Tools
Zakat, worked out plainly.
Enter what you own, subtract what you owe, and see 2.5% of your net wealth against the nisab — in your currency, with the arithmetic shown.
The basics
What zakat covers
Zakat is calculated on wealth that can grow — not on the things you use every day. These four groups cover most people.
Cash and savings
Notes at home, current accounts, savings accounts and digital wallets — the balance you actually hold today.
Gold and silver
Coins, bars and jewellery, valued at what they would sell for rather than what you paid.
Shares and investments
Stocks, funds, pensions and crypto you can access. Count the current value, not the original deposit.
Business stock
Goods bought to sell, including raw materials and finished products, at their market value.
Not zakatable: your home, car, clothes, furniture, phones and the tools you work with. Money you owe others is subtracted before the calculation, and an asset only counts once you have held it for a full lunar year.
Nisab
The line between giving and not giving.
Nisab is the threshold that decides whether zakat is due. It is tied to the value of silver and gold, so it moves as metal prices move. Because the calculator asks for today’s price per gram, the threshold is never out of date.
Silver sets a lower bar than gold. At the silver nisab, a smaller amount of wealth becomes zakatable — which is why many scholars recommend it for people holding a mix of assets.
Silver nisab
612.36 g
The lower threshold. Multiply by today’s silver price per gram.
Gold nisab
87.48 g
Equivalent to 7.5 tola. Multiply by today’s gold price per gram.
Worked example
Silver is 0.95 per gram, so the nisab is 612.36 × 0.95 = 581.74. Your net zakatable wealth is 6,000, which is above the nisab, so zakat is 2.5% × 6,000 = 150.00.
Prices are not fetched from a live feed — enter the current price from your bank, jeweller or a metals market. Figures in the example are illustrative.
Questions
Zakat, answered
The details that decide the number — nisab, the lunar year and what you can deduct.
What is nisab, and why does it matter?
Nisab is the minimum amount of wealth a Muslim must hold before zakat applies. It is set from the value of 612.36 grams of silver or 87.48 grams of gold. If your net zakatable wealth is below the nisab, no zakat is due for that year.
Should I use the silver or the gold nisab?
Silver is the lower threshold, so it brings more people into zakat and is generally safer for the poor. Many scholars recommend the silver nisab for people who hold a mix of assets. If your wealth is mostly gold, your school of thought may prefer the gold nisab — the calculator lets you switch.
When does zakat become due?
Zakat is due when your wealth has stayed above the nisab for one full lunar year (hawl). Many people choose a fixed date each year, often in Ramadan, so the calculation stays consistent. If wealth rises and falls during the year, you calculate on the anniversary date.
Do I pay zakat on my home, car or furniture?
No. Personal items in use — your home, car, clothes, furniture and tools of your trade — are not zakatable. The same applies to the home you live in and the car you drive, however valuable they are.
Can I subtract debts before calculating?
Short-term debts and bills due now reduce your zakatable wealth. For long-term debt such as a mortgage, scholars differ: some deduct the full outstanding amount, others only the instalments due in the coming year. The calculator subtracts what you enter, so choose the approach your scholar advises.
Is zakat always exactly 2.5%?
For most wealth, yes — the rate is 2.5% (one fortieth). Crops, livestock and mined metals have separate rates. This calculator covers cash, metals, investments and business stock, which are all calculated at 2.5%.