How this calculator works
The calculator adds your zakatable assets, subtracts debts that are due now, and compares the net amount with the nisab you enter. If the net wealth is at or above nisab, zakat is the chosen rate (2.5% by default) of the net wealth. Otherwise the result is zero.
Zakat formula
Net wealth = (cash + gold + silver + investments + business assets + other assets) − debts due
Zakat = net wealth × 2.5% when net wealth ≥ nisab.
Worked example
Cash 4,000, gold 3,000, silver 500, investments 2,000 and business assets 1,500 give 11,000 in assets. Subtracting 1,000 of debts due gives net wealth of 10,000, which is above a nisab of 4,500. Zakat = 10,000 × 2.5% = 250.00.
About nisab
Nisab is the minimum wealth on which zakat becomes due. It is commonly set at the value of 87.48 g of gold or 612.36 g of silver, and the two give very different thresholds. Look up the current price in your currency, calculate the value and type it into the nisab box. Which standard to use is a matter on which scholars differ, so follow the guidance you trust.
How to use this calculator
- Enter your assets in one currency.
- Enter debts that are due now under Debts and liabilities.
- Type the current nisab value in the same currency.
- Select Calculate to see the zakat due.
Frequently asked questions
How much is zakat?
The commonly used rate is 2.5% of net zakatable wealth that has been held for one lunar year and is at or above nisab.
Which assets are included?
Typically cash, savings, gold, silver, investments, business stock and money owed to you that you expect to receive. Personal-use items such as your home and car are generally excluded.
Are debts deducted?
Many scholars allow deducting debts that are due immediately. Opinions differ on long-term loans, so check with a qualified scholar.
Does the calculator decide my obligation?
No. It performs arithmetic on the figures you provide. Religious rulings come from qualified scholars and your own circumstances.
This calculator is an arithmetic aid and not a religious ruling. Scholarly opinions on nisab, debts and zakatable assets differ, so confirm your calculation with a qualified scholar.
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