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Zakat is calculated as 2.5% of qualifying wealth held for a full lunar year, once that wealth meets or exceeds the nisab threshold — a minimum amount based on the value of gold or silver.
This calculator adds up your cash, gold/silver, and investments, subtracts any debts, checks the result against your nisab threshold, and calculates the Zakat due.
How it works
Enter your cash and savings, gold/silver value, investments, any debts owed, and your nisab threshold (in your local currency). The tool finds your net zakatable wealth, checks it against the nisab, and if it meets or exceeds that threshold, applies the 2.5% Zakat rate.
- Enter cash & savings (optional).
- Enter gold/silver value (optional).
- Enter investments value (optional).
- Enter debts owed (optional).
- Enter nisab threshold ($).
- Click Calculate to see your results.
Examples
Above the nisab threshold
Net wealth of $16,000 with a $5,000 nisab threshold owes $400 in Zakat (2.5% of $16,000).
Who should use it
- Estimating annual Zakat obligation from a summary of assets and debts.
- Checking whether net wealth currently meets the nisab threshold.
Industry applications
- Personal and religious finance
Advantages
- Accounts for cash, gold/silver, investments, and debts in one calculation.
- Lets you use your own verified, current nisab threshold rather than a potentially outdated hardcoded value.
Limitations
- Doesn't independently verify or provide the nisab threshold — you must supply a current value yourself.
- Not a substitute for guidance from a knowledgeable scholar on your specific situation.
Common mistakes to avoid
- Using an outdated or unverified nisab threshold rather than checking a current source.
- Forgetting to subtract legitimate debts before calculating net zakatable wealth.
Best practices
- Verify your current nisab threshold from a reliable, current source, and consult a knowledgeable scholar for guidance specific to your full financial situation.
Tips
- Zakat is calculated on wealth held for a full lunar (Hijri) year, not a calendar year — track your zakat anniversary date accordingly.