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Zakat Calculator 2026

Calculate your annual Zakat obligation on cash, gold, silver, stocks, and business assets — with live gold and silver prices and nisab thresholds for all four madhabs.

Live gold & silver prices All four madhabs supported 2.5% Zakat rate applied automatically No data leaves your browser
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Most Hanafi scholars recommend the silver nisab to ensure the widest possible Zakat obligation.
Live Nisab Threshold
Current nisab value in your currency (fetched live)
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Cash & Savings
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Gold & Silver
Hanafi: all gold jewellery is zakatable. Other madhabs: regularly worn jewellery is exempt.
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Include all gold coins, bars, and jewellery (if zakatable per your madhab)
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Investments & Stocks
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For shares in halal companies, use the zakatable assets value per share × number of shares. For simplicity, many scholars allow using current market value.
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Business Assets
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Goods held for sale. Fixed assets (machinery, buildings) used in the business are not zakatable.
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Deductions (Debts & Liabilities)
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Include credit card balances, loans payable this year, and outstanding bills. Long-term mortgage capital is generally not deductible (consult your scholar).
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Your Zakat Summary

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Zakat Rate 2.5%
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Hanafi note: Silver nisab standard recommended. All gold jewellery is zakatable regardless of use.

Understanding Zakat: The Third Pillar of Islam

Zakat (زَكَاة) — meaning "purification" and "growth" — is the third of the five pillars of Islam and one of the most important acts of worship a Muslim can perform. Unlike voluntary charity (Sadaqah), Zakat is an obligatory annual payment calculated as 2.5% of all qualifying wealth that has been in a Muslim's possession for one full Islamic lunar year (known as the Hawl) and exceeds the minimum threshold (the nisab).

The Quranic Command: "And establish prayer and give Zakat, and whatever good you put forward for yourselves — you will find it with Allah." (Surah Al-Baqarah 2:110)

What Wealth is Zakatable?

Not all wealth attracts Zakat. The following categories are zakatable when they exceed the nisab and have been held for one lunar year:

  • Cash and bank balances — all current, savings, and fixed deposit accounts
  • Gold and silver — coins, bars, investment jewellery (and personal jewellery under the Hanafi madhab)
  • Business stock-in-trade — goods held for sale at their market value
  • Investments — shares, unit trusts, ETFs, and cryptocurrency at current market value
  • Money owed to you — receivables you expect to collect

The following are not zakatable:

  • Your primary home and personal vehicle
  • Household furniture, clothing, and personal items
  • Business equipment, machinery, and factory assets (used in production, not for sale)
  • Investment property — only the rental income, not the property value itself (under most scholars)

How the Nisab Threshold Works

The nisab is the minimum level of wealth above which Zakat becomes obligatory. It is pegged to either the value of 87.48 grams of gold or 612.36 grams of silver. Because silver has a much lower market value per gram than gold, the silver nisab threshold expressed in currency is significantly lower than the gold nisab — meaning more Muslims qualify as zakatable using the silver standard.

StandardWeightMadhab PreferenceEffect
Silver nisab612.36g silverRecommended by most Hanafi scholarsLower threshold — more inclusive
Gold nisab87.48g goldMaliki, Shafi'i, Hanbali preferenceHigher threshold — fewer qualify

Gold Jewellery: The Key Madhab Difference

This is the most practically significant madhab difference in Zakat calculation:

  • Hanafi: All gold jewellery owned by a woman is zakatable — whether it is worn daily or stored. There is no exemption for personal use jewellery.
  • Maliki, Shafi'i, Hanbali: Gold jewellery that is worn regularly for permissible personal adornment is exempt from Zakat. Only jewellery kept as savings or investment attracts Zakat.

Our calculator accounts for this automatically — select your madhab and the jewellery toggle adjusts accordingly.

Frequently Asked Questions About Zakat

The nisab is calculated as either 87.48 grams of gold or 612.36 grams of silver — converted to your local currency at current market prices. Because silver is much cheaper per gram, the silver nisab gives a lower threshold. Our calculator fetches live gold and silver prices to show you the exact nisab in your currency in real time.
The Zakat rate is 2.5% of all eligible net zakatable assets. This rate applies universally — it is identical across all four Sunni madhabs and is derived from the authenticated Sunnah of the Prophet (peace be upon him). The rate applies to the entire net zakatable wealth — not just the amount above the nisab.
Under the Hanafi madhab: yes — all gold jewellery is zakatable regardless of whether it is worn. Under the Maliki, Shafi'i, and Hanbali madhabs: gold jewellery worn regularly as personal adornment is exempt; only gold kept as investment or savings attracts Zakat. Select your madhab and the jewellery toggle will adjust automatically.
Contemporary scholars differ. Many hold Zakat is due annually on the accessible portion of defined contribution pensions. Others hold it is only due when funds are received at retirement. As pension rules vary by country and fund type, consult a qualified scholar familiar with your specific pension arrangement.
The gold nisab is 87.48g of gold in currency. The silver nisab is 612.36g of silver in currency. Because gold is roughly 80× more valuable per gram than silver, the gold nisab threshold in monetary terms is far higher. Using the silver standard means more Muslims fall above the nisab and are obligated to pay Zakat. Most Hanafi scholars recommend the silver standard for this reason.