Zakat Calculator — Calculate Zakat on Savings, Gold & Assets
Determine your annual Zakat obligations accurately based on your assets, liabilities, and current Nisab values.
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About this tool
The Zakat Calculator helps Muslims calculate their annual Zakat obligation on savings, gold, silver, investments, and business assets. It uses the current Nisab threshold (minimum amount subject to Zakat) and applies the standard 2.5% rate to all qualifying assets held for one lunar year (Hawl).
Zakat is one of the Five Pillars of Islam — an annual obligation for Muslims whose wealth exceeds the Nisab threshold. The calculation covers cash in hand and bank accounts, gold and silver, invested assets, and business inventory. Personal use items like your home, car, and furniture are exempt.
How to use
- Enter the current gold or silver Nisab value in your currency (the tool may show this automatically based on current prices).
- Enter your total cash savings and bank balances.
- Enter the value of gold and silver you own.
- Enter investment values (stocks, mutual funds, business inventory).
- The tool calculates whether your total wealth exceeds Nisab and shows your Zakat amount at 2.5%.
This page is available at /tools/zakat-calculator/.
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FAQ
What is the Nisab threshold?
Nisab is the minimum amount of wealth a Muslim must have before Zakat becomes obligatory. It is set at either 87.48 grams of gold or 612.36 grams of silver. In practice, the silver standard (lower value) is more commonly used as it brings more people into the Zakat obligation. The monetary value changes daily with precious metal prices.
What assets are subject to Zakat?
Cash (in hand and in bank accounts), gold and silver, investment portfolios and stocks, business merchandise and inventory, and money owed to you that you expect to receive. Exempt assets include your primary home, personal vehicle, clothing, household furniture, and tools of your trade.
Is Zakat 2.5% of everything I own?
Zakat is 2.5% of qualifying assets that have been held for one full lunar year (Hawl) AND exceed the Nisab threshold. If your wealth drops below Nisab at any point during the year, the Hawl resets.
When should I pay Zakat?
Zakat is due after the completion of one lunar year (Hawl) from when your wealth first exceeded Nisab. Many Muslims pay during Ramadan for the spiritual reward, but any time of year is valid as long as the Hawl is complete.
Do I pay Zakat on my pension or retirement fund?
Scholarly opinions differ. The majority view is that Zakat is due on pension funds you have control over (can withdraw from). Defined-benefit pensions where you cannot access the funds until retirement are generally not subject to Zakat until withdrawal.