Zakat Calculator
Calculate your zakat obligation and the amount due on the 2.5% rate, checking your net wealth against the gold or silver nisab.
What Is Zakat?
So what is zakat? Zakat is one of the five pillars of Islam — an annual obligatory charity of 2.5% of net wealth for Muslims whose wealth exceeds the nisab threshold and has been held for a full lunar year. This zakat calculator totals your zakatable assets, deducts your debts, checks them against the gold or silver nisab using live metal prices, and shows the amount due in your chosen currency. People often ask how much is zakat — the answer is always one-fortieth (2.5%) of whatever net wealth sits above the nisab.
How to Calculate Zakat
Here is how to calculate zakat in practice. Among the zakat rates, the standard for cash, gold, silver and trade goods is a flat 2.5%, and the calculation follows three simple steps:
- Total your zakatable assets: cash and bank deposits, the value of gold and silver, trade goods/inventory, receivables, and stocks/funds.
- Deduct short-term debts to get your net wealth.
- Compare to the nisab: if net wealth meets or exceeds the nisab, zakat is 2.5% of net wealth. Below the nisab, no zakat is due.
The tool fetches live gold and silver prices and applies the 2.5% rate automatically. You can enter each asset in a different currency and view the result in over 20 currencies, so the figure is accurate wherever you live.
The Nisab Threshold
The nisab is the minimum amount of wealth that makes zakat obligatory. There are two standards:
| Nisab | Amount | Note |
|---|---|---|
| Gold | 80.18 g (20 mithqal) | Agreed by all schools |
| Silver | 200 dirhams (~561-595 g) | Lower value, covers more people |
The silver nisab has a lower monetary value, so using it makes more people liable for zakat — which many scholars favor as more beneficial to the poor. The gold nisab is also widely used; choose the one your school or local scholar recommends.
Gold Zakat Calculator: Zakat on Gold
Used as a gold zakat calculator, this tool makes zakat on gold straightforward. Many people ask how to calculate zakat on gold and how many grams of gold for zakat trigger the obligation. The threshold is the gold nisab of 80.18 grams: if the total value of your gold (and other wealth) reaches the value of 80.18 g of gold and a lunar year passes, zakat becomes due. To value your gold, multiply its weight in grams by the current price per gram, then add it to your other assets.
- Step 1: Weigh your gold in grams (jewelry, coins, bullion).
- Step 2: Multiply by the current price per gram to get its money value.
- Step 3: Add this to your cash and other zakatable assets, deduct debts, and compare with the nisab.
- Step 4: If you are above the nisab, the zakat due is 2.5% of the net total.
The tool loads the live gold price automatically, so this zakat on gold calculator reflects today's value with no manual lookup needed.
Which Assets Are Zakatable?
- Cash and bank deposits: Savings, checking and cash on hand.
- Gold and silver: Jewelry, coins and bullion (by weight in grams).
- Trade goods / inventory: Stock held for sale, at market value.
- Receivables: Money owed to you that you expect to collect.
- Stocks and funds: The zakatable portion of investments.
Personal-use items such as your home, car and everyday belongings are generally exempt. Short-term debts are deducted from the total before applying the 2.5% rate.
When Is Zakat Due?
The obligation arises once you have held wealth above the nisab for a full lunar year (354 days). Many Muslims pay during Ramadan for the extra reward, but it can be paid at any time of year. Note that Zakat al-Fitr is a separate, smaller charity given before the Eid al-Fitr prayer.
Who Receives Zakat?
Who receives zakat is set out in the Quran (9:60), which names eight categories of eligible recipients:
- The poor (fuqara): Those with little or no income.
- The needy (masakin): Those who cannot meet their basic needs.
- Zakat collectors: Those employed to gather and distribute it.
- Those whose hearts are to be reconciled: New or prospective Muslims.
- Those in bondage: To free people from captivity or debt-slavery.
- The debt-ridden (gharimin): Those overwhelmed by lawful debt.
- In the cause of Allah (fi sabilillah): Striving and beneficial public good.
- The stranded traveler (ibn as-sabil): A traveler cut off from their funds.
Who Does Not Receive Zakat?
Just as important is knowing who does not receive zakat. It may not be given to the following:
- The wealthy who themselves hold nisab-level wealth.
- Immediate family you support — parents, grandparents, children and grandchildren.
- Non-Muslims, according to the majority of scholars (though general charity, sadaqah, may be given).
- The Prophet's descendants (Ahl al-Bayt), per many scholars.
- Institutional running costs — zakat is for individuals, not the general expenses of organisations.
How to Use This Zakat Calculator
Choose the gold or silver nisab, enter your assets (each in any currency) and your short-term debts, and pick the currency for your result. Live gold and silver prices are loaded automatically; if unavailable, you can enter them manually. It also works as a zakat on salary calculator — total the savings accumulated from your salary over the year along with your other wealth. Press calculate to see your net wealth, the nisab threshold, whether you are above it, and the 2.5% zakat due. This tool is an estimate and not a religious ruling — confirm with a trusted scholar.
Frequently Asked Questions About the Zakat Calculator
Zakat is one of the five pillars of Islam. It is obligatory for Muslims who own wealth above the nisab threshold and have held it for a full lunar year. It is calculated as 2.5% of net wealth and given to those in need.
To calculate zakat: 1) Total all zakatable assets (cash, gold, trade goods, receivables). 2) Deduct short-term debts. 3) If your net wealth exceeds the gold nisab (80.18 g), calculate 2.5% of net wealth. For gold, multiply grams by the current price per gram.
Zakat may be given to eight categories (Quran 9:60): the poor, the needy, those employed to collect it, those whose hearts are to be reconciled, those in bondage, the debt-ridden, those in the cause of Allah, and the stranded traveler. It is not given to the wealthy or to certain close relatives one is responsible for.
Zakat is not given to the wealthy (those who themselves hold nisab-level wealth), to the immediate family one is responsible for supporting (parents, children), or to non-Muslims (per the majority view), nor used for the general expenses of religious institutions.
Zakat becomes obligatory once you have owned wealth above the nisab for a full lunar year (354 days). Many Muslims pay during Ramadan, but it can be paid at any time. The separate Zakat al-Fitr is given before the Eid al-Fitr prayer.
The gold nisab is 80.18 grams (20 mithqal); the silver nisab is 200 dirhams (about 561-595 g). If the value of your net wealth reaches the nisab and a year passes over it, zakat becomes obligatory. The zakat rate is 2.5% of net wealth.
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