Free Zakat Calculator زکوٰة کیلکولیٹر

What Is a Zakat Calculator?

Zakat (زكاة) is one of the Five Pillars of Islam — an obligatory annual almsgiving paid by eligible Muslims on wealth that has been held for one full lunar year (Hawl) and exceeds the Nisab threshold. The standard Zakat rate is 2.5% (one-fortieth) of the total zakatable wealth. Zakat purifies wealth, fulfils a religious obligation and redistributes wealth within the Muslim community to the eight eligible categories (asnaf) mentioned in Quran 9:60.

Calculating Zakat correctly can be complex when wealth spans multiple asset types — gold, silver, cash, business inventory, stocks and cryptocurrency each have specific rulings. This calculator applies the rules of all four major madhabs (Hanafi, Maliki, Shafi'i and Hanbali), explains key differences (especially on jewelry), and gives you a clear, verified Zakat figure with a full breakdown chart.

How to Use the Zakat Calculator - Step by Step

1. 1

   Choose your Nisab standard

   Select the Gold Nisab (85g gold — widely used in contemporary fatawa) or Silver Nisab (595g silver — lower threshold, includes more wealth). Enter the current gold or silver price per gram in your local currency.

2. 2

   Enter your zakatable assets

   Fill in your cash savings, gold (in grams), silver (in grams), gold jewelry (if you follow the Hanafi madhab), business inventory, trade receivables, stocks, cryptocurrency and other investments.

3. 3

   Deduct your liabilities

   Enter short-term debts and immediate liabilities due within the next 12 months. These are deducted from your total assets before calculating Zakat. Long-term debts are NOT deducted according to most scholars.

4. 4

   Review your Zakat breakdown

   See whether your net wealth meets or exceeds the Nisab. If eligible, your Zakat amount (2.5%) is calculated with a full asset-by-asset breakdown chart and a monthly equivalent figure for payment planning.

Frequently Asked Questions - Zakat Calculator

What is the Nisab for Zakat in 2026?

The Nisab changes with gold and silver market prices. The gold nisab is 85 grams of gold; the silver nisab is 595 grams of silver. Enter today's gold or silver price per gram in the calculator to get the exact Nisab value in your local currency. Many scholars recommend using the silver nisab as it is more inclusive.

Is Zakat due on gold jewelry?

This is one of the most debated issues in Zakat fiqh. The Hanafi madhab holds that Zakat is due on ALL gold and silver jewelry regardless of personal use. The Maliki, Shafi'i and Hanbali madhabs generally exempt gold jewelry in moderate personal use. Many contemporary scholars and the AAOIFI standard lean toward Zakat being due on jewelry if it exceeds normal personal use or is held as a store of wealth. This calculator lets you select your madhab position.

Is Zakat due on stocks and shares?

Yes. For stocks in halal companies, you may pay 2.5% on the full market value (the 'full value' method) or apply 2.5% to approximately 25% of the market value as a rough estimate of the zakatable assets underlying the company (the 'quarter method'). The more precise approach is to apply 2.5% to the zakatable net assets per share and multiply by the number of shares held.

Is Zakat due on cryptocurrency?

Contemporary Islamic finance scholars and fatawa bodies (including Darul Uloom Deoband and many Malaysian and Gulf fatwas) treat cryptocurrency held as a trading asset like cash or tradeable goods — Zakat is due on the market value at the Zakat payment date, provided the Hawl condition is met.

What is the Hawl condition?

Hawl means the wealth must have been held for one full Islamic lunar year (approximately 354 days). The calculation date is typically the anniversary of when your wealth first reached the Nisab. If your wealth drops below the Nisab at any point during the year, the Hawl resets.

Are long-term debts deducted from Zakat?

Scholarly opinion varies. The majority (Maliki, Shafi'i, Hanbali) allow deduction of only the instalment due within the current year, not the entire mortgage or loan balance. The Hanafi position allows deduction of the full debt. This calculator deducts only the short-term (within 12 months) portion by default — the most widely applied contemporary position.

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