Zakat Calculator 2026

Zakat — the obligatory annual giving of 2.5% of qualifying wealth — is a pillar of Islam with precise rules about what counts, what is deducted, and the threshold that triggers the obligation. This calculator assembles your zakatable assets, subtracts your short-term debts, compares the result with the Nisab, and computes the Zakat due using live gold and silver prices.

How It Works

$\text{Net zakatable wealth} = \text{Total zakatable assets} - \text{Debts due}$

$\text{Zakat due} = \text{Net wealth} \times 2.5\% \quad \text{(only if net wealth} \geq \text{Nisab)}$

Assets in the calculation: cash and bank balances; gold and silver (by current value); stocks and investments; business assets and trade inventory; receivables — money owed to you that you expect to recover; and accumulated rental income. Deducted: debts and bills due within the year. Deliberately not counted: your home, your car, furniture, and personal effects — Zakat falls on wealth held for growth or trade, not on the assets of daily life.

The Nisab is the minimum wealth that makes Zakat obligatory, defined by the Prophet ﷺ as the value of 85 grams of gold or 595 grams of silver. This calculator fetches live spot prices, so the threshold in your currency reflects today's metal values, and lets you choose which standard to apply — gold (the more common contemporary practice) or silver (which sets a lower threshold, bringing the obligation to more people, and is preferred by some scholars for that reason).

Worked Examples

Using illustrative prices of $85 per gram of gold and$1.00 per gram of silver, the Nisab is $7,225** on the gold standard and **$595 on the silver standard.

Above the threshold. Cash $8,000 + gold and silver$3,500 + stocks $6,000 + receivables$1,500 + rental income $2,000 =$21,000 in assets; debts due $1,500 → net wealth **$19,500**. Above the gold Nisab, so Zakat = 19,500 × 2.5% = $487.50.

Where the standard matters. The same method with net wealth of **$4,000**: under the gold standard, the Nisab is not met — no Zakat due, and the calculator reports a shortfall of$3,225. Under the silver standard, $4,000 clears the$595 threshold and Zakat of $100 is due. Neither answer is a bug; they are two legitimate scholarly standards, and the choice between them is a matter of your school of thought and your scholar's guidance — the calculator implements both so the difference is visible rather than hidden.

Conditions and Judgments the Calculator Cannot Make

Hawl: Zakat is due when wealth has remained at or above the Nisab for a complete lunar year. The calculator evaluates the snapshot you enter today; tracking your Hawl — many people fix a date, often in Ramadan — is yours. Gold and silver are valued at current market price, not purchase price. Jewellery: scholars differ on gold jewellery worn for personal use (the Hanafi school generally includes it; others exempt jewellery in regular use) — decide your position first, then enter values accordingly. Stocks: the zakatable portion is properly the share of underlying liquid assets, not always the full market value; the calculator applies Zakat to what you enter, so enter the zakatable portion if you follow that method. Receivables count when repayment is reasonably expected; doubtful debts are treated differently across opinions. None of these are defects in the arithmetic — Zakat has always combined exact rates with judgment about categories, and this tool handles the arithmetic once your judgments are made. Paying early is permitted, and giving through the eligible categories named in the Qur'an (9:60) — the poor, the needy, those in debt, the stranded traveller, and others — completes the obligation.

Frequently Asked Questions

How much gold or silver do I enter — weight or value?

Value. The asset fields take currency amounts: weigh your gold and silver, multiply by the current price per gram (the same live prices the Nisab uses), and enter the total. The Nisab comparison itself is done in currency on both sides.

Why does the Nisab change every time I visit?

Because it is anchored to live metal prices: 85 grams of gold is a fixed weight, but its currency value moves with the market. A threshold computed last Ramadan is not this Ramadan's threshold — which is precisely why the calculator fetches prices rather than hard-coding a figure.

I am below the Nisab. Should I still give?

Zakat specifically is not obligatory below the Nisab — that is what the threshold means. Voluntary charity (sadaqah) is always open and always rewarded; the calculator's shortfall figure simply tells you how far your net wealth sits from the obligation line.