Free Zakat Calculator
Work out zakat at 2.5% on cash, gold, silver by karat, investments, stock and receivables minus debts, with gold or silver nisab and your own prices.
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How to calculate zakat on savings, gold, silver and business assets
Add up zakatable wealth, subtract debts due now, compare with the nisab and see the 2.5% zakat due, in any currency.
- Choose your currency and enter today's price per gram of pure gold (24K) and pure silver (.999) from a source you trust.
- Enter cash, bank balances, the zakatable value of shares and funds, business stock at its sale value and money owed to you that you expect to receive.
- Add each item of gold or silver by weight and karat or fineness. The calculator converts it to pure metal.
- Enter short-term debts and bills due now, then choose whether to measure the nisab by gold or silver and which weight to use.
- Read your net zakatable wealth, the nisab value and the zakat due, then copy the summary.
When to use a zakat calculator
Zakat is the obligatory annual charity for Muslims whose wealth reaches the nisab and has been held for a full lunar year (the hawl). Many people calculate it once a year on a fixed Hijri date, often in Ramadan, by listing savings, gold and silver, investments and business assets and subtracting debts that are due.
The calculator brings those items together, converts jewellery and coins of different karats to pure metal, and applies the 2.5% rate in your own currency, with prices you enter so the result reflects the market on your zakat date.
Worked example
Suppose gold is 400 and silver is 5 per gram of pure metal (example prices; use today's). You hold 20,000 in cash, 150,000 in the bank, investments with a zakatable value of 50,000, 10,000 owed to you, 50 g of 22K gold and 200 g of sterling silver, and you have 30,000 of debts due now.
The gold is 50 × 22/24 = 45.83 g pure, worth 18,333.33. The silver is 200 × 0.925 = 185 g pure, worth 925. Total assets are 249,258.33 and net zakatable wealth is 219,258.33. The gold nisab (87.48 g × 400) is 34,992 and the silver nisab (612.36 g × 5) is 3,061.80; either way the wealth is above it, so zakat due is 2.5% of 219,258.33 = 5,481.46.
With only 3,000 in savings and no other assets, wealth is below the silver nisab of 3,061.80 at these prices, so no zakat is due. With the rounded weights, the nisab would be 85 g × 400 = 34,000 for gold or 595 g × 5 = 2,975 for silver.
How the calculation works
Pure metal weight = weight × purity, where 22K is 22/24 (91.7%), 18K is 18/24 (75%) and sterling silver is 0.925. Metal value = pure grams × price per gram. Net zakatable wealth = cash + bank + investments + business stock + receivables + other assets + gold + silver − debts due now.
The nisab is the chosen weight multiplied by the price of that metal. The classical weights are 20 mithqal of gold (87.48 g) and 200 dirhams of silver (612.36 g); many modern bodies round them to 85 g and 595 g. If net wealth is at or above the nisab, zakat due = net wealth × 2.5%; otherwise it is zero.
Points on which scholars differ
Scholars and schools differ respectfully on several points, and this calculator does not decide them for you. They include whether to use the gold or silver nisab; whether jewellery worn normally is zakatable (generally yes in the Hanafi school, generally exempt in many others); how to treat pensions, retirement accounts and long-term loans such as mortgages; and how much of a company share is zakatable.
Use the figures that match the guidance you follow, and ask a qualified scholar when you are unsure. Business owners should value stock at its current sale value and include cash in the business. This calculator is an aid for your own records and is not a religious ruling.
Useful tips and limitations
- Calculate on the same Hijri date each year, when your wealth has been above the nisab for a full lunar year.
- If you are unsure whether an asset is zakatable, such as a pension or personal jewellery, ask a scholar you trust and adjust the figures.
- Record the prices and date you used, so next year's calculation is consistent.
- Add each piece of gold separately when the karats differ; the calculator totals the pure metal.
Common questions
What is the nisab for zakat?
It is the minimum wealth on which zakat is due: the value of 87.48 g of gold (20 mithqal) or 612.36 g of silver (200 dirhams). Many organisations round these to 85 g and 595 g.
Should I use the gold or silver nisab?
Scholars differ. Many recommend the silver nisab because it is lower, so more people pay and the poor benefit; others use gold. The calculator lets you choose.
Is zakat due on jewellery I wear?
Opinions differ: the Hanafi school generally counts gold and silver jewellery, while many other scholars exempt jewellery worn in normal use. Include or leave it out according to the view you follow.
Is zakat 2.5% of income?
No. Zakat on wealth is 2.5% of the zakatable wealth you hold for a lunar year, not of your yearly income. Agricultural produce and some other categories have different rules.
Where do I get gold and silver prices for the Zakat Calculator?
Use the price per gram quoted by a reputable local jeweller, bullion dealer or financial website on your zakat date. Enter the price for pure (24K or .999) metal.
Does the Zakat Calculator store my financial details?
No. Everything stays in your browser and disappears when you close the page.
Everything you enter is calculated in your browser. Nothing is uploaded and no account is needed. Copy or download your results before leaving the page.