Zakat calculator
Work out your Zakat — then pay it directly
- Active nisab $1482 Silver standard · 612.36g
- Zakat rate 2.5% Of net wealth above nisab
What is Zakat?
Zakat is the third pillar of Islam — an obligatory 2.5% charge on the wealth a Muslim has held above the nisab threshold for one Islamic year.
Who must pay?
Every adult, sane Muslim whose net wealth crosses the Nisab and remains there until the Islamic year is complete is obligated to pay zakat.
When to pay
Zakat becomes due once one full Islamic year (Hawl) has passed since your wealth first crossed the nisab. Many donors pay in Ramadan to multiply the reward.
"Take from their wealth a charity by which you purify them and cause them increase, and invoke [Allah's blessings] upon them. Indeed, your invocations are reassurance for them. And Allah is Hearing and Knowing."
Today's rates per gram
Live stooq.com (XAU/USD + XAG/USD spot) · updated less than an hour ago
- 24k pure $144.07
- 22k traditional $132.06
- 18k fashion $108.05
- Silver .999 $2.42
Nisab uses 24k pure gold spot. Display-only helpers for valuing your own jewellery.
Your privacy comes first
Before you start, here's what stays private:
- Every figure you enter is calculated in your browser. We never see your assets, debts, or net wealth.
- Only the chairman and our finance team see your final donation amount, never shared, never sold.
- Bookmark this page or copy the resume link, you can come back, refine, and pay when you're ready.
Calculate, verify nisab, and pay, in four steps.
Tell us what you own and what you owe. Using today's gold and silver prices we'll work out, to the penny, whether your wealth crosses the nisab and exactly how much Zakat is due. No spreadsheet, no guesswork.
What kinds of wealth do you own?
Tick everything that applies. We'll only ask you for the figures you actually need to enter.
Tick at least one category to continue.
What's it all worth, roughly?
Use today's market value where possible. Estimates are fine, you can always come back and refine. Currency is auto-handled by your selected display currency.
Money in any account or wallet, in any currency.
Live spot prices, refreshed daily from stooq.com (XAU/USD + XAG/USD spot). Split your jewellery by karat for an accurate value.
Use today's market value, not what you paid.
Only goods held for resale and money customers owe you.
Your primary home isn't zakatable. Rental income saved up, and properties bought to resell, are.
No categories ticked. Use Back to choose at least one.
What do you owe right now?
Subtract immediate debts only, this month's bills, the credit card you'll clear, the next 12 months of any loan or mortgage. Long-term mortgage balance doesn't count.
Leave blank if you've nothing immediate to subtract.
Working out your Zakat…
See how this was calculated
How your wealth compares to the nisab
There are two nisab thresholds in classical Islamic law, gold and silver. The Prophet ﷺ used both. We use the lower (silver) standard by default so more wealth qualifies for Zakat and more goes to the poor.
87.48 g × $144.07/g
Nisab threshold $12603.24
Enter your assets to compare.
Zakat would be $0.00
612.36 g × $2.42/g
Nisab threshold $1481.91
Enter your assets to compare.
Zakat would be $0.00
Both thresholds come from the Sunnah, 87.48 g of gold (≈ 20 dinars) or 612.36 g of silver (≈ 200 dirhams). No other commodities are used in the classical calculation.
- Cash & savings
- $0.00
- Gold & silver
- $0.00
- Investments
- $0.00
- Business
- $0.00
- Property
- $0.00
- Total assets
- $0.00
- Less liabilities
- −$0.00
- Net wealth
- $0.00
- Nisab threshold
- $1482
- Zakat due (2.5%)
- $0.00
Zakat must be paid in full each year, splitting it across charities or paying it in instalments is fine. The rest stays your responsibility.
Common questions
Common Zakat questions
Do I pay Zakat on my main home or my car?
No. Zakat is only on wealth held above the nisab for one Islamic year. Your primary residence, personal car, clothing and household items are exempt. Properties bought to resell, business inventory and rental income held in cash are zakatable.
What about my pension or 401(k) / ISAs?
Most contemporary scholars require Zakat on the portion of pensions and ISAs you have access to or are vested in. Use today's market value of accessible holdings, not what you contributed. If unsure, ask a local imam, many Muslims pay 2.5% on their portion to be safe.
I have debts, do I subtract them?
Yes, but only debts that are immediately due. Subtract this month's bills, credit-card balances, and the next 12 months of loan or mortgage payments. Don't subtract the full mortgage balance, only what's due within the year.
When exactly does Zakat become due?
Zakat is due once a full Hijri (Islamic) year has passed since your wealth first crossed the nisab. Many donors fix the date once and pay every Ramadan to multiply the reward (and to make it easy to remember).
Can I pay my Zakat to the madrasa?
Yes. Funding Hifz students, food, and books for poor and orphan students are valid Zakat-eligible categories under fi-sabilillah and the poor. We keep Zakat funds separate from general donations and use 100% on direct student support.
What if my net wealth is below the nisab?
No Zakat is due. You may still give voluntary sadaqah, which is always rewarded. The calculator will tell you if you fall below the nisab so you don't pay unnecessarily.
Why does the calculator default to the silver standard?
The silver-nisab is much lower, so more people qualify to give. The Prophet (peace be upon him) used both standards in his time. Most contemporary scholars recommend the lower (silver) threshold as it benefits the poor more, but you can switch to gold in admin if your community follows that.