Free tool

Zakat calculator

Add up what you own, take away what you owe right now, and see whether you've reached the nisab. If you have, and you've held it for a full lunar year, your zakat is 2.5% of what's left.

What you own−What you owe=Zakatable wealth× 2.5%

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1 Currency and nisab

Currency

Nisab based on

Silver (595 g) Gold (85 g)

Gold price per gram Silver price per gram

Loading today's prices…

Scholars differ on whether to use the gold or the silver nisab. The silver nisab is much lower, and many zakat organisations use it. If you're not sure, ask a scholar you trust.

2 Cash Cash in bank accounts, savings, your wallet and at home

Include money held for you by apps and payment services, and any rental income or wages you've saved.

3 Gold and silver

Include all gold and silver: coins, bars and jewellery. Enter the weight, the value, or both (they're added together). For jewellery, count only the gold or silver in it, not stones or workmanship.

Gold, weight in grams Gold, value Silver, weight in grams Silver, value

What about gold carats?

The prices above are for pure (24 carat) gold. For other gold, multiply the weight by its purity first: 22 carat is about 91.7% gold, 21 carat 87.5%, 18 carat 75%, 14 carat 58.5% and 9 carat 37.5%. For example, 20 g of 18 carat gold is 15 g of pure gold.

4 Investments

Shares and funds you plan to sell within a year Counted at full market value Shares and funds you hold long term Enter the full market value; 30% of it is counted Cryptocurrency Current market value, treated like cash Pensions you could withdraw now, even with a penalty Enter the full value; 30% of it is counted. Leave out pensions you can't access yet Property bought to resell Market value. Your home and property you rent out aren't counted

Why are long-term shares and pensions counted at 30%?

When you hold shares as an investment, zakat is due on your share of the company's zakatable assets, such as its cash, money owed to it and stock, rather than on the full share price. That's hard to work out for every company, so some contemporary scholars allow an estimate of 30% of the market value. If you know the actual figure for a company, you can use it instead: enter that amount in the first box.

Pensions you can access are usually invested in shares and funds for the long term, so the same 30% estimate is applied to them.

5 Money owed to you and business stock

Money owed to you that you expect to be repaid Leave out debts you don't expect to get back Business stock and goods for sale At what they'd sell for now. Not equipment or premises

6 What you owe now

Only include what's due now, not the full amount of a long-term loan. If you pay rent monthly, take off one month's rent; for a mortgage or car loan, the payment that's due now.

This calculator follows a common approach and gives an estimate. It isn't a religious ruling. For your own situation, especially business assets, pensions or debts, please ask a scholar you trust.

About zakat and this calculator

How is zakat calculated?

Add up what you own that zakat is due on (cash, gold and silver, investments, money you expect to be repaid, business stock), subtract debts and bills that are due now, and if what's left is at or above the nisab, zakat is 2.5% of it. Zakat is due once you've held at least the nisab for one full lunar (Hijri) year.

What is the nisab, and should I use gold or silver?

The nisab is the minimum amount of wealth on which zakat is due. It's based on 85 grams of gold or 595 grams of silver. Because silver is far cheaper, the silver nisab is much lower, so more people pay zakat with it, and many zakat organisations use it for that reason. Scholars differ on which to use, so ask a scholar you trust. This calculator starts with silver and lets you switch.

Is zakat due on gold jewellery I wear?

Scholars differ. This calculator follows the approach that counts all gold and silver, including jewellery you wear. Other scholars don't count jewellery that's worn regularly. If you follow that view, leave your jewellery out. If you're unsure, ask a scholar you trust.

How are shares counted?

Shares you bought to sell within a year are counted at their full value, like cash. For shares you hold long term, zakat is due on the company's zakatable assets (such as its cash and stock) rather than the full share price. As that's hard to work out for every company, some contemporary scholars allow an estimate of 30% of the market value, which is what this calculator uses. Pensions you can withdraw now are usually invested the same way, so they're counted at 30% too.

Where do the gold and silver prices come from?

When the page opens, it fetches today's gold and silver spot prices from gold-api.com and converts them with European Central Bank exchange rates. Prices change during the day and dealers' prices differ, so you can type your own price per gram. For some currencies there's no free daily rate, and you'll need to enter the prices yourself.

Is what I type saved or sent anywhere?

No. The calculator runs entirely in your browser. Your numbers are kept on this device so they're still there if you come back, and nothing is sent to us or anyone else. Use Clear to remove them.

Is this the same as Zakat al-Fitr?

No. Zakat al-Fitr is a small fixed charity paid for each member of the household before the Eid prayer at the end of Ramadan. This calculator is for zakat on wealth (zakat al-mal), which is paid once a year.