Zakat Calculator
Add what you own, take off what is due now, and see if you are above the nisab and how much zakat to pay.
Scholars differ. Silver gives a lower line, so more people pay. Gold gives a higher line.
These are example prices. Enter today’s price from your jeweller or a bullion site.
What you own
Jewellery kept as savings goes in “Gold you own” above.
Today’s value. Shares you trade count in full.
Only money you expect to get back.
The company’s cash, stock and money owed as a share of its value. Some use 25–30% if unknown; others count 100%.
After tax and penalties. Locked pensions are usually left out.
Your home and rented-out property don’t count.
Only the rent you still have, not the property.
What you owe now
Money you must pay back now, such as a loan from a friend or a card balance.
On a home or car loan, many take off only what is due now (or the next 12 months), not the whole loan.
Farm produce (optional, due at harvest)
How your zakat is worked out
Add up what you own, take off debts due now, check the nisab, then pay 2.5%.
- 1
Add what you own
cash $9,000
+ metals $3,575
+ other $2,000
= $14,575 - 2
Take off debts due
$14,575
− $1,500
= $13,075 - 3
Check the nisab
595 g silver
× $1.60 = $952
$13,075 ≥ $952 ✓ - 4
Pay 2.5%
$13,075
× 2.5%
= $326.88
Read more: the formula, a worked example, nisab and scholarly views
Zakat is a yearly payment of 2.5% on wealth you have held for a full lunar year, once that wealth is at or above the nisab. This calculator follows the method used by most zakat charities. Scholars differ on some points, such as gold or silver nisab, worn jewellery, long-term shares and pensions, so the calculator lets you choose and says where views differ. If you are unsure, ask a scholar you trust.
The formula
zakatable wealth = cash + gold + silver + shares + money owed to you + business assets − debts and bills due now
nisab = 595 g × silver price (or 85 g × gold price)
if zakatable wealth ≥ nisab: zakat = zakatable wealth × 2.5%
gold value = weight in g × karat ÷ 24 × price of 24k gold per g
Worked example
You have $1,000 at home, $8,000 in the bank, 30 g of 22k gold, $2,000 in shares, and owe $1,500 due now. Gold is $130 a gram and silver $1.60 a gram.
- Pure gold: 30 g × 22 ÷ 24 = 27.5 g. Its value is 27.5 × $130 = $3,575.
- What you own: $1,000 + $8,000 + $3,575 + $2,000 = $14,575.
- Take off debts: $14,575 − $1,500 = $13,075.
- Silver nisab: 595 g × $1.60 = $952. $13,075 is above it. (The gold nisab, 85 g × $130 = $11,050, is also passed.)
- Zakat: $13,075 × 2.5% = $326.88, or $27.24 a month if you spread it over the year.
The nisab: gold or silver?
The nisab weights most commonly used today are 85 g of gold and 595 g of silver (20 mithqal of gold and 200 dirhams of silver). Because silver is much cheaper, the silver nisab is far lower. Many charities and the Hanafi school suggest silver, as more people then pay and more reaches those in need. Others use gold, especially when all your wealth is cash. Both are shown in the result so you can see the difference.
| Nisab | Grams | Tola | Troy oz |
|---|---|---|---|
| Gold | 85 | 7.29 | 2.73 |
| Silver | 595 | 51.01 | 19.13 |
1 tola = 11.6638 g, 1 troy ounce = 31.1035 g. Gold prices are quoted for 24k (pure) gold, so 22k gold is worth 22 ÷ 24 of it, 21k is 21 ÷ 24 and 18k is 18 ÷ 24. Silver prices are for fine (999) silver; sterling silver is 92.5% silver.
What counts and what doesn’t
- Counts: cash, bank savings, gold and silver, shares and funds, crypto held to sell, business cash and stock (at sale price), money owed to you that you expect back, property bought to resell, and rent you still hold.
- Doesn’t count: your home, car, furniture and clothes, tools of your trade, property you rent out (only the rent you keep counts) and pension money you can’t touch yet.
- Debts: take off what you must pay now. For long loans such as a mortgage, many scholars allow only the payments due now or in the next 12 months.
The hawl (one lunar year)
Zakat is due when your wealth has stayed at or above the nisab for a full lunar year (about 354 days). Many people pick a fixed date, such as a day in Ramadan, and work out their zakat on that day each year. If you use the calendar year instead, many scholars suggest 2.577% to make up for the 11 extra days.
Farm produce
Crops are counted at harvest, not after a year. Zakat is due once the harvest reaches 5 wasq, usually given as about 653 kg (some estimates are nearer 612 kg). It is 10% for crops watered by rain or rivers, 5% for crops watered by irrigation you pay for, and 7.5% for a mix.
The nisab weights are the commonly used standard; metal prices change every day, so enter today’s price. This tool is a guide, not a religious ruling. Checked 13 October 2026.
Common questions
How is zakat calculated?
Add up the zakatable things you own (cash, savings, gold, silver, shares, business stock and money you expect to get back), take off debts and bills due now, and compare what is left with the nisab. If it is at or above the nisab and you have held it for a lunar year, zakat is 2.5% of it.
What is the nisab?
The nisab is the least wealth on which zakat is due. It is commonly set at the value of 85 g of gold or 595 g of silver. Silver gives a much lower line, so more people pay and more reaches the poor; gold gives a higher line. Scholars differ on which to use, so the calculator lets you choose and shows both.
Do I pay zakat on gold jewellery I wear?
Views differ. The Hanafi school counts gold and silver jewellery, worn or not. Many Shafi‘i, Maliki and Hanbali scholars do not count jewellery worn regularly in normal amounts, but do count jewellery kept as savings. In Advanced, enter worn jewellery on its own line and choose whether to count it.
How do I count shares and pensions?
Shares you trade count at their full value today. For shares held long term, many scholars count only the part of the company’s assets that is zakatable (cash, stock, money owed); if you can’t find that, some use about 25–30% of the value as a rough guide, while others count the full value. Pension money you can’t touch yet is usually not counted; money you could take out now is.
What is a tola?
A tola is a South Asian weight for gold and silver: 11.6638 grams. 85 g of gold is about 7.29 tola and 595 g of silver about 51.0 tola. A troy ounce, used for bullion prices, is 31.1035 grams.
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