A Zakat calculator is a free online Islamic finance tool that helps Muslims calculate their annual Zakat obligation accurately — based on the total value of their savings, gold, silver, business assets, and other zakatable wealth above the Nisab threshold. The calculator instantly determines whether you have reached the Nisab, computes your total zakatable wealth, and calculates the exact 2.5% Zakat amount due.
The word Zakat (زكاة) comes from the Arabic root meaning purification, growth, and blessing. It is mentioned 32 times in the Quran, almost always alongside Salah (prayer) — emphasising its centrality to Islamic practice. Zakat is one of the Five Pillars of Islam — obligatory (fard) upon every adult Muslim who is sane, free, and possesses wealth above the Nisab threshold for a complete lunar year (354 days).
The standard Zakat rate on savings, gold, silver, business assets, and investments is 2.5% of the total zakatable value.
The Quran (Surah At-Tawbah, 9:60) specifies eight categories of Zakat recipients:
| Nisab Standard | Weight | Approx. Value (USD) |
|---|---|---|
| Gold Nisab | 85g of 24-carat gold | ~$7,500–$8,500 (varies daily) |
| Silver Nisab | 595g of pure silver | ~$500–$700 (varies daily) |
The majority contemporary position followed by most major Zakat organisations globally — including the National Zakat Foundation and Islamic Relief — is to use the silver Nisab for cash and financial assets, as this aligns with maximising Zakat distribution to those in need.
⚠️ Nisab values change daily with precious metal prices. Always check current gold and silver spot prices to calculate the exact Nisab in your local currency at the time of your Zakat calculation.
| Asset | Value |
|---|---|
| Cash savings | $15,000 |
| Current account | $3,500 |
| Gold jewellery (Hanafi: 120g at 22 carat = 110g pure gold at $60/g) | $6,600 |
| Investment portfolio | $12,000 |
| Business inventory | $8,500 |
| Total Zakatable Assets | $45,600 |
| Less: credit card balance due | −$1,200 |
| Net Zakatable Wealth | $44,400 |
| Nisab check (silver, ~$600) | $44,400 > $600 ✅ Zakat obligatory |
| Zakat Due (2.5%) | $1,110 |
| Gold Purity | Carat | Pure Gold Content |
|---|---|---|
| 24 carat | 99.9% pure | Weight × 1.000 |
| 22 carat | 91.7% pure | Weight × 0.917 |
| 21 carat | 87.5% pure | Weight × 0.875 |
| 18 carat | 75.0% pure | Weight × 0.750 |
| 14 carat | 58.3% pure | Weight × 0.583 |
| 9 carat | 37.5% pure | Weight × 0.375 |
| Feature | Zakat | Sadaqah |
|---|---|---|
| Obligation | Mandatory (Fard) | Voluntary |
| Rate | Fixed at 2.5% | Any amount |
| Threshold | Only above Nisab | No minimum |
| Recipients | Eight specified categories | Anyone in need |
| Timing | Annual (after Hawl) | Any time |
| Spiritual status | Pillar of Islam | Act of worship |
Yes. This online Zakat calculator is 100% free with no registration, subscription, or payment required. Calculate your Zakat as many times as you need.
The standard Zakat rate on savings, gold, silver, business assets, and most forms of zakatable wealth is 2.5% of the total net zakatable value above the Nisab threshold. Agricultural Zakat (Ushr) operates at different rates (5–10%) and is paid at harvest, not annually.
No. Your primary residence — the home you live in — is not zakatable. Zakat does not apply to personal use assets. However, rental property income accumulated above the Nisab for a full lunar year is zakatable.
No. Personal vehicles used for your own transport are not zakatable assets. However, vehicles held as business stock — a car dealer's inventory — are zakatable as business trade goods.
The most common contemporary position is that Zakat is due on pension funds in the year they become accessible and are actually received — not while they are locked in a pension scheme you cannot access. Consult a knowledgeable scholar for guidance specific to your pension structure.
Yes. If you know your approximate Zakat liability, you may pay it in monthly instalments throughout the year as long as the full amount is paid by your Zakat anniversary date. Many Muslims find monthly Zakat payments easier to manage than a single annual lump sum.
Zakat Al-Mal (wealth Zakat) is the annual 2.5% on accumulated wealth above the Nisab — what this calculator computes. Zakat Al-Fitr is a smaller, separate obligation paid per person at the end of Ramadan before Eid Al-Fitr prayer — a fixed amount equivalent to approximately 2.5kg of staple food or its monetary value. Both are obligatory but calculated and paid separately.
No. A privacy-respecting Zakat calculator processes all your financial inputs locally in your browser and does not transmit, store, or log any of your personal or financial information. Your data remains completely private on your device.
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