How it works
Zakat on wealth is due once a year on money and trade assets that have stayed above the nisab (the minimum threshold) for a full Hijri year, called the hawl. The rate is one quarter of one tenth — 2.5%.
Step 1 — Add up what you own
- Cash and bank balances, including savings and current accounts and cash at home.
- Gold and silver at today’s market value. (Scholars differ on everyday jewellery worn by women; follow the opinion you rely on.)
- Trade goods held for sale, valued at their current selling price.
- Money owed to you that you expect to be repaid.
- Shares and investments at their zakatable value.
Step 2 — Subtract debts due now
Subtract debts you must pay now (for example, a bill or an instalment that is due). Long-term debts are treated differently by different scholars; many deduct only the part that is due within the year.
Step 3 — Compare with the nisab
nisab = 85 g × gold price per gram or 595 g × silver price per gramThe nisab of gold is 20 mithqals, about 85 grams of pure gold; the nisab of silver is 200 dirhams, about 595 grams of pure silver. Prices change every day, so this calculator does not fetch them — enter today’s price per gram from a trusted source in the same currency as your wealth. Many scholars prefer the silver nisab for cash because it is lower and benefits more people; others use gold.
Step 4 — Calculate zakat
zakat = (assets − debts due) × 2.5%Worked example. You have 500,000 in cash and owe 50,000 that is due now. Net wealth = 450,000. Gold costs 4,000 per gram, so the gold nisab is 85 × 4,000 = 340,000. Because 450,000 is above the nisab, zakat = 450,000 × 2.5% = 11,250.
All amounts are calculated in whole cents. The rules (2.5%, 85 g, 595 g) are stored in one versioned rules file with the date they were checked, shown below. To find when your Hijri year is complete, use the Hijri converter.