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Finance Calc Kit
Personal finance

Zakat Calculator

Calculate your Zakat accurately based on gold, silver, cash, investments, and liabilities with current Nisab thresholds.

Assets and investments

$
$
$
$
$

Deductions and liabilities

$

Nisab settings

$
$

Zakat due

$200.00

Eligible for Zakat at 2.5%

Summary breakdown

Total assets$9,000.00
Total deductions-$1,000.00
Net zakatable wealth$8,000.00
Nisab threshold (Silver)$612.36
StatusZakat obligatory
Nisab gram weights and Zakat rates reflect commonly cited Islamic standards as of 2026-09-13. Gold and silver spot prices change daily, so update the per-gram inputs to match current market values.
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How to calculate Zakat on your wealth

Zakat is a mandatory charitable contribution for Muslims whose net zakatable wealth reaches or exceeds Nisab for one full lunar year. This calculator totals your cash, precious metals, investments, and receivables, subtracts short-term debts, compares the result to a gold or silver Nisab threshold, and applies the correct Zakat rate. All math runs in your browser. Nothing is sent to a server.

To value gold jewelry or bullion at current spot prices before entering totals here, use the gold melt calculator. To see how your overall financial position compares across all assets and liabilities, start with the net worth calculator and then apply the Zakat-specific rules below.

What is Nisab?

Nisab is the minimum net wealth that makes Zakat obligatory. The two classical benchmarks are based on the market value of fixed weights of pure gold or silver. As of 2026-09-13, this tool uses:

  • Silver Nisab: 612.36 grams of pure silver (widely recommended because the lower threshold benefits more recipients)
  • Gold Nisab: 87.48 grams of pure gold

Multiply the chosen gram weight by your current gold or silver price per gram to get the dollar Nisab threshold shown in the results panel.

Zakatable assets and deductions

Include cash on hand and in bank accounts, the current market value of gold and silver you own, stocks and mutual funds held for growth, business inventory held for trade, and reliable money owed to you. Personal items such as your primary home, daily-use vehicle, clothing, and work tools are generally exempt.

Deduct only immediate short-term debts and expenses due now or within the current year. Long-term mortgage principal is not deducted in full in most scholarly opinions.

Zakat formula

Net Zakatable Wealth=Total Assets−Short-Term Debts\text{Net Zakatable Wealth} = \text{Total Assets} - \text{Short-Term Debts}

If net zakatable wealth is at or above Nisab, Zakat is:

Zakat (Hijri)=Net Wealth×2.5%\text{Zakat (Hijri)} = \text{Net Wealth} \times 2.5\%
Zakat (Gregorian)=Net Wealth×2.577%\text{Zakat (Gregorian)} = \text{Net Wealth} \times 2.577\%

The 2.5% rate follows the Islamic lunar (Hijri) year. The 2.577% rate adjusts for the longer solar Gregorian year so the annual obligation stays proportionate.

Worked example

  1. Assets: $5,000 cash + $2,000 gold + $1,500 investments + $500 receivables = $9,000
  2. Short-term debts: $1,000
  3. Net zakatable wealth: $9,000 - $1,000 = $8,000
  4. Silver Nisab at $1 per gram: 612.36 g x $1 = $612.36 (threshold met)
  5. Zakat at 2.5% (Hijri): $8,000 x 0.025 = $200.00

Nisab gram weights and Zakat rates in this article reflect commonly cited Islamic standards as of 2026-09-13. Update gold and silver per-gram prices to match current market values before you pay.

Frequently asked questions

What percentage rate applies to Zakat?
The standard rate is 2.5% on a lunar (Hijri) year. On a solar Gregorian year (365 days), use 2.577% so the annual obligation stays proportionate to the longer cycle.
Should I use gold or silver Nisab?
Many scholars recommend silver Nisab because it is the lower threshold, which means more people pay Zakat and more recipients are helped. Both gold and silver Nisab are traditionally recognized.
Can I deduct my mortgage or student loans?
Generally, only short-term debts due immediately or within the current year are deducted. The full principal of long-term loans such as a 30-year mortgage is not subtracted all at once.
When is Zakat due?
Zakat becomes due once your wealth stays at or above Nisab for one full Islamic lunar year (Hawl). Many Muslims calculate and pay during Ramadan.
Are the results stored?
No. Changing the fields only updates the page URL so you can copy and share your inputs.
Which currency is used?
Amounts are formatted in US dollars (USD). Enter gold and silver prices per gram in the same currency.
What effective date do the Nisab weights use?
This tool uses silver Nisab of 612.36 g and gold Nisab of 87.48 g as of 2026-09-13. Spot prices should be updated to current market values.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.