Zakat Calculator
Add up your zakatable wealth, subtract what you owe, check it against the nisab threshold, and get your 2.5% Zakat due — with a full step-by-step breakdown.
1Your wealth
Enter your wealth to calculate.
2Breakdown
How it works
- Total your zakatable assets — cash + gold + silver + investments + business goods + receivables.
- Subtract debts due within the year to get your net zakatable wealth.
- Check the nisab — the value of 85 g of gold or 595 g of silver. Zakat is due only when your net wealth meets or exceeds it and has been held for one lunar (Hijri) year.
- Multiply by 2.5% — that is your Zakat due for the year.
Zakat rulings vary among scholars and schools of thought — for example on personal jewelry, retirement accounts, which debts are deductible, and whether the gold or silver nisab applies. Gold and silver prices above are samples, not live quotes. This calculator follows the widely used 2.5% method on net zakatable wealth held for one lunar year. It is an estimation aid, not a fatwa — when in doubt, please verify with a qualified scholar or imam.
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Islamic Inheritance Calculator — divide an estate according to fixed Quranic shares, with ‘awl, radd, and residuary rules.
More free tools — browse every ToolWitty calculator.
Calculated with the free Zakat Calculator at toolwitty.com/ — an estimation aid, not a fatwa. Verify with a qualified scholar.
Zakat Calculator: How Much Zakat Do I Owe?
Zakat — the obligatory charity that is one of the Five Pillars of Islam — is due on qualifying wealth held for one lunar (Hijri) year, at a rate of 2.5%. But working out exactly what counts, subtracting what you owe, and checking the nisab (minimum threshold) trips up even careful people. Our free zakat calculator walks you through it: enter your cash, gold, silver, investments, business goods, and receivables, subtract your debts, pick a nisab standard, and get your zakat due instantly — with a full breakdown of every line and a visual chart of your assets.
How to Use the Zakat Calculator
- Enter your cash and bank balances — checking, savings, and cash on hand.
- Add gold and silver by weight in grams. Update the per-gram prices with today’s spot price (sample prices are pre-filled — always replace them with live prices).
- Add investments and business assets — the market value of stocks and mutual funds, plus the wholesale value of business inventory held for sale.
- Add money owed to you that you expect to recover, then subtract your debts — loans and liabilities due within the year.
- Choose your nisab standard — silver (595 g, the lower and more cautious threshold) or gold (85 g).
- Read your result: net zakatable wealth, the nisab threshold in your currency, whether nisab is met, and your 2.5% zakat due — then copy, share, or print it.
The Zakat Formula, Explained
Step 1 — Total your zakatable assets:
cash + gold + silver + stocks/investments + business inventory + receivables
Step 2 — Subtract debts due within the year to get net zakatable wealth.
Step 3 — Check the nisab. Zakat is only due if your net wealth meets or exceeds the nisab — the value of 85 grams of gold or 595 grams of silver. Many scholars recommend using the silver nisab because it is lower, meaning more people qualify and more charity reaches those in need.
Step 4 — Calculate: Zakat due = net zakatable wealth × 2.5%
Two conditions apply: the wealth must be at or above nisab, and it must have been held for one full lunar (Hijri) year (hawl). Most people simplify this by choosing one date each year — often in Ramadan — and calculating on everything they hold that day.
What’s Zakatable (and What Isn’t)?
Generally zakatable: cash and bank balances, gold and silver (including jewelry, according to many scholars — the Hanafi school includes personal gold jewelry), stocks and mutual funds, business inventory and trade goods, and recoverable loans you’ve made. Generally not zakatable: your home, car, furniture, and other personal-use items; business equipment and tools of your trade; and wealth below the nisab. Retirement accounts, rental properties, and business real estate have specific scholarly treatments — the rates and methods differ, so check with a scholar for those.
Worked Example
Amina has $5,000 in savings, 20 grams of gold (at $135/g = $2,700), $3,000 in a brokerage account, and owes $1,500 on a personal loan. Using the silver nisab at $1.60/g:
- Assets = 5,000 + 2,700 + 3,000 = $10,700
- Net wealth = 10,700 − 1,500 = $9,200
- Silver nisab = 595 × $1.60 = $952 → $9,200 ≥ $952, nisab met
- Zakat due = 9,200 × 2.5% = $230.00
Try these exact numbers in the calculator above to see the breakdown and chart update live.
Gold Nisab vs. Silver Nisab
Because silver is far cheaper than gold per gram, the silver nisab (595 g) is dramatically lower than the gold nisab (85 g) — often under $1,000 versus over $10,000. Scholars differ on which to use; the majority position in many communities is that either fulfills the obligation, while others strongly recommend the silver standard as the cautious option that maximizes benefit to recipients. The calculator lets you switch between both so you can see the difference instantly.
Tips for Calculating Zakat
- Pick one zakat date each year and stick to it — it simplifies the lunar-year (hawl) requirement enormously.
- Use the same day’s prices for gold, silver, and stocks — consistency matters more than perfection. The pre-filled prices are samples, not live quotes.
- Deduct only genuine short-term debts — the loan payment due now, not a 30-year mortgage balance (scholars differ here; when in doubt, ask).
- Pay promptly. Once calculated, zakat should be distributed without unnecessary delay to eligible recipients (the eight categories in Quran 9:60).