation. Many contemporary scholars recommend using the silver Nisab since it is the lower, more inclusive threshold.
Should I use the gold Nisab or silver Nisab?
Both are valid Islamic standards based on hadith. Many contemporary scholars recommend the silver Nisab because it is significantly lower, meaning more Muslims fulfil their Zakat obligation and more support reaches those in need — considered the more cautious approach for an obligation of charity. Other scholars favour the gold Nisab. If you follow a specific school of thought or local scholar with different guidance, follow their direction — this calculator lets you toggle between both.
Is Zakat due on jewelry I wear regularly?
This depends on your school of thought. The Hanafi school holds that Zakat is due on all gold and silver jewelry regardless of whether it's worn. The Shafi'i, Maliki, and Hanbali schools generally exempt jewelry that is worn regularly for personal adornment rather than held as investment. If you're unsure which to follow, consult a local imam or scholar, as this is considered a matter of religious ruling specific to your circumstances.
Can I pay Zakat in instalments throughout the year?
Yes. Many Muslims split their Zakat into instalments paid throughout the year rather than as one lump sum, which can make the obligation easier to manage. The requirement is that the full amount due is paid by your Zakat due date (the end of your Hawl year) — paying early or progressively is permissible, as long as the total given equals your full obligation.
Is Zakat due on cryptocurrency?
Most contemporary scholars treat cryptocurrency similarly to cash or tradeable investments for Zakat purposes — it is generally considered zakatable at its current market value if held for one full lunar year above the Nisab threshold. As this is a relatively newer area of Islamic finance scholarship, opinions can vary, and consulting a knowledgeable scholar for guidance specific to your holdings is advisable if your crypto assets are significant.
What debts can I deduct before calculating Zakat?
Generally, debts that are due for repayment within the next 12 months can be deducted from your zakatable wealth before calculating the 2.5%. This typically includes short-term loans, credit card balances, and bills due imminently. Long-term debts like a mortgage are typically not deducted in full — only the portion due within the coming year. Treatment of debt deduction varies slightly by madhab, as shown in the comparison table above.
Disclaimer: This calculator is provided as an educational tool to assist with Zakat calculation and does not constitute a religious ruling (fatwa). For matters specific to your individual circumstances, school of thought, or complex assets, please consult a qualified Islamic scholar or imam.