زكاة المال

Zakat al-Mal

Zakat Calculator

Work out the Zakat you owe on your savings and assets in three minutes — then give it with confidence.

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2.5%of your net zakatable wealth

Nisabthe minimum threshold: 85 g of gold or 595 g of silver

1 lunar yearyour wealth must be held for a full lunar year (hawl)

Calculator

Calculate your Zakat

Fill in what applies to you and leave the rest empty. Your result updates as you type.

Nisab & prices

Choose your currency and how the nisab is measured.

Currency

Nisab based on

Silver — 595 gThe lower threshold and the more cautious basis, widely recommended today so that more people give. Gold — 85 gThe higher threshold, followed by some scholars. Follow the opinion of your scholar.

Gold price per gram

Silver price per gram

Indicative market prices.

Your zakatable assets

Include what you own and have held through the lunar year. Leave out your home, car and personal belongings.

Cash & bank balances

Cash at hand, current and savings accounts, deposits.

Investments

Shares, funds and crypto held as investments, at current market value.

Gold you own

Jewellery, coins, bars, in grams. Some schools exempt jewellery worn personally: ask your scholar.

Silver you own

Jewellery, coins, bars, in grams.

Business assets

Stock for sale, business cash and receivables you expect to collect.

Money owed to you

Loans you made that you expect to be repaid.

Other zakatable assets

E.g. property held for resale, pension savings you can access.

Your debts

Subtract what you have to pay in the coming year.

Debts due now or within 12 months

Loan instalments, credit cards, bills, rent, wages owed.

Lunar year (hawl)

My wealth has been at or above the nisab for a full lunar yearZakat becomes due once your wealth has stayed at or above the nisab for one full lunar year (about 354 days).

Pay your Zakat

Give your Zakat al-Mal

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Pay your Zakat al-Mal

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Who can receive Zakat

The eight categories

The Qur’an names exactly who may receive Zakat (9:60). Scholars explain the details of each category.

إِنَّمَا الصَّدَقَاتُ لِلْفُقَرَاءِ وَالْمَسَاكِينِ وَالْعَامِلِينَ عَلَيْهَا وَالْمُؤَلَّفَةِ قُلُوبُهُمْ وَفِي الرِّقَابِ وَالْغَارِمِينَ وَفِي سَبِيلِ اللَّهِ وَابْنِ السَّبِيلِ ۖ فَرِيضَةً مِّنَ اللَّهِ ۗ وَاللَّهُ عَلِيمٌ حَكِيمٌ

Qur’an · At-Tawbah 9:60

الفقراء

The poor

People whose means fall below their basic needs.

المساكين

The needy

People who cannot fully cover their needs despite some means.

العاملون عليها

Zakat administrators

Those appointed to collect and distribute Zakat.

المؤلفة قلوبهم

Hearts to be reconciled

Those whose hearts are to be drawn closer to Islam or supported in it.

في الرقاب

Freeing captives

Freeing people from bondage or captivity.

الغارمون

Those in debt

People burdened by debt they cannot repay, not incurred in sin.

في سبيل الله

In the cause of Allah

Scholars differ on the exact scope of this category.

ابن السبيل

The stranded traveller

A traveller cut off from their means.

Zakat usually cannot be given to people you are obliged to support, such as your spouse, children or parents.

Questions

Zakat, explained simply

What is Zakat al-Mal?

Zakat is the obligatory annual charity, one of the five pillars of Islam. Zakat al-Mal is due on eligible wealth: 2.5% of your net wealth once it has reached the nisab and been held for a full lunar year.

What is the nisab, and why gold or silver?

The nisab is the minimum wealth at which Zakat becomes due. It equals the value of 85 g of gold or 595 g of silver. Today silver gives a much lower threshold than gold, so it is the more cautious basis and is widely recommended so that more of the poor benefit; some scholars follow gold. Choose the opinion your scholar follows.

What counts as zakatable wealth?

Savings and cash, gold and silver, investments (shares, funds, crypto held as investments), business stock and receivables, and money owed to you that you expect to receive.

Not zakatable: your main home, the car you use, household items and personal belongings. Opinions differ on jewellery worn personally (some schools count it, others exempt it) and on pension funds — ask your scholar.

Can I deduct my debts?

Most scholars allow you to deduct debts that are due now or within the coming year (instalments, credit cards, bills). For long-term loans such as a mortgage, usually only the instalments due within the year are deducted. Ask your scholar for your situation.

When should I pay my Zakat?

On the date your lunar year is complete. Many Muslims choose Ramadan, which is permitted if it falls close to that date. Paying a little early is allowed; delaying without a valid reason is discouraged.

Can I pay in instalments?

Many scholars allow Zakat to be paid in parts, as long as each payment is intended as Zakat. If you prefer, you can spread your amount over 12 monthly instalments when you give. If in doubt, ask your scholar.

What is the difference between Zakat and Sadaqah?

Zakat is obligatory, has a fixed rate and goes only to the eight categories above. Sadaqah is voluntary, in any amount, to any good cause. If your wealth is below the nisab, no Zakat is due, but Sadaqah is always rewarded.

What about Zakat al-Fitr?

Zakat al-Fitr is a separate obligation: a fixed amount per person, given at the end of Ramadan before the Eid prayer. It is not part of this calculator, which covers Zakat al-Mal.

This calculator follows widely accepted guidelines and is an aid, not a fatwa. Schools of thought differ on some details. For complex situations (business, pensions, property, crypto), consult a qualified scholar.