Calculate your Zakat the easy way
This free Zakat calculator works out exactly how much Zakat you owe. Enter your cash, savings, gold, silver, investments and business assets, subtract any debts, and the tool instantly shows your net zakatable wealth, your nisab threshold, and the 2.5% Zakat due. Choose the gold or silver nisab, and pick your currency — rupees, dollars, pounds, riyals, dirhams, ringgit, taka and more.
Zakat is one of the five pillars of Islam: a yearly act of worship that purifies your wealth and supports those in need. It becomes due when your net wealth stays above the nisab for one full lunar year. Everything here runs privately in your browser — no sign-up and nothing uploaded — so you can work out a sensitive figure with total confidence.
How to use the Zakat calculator
- Pick your currency and your nisab standard (gold or silver).
- Enter today's gold and silver price per gram in your currency.
- Add up your assets — cash, investments, the grams of gold and silver you own, business stock and money owed to you.
- Subtract your deductions — debts you owe and bills due now.
- Read your net zakatable wealth, your nisab and the Zakat due at the bottom — the result updates as you type.
What counts as zakatable wealth?
Zakat is paid on wealth that grows or is held as money, not on the things you use day to day. Zakatable assets include cash in hand and in the bank, gold and silver, savings, shares and investments, business stock or merchandise, and money you have lent that you expect to get back. Not zakatable are the home you live in, your personal car, furniture, clothing and tools of your trade — these are for use, not for growth. This calculator focuses on the zakatable side and lets you subtract debts and bills that are due, so you only pay on what is genuinely yours to give.
How is Zakat calculated? The 2.5% rate
Zakat is 2.5% (a fortieth) of your net zakatable wealth, as long as that wealth sits above the nisab. The maths is simple: add every zakatable asset, subtract immediate debts and bills, and if the remaining amount is at or above the nisab, you owe 2.5% of it. On a net wealth of 400,000, for example, the Zakat due is 10,000 in the same currency. The calculator does this for you and clearly shows whether you are above or below the threshold.
What is nisab — and should I use gold or silver?
The nisab is the minimum amount of wealth you must own before Zakat becomes due. It is set as the value of 87.48 grams of gold or 612.36 grams of silver, which is why you enter today's metal prices — the tool multiplies the price by those weights to give your nisab in real money. Because silver is cheaper per gram, the silver nisab is lower, so more people qualify to pay and more reaches those in need; many scholars recommend it for that reason. The gold nisab is higher and is also valid. You can switch between the two with one tap and watch the result change.
What is hawl — the one lunar year?
Zakat is due only after your wealth has stayed at or above the nisab for one full lunar (Hijri) year, known as the hawl. A lunar year is about 354 days — roughly eleven days shorter than the solar year — so your Zakat date arrives a little earlier each year on the Gregorian calendar. Many people choose a memorable date such as a day in Ramadan and calculate every year on that date, which keeps things consistent and easy to remember.
Is this calculator accurate and private?
It uses the standard 2.5% rate and the recognised gold and silver nisab weights, and every figure is worked out locally in your browser — nothing is uploaded, stored or shared. It is built to give a reliable everyday estimate. For more complex situations — long-term debts paid in instalments, pensions, mixed business assets, agricultural produce or livestock — rulings can differ between schools of thought, so please treat the result as guidance and consult a qualified scholar for a final answer.