Zakat calculator
Add up what you own and take away what you owe right now. If what is left is above the nisab and has been yours for a lunar year, your zakat is 2.5% of it.
- What you have
- What you owe now
- Net wealth
- Nisab
How it works
- Add what you own: cash, bank balances, gold, silver, investments, business stock and money owed to you.
- Take away debts that are due now.
- Compare with the nisab: the value of 595 g of silver, or 85 g of gold. Many scholars advise silver, so more reaches the poor.
- If you are above it and the wealth has been yours for a lunar year, pay 2.5%.
Where the numbers come from
- 2.5%, one fortieth. In the letter on zakat that Abu Bakr sent to Bahrain: “For silver the Zakat is one-fortieth of the lot.” Sahih al-Bukhari 1454
- The nisab. “When you possess two hundred dirhams and one year passes on them, five dirhams are payable. Nothing is incumbent on you, that is, on gold, till it reaches twenty dinars.” Sunan Abi Dawud 1573 And: “No Zakat is due on property mounting to less than five Uqiyas (of silver).” Sahih al-Bukhari 1405 In today’s weights these are usually taken as 595 g of silver and 85 g of gold; some scholars use slightly different weights (about 612 g and 87.5 g).
- One lunar year. “No zakat is payable on property till a year passes on it.” Sunan Abi Dawud 1573
- Today’s prices. Gold and silver spot prices from gold-api.com and exchange rates from the Exchange Rate API, loaded when you open the page. You can type your own gram price.
Questions, answered carefully
How is zakat calculated?
Add up your zakatable wealth: cash, bank balances, gold and silver, investments, business stock and money owed to you. Take away debts that are due now. If what is left has stayed above the nisab for a lunar year, pay 2.5% of it.
What is nisab?
Nisab is the least wealth that makes zakat due: the value of 595 grams of silver or 85 grams of gold. Many scholars advise using the silver nisab so that more charity reaches the poor; this calculator lets you use either.
Should I use the gold or the silver nisab?
Both are held by scholars. The silver nisab is lower, so more people pay and more reaches those in need; many contemporary scholars advise it when your wealth is cash or mixed. Others use gold, especially when what you own is gold. If you are unsure, the silver nisab is the cautious choice.
Do I pay zakat on jewellery I wear?
Scholars differ. The Hanafi school counts gold and silver jewellery. The Maliki, Shafi’i and Hanbali schools generally do not count jewellery kept for personal use. Follow your school or ask a scholar; if you count it, enter its weight in the gold or silver field.
What about my pension or 401(k)?
Scholars differ. Many count only what you could withdraw today, after tax and penalties; others pay once the money becomes available to you. This calculator does not add pensions for you, so ask a scholar or a zakat institution about yours.
Can I deduct my mortgage or other loans?
Many methods deduct only debts that are due now, such as this month’s payments and bills, not the whole balance still to pay; some deduct the next twelve months. This calculator deducts what you enter as due now.
When should I pay?
Once a full lunar year has passed while your wealth stayed above the nisab. Many people pay in Ramadan, and that is fine if it is your zakat date or earlier.
Does this calculator store my numbers?
No. Everything is worked out in your browser; nothing is sent or saved anywhere.
Is this a fatwa?
No. It is a careful estimate using the widely followed method. For your own situation, especially business, property, pensions or debts, ask a qualified scholar or a zakat institution.
Hush keeps your daily rhythm of verse, du'a and dhikr, so the year between zakat days is just as alive.
Download Hush free