Your zakat
Zakat due (2.5%)
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Net zakatable wealth
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Nisab (your basis)
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Total assets
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Deductions
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Breakdown
| Gold value | — |
| Silver value | — |
| Nisab on gold | — |
| Nisab on silver | — |
Gold value = grams × (karat ÷ 24) × price per gram of 24K. Net = assets − deductions. Zakat = net × 2.5% when net is at or above the nisab.
This calculator only does the arithmetic. It is not a fatwa and not religious, financial, or tax advice. Where scholars differ, it lets you choose and says so. For your own case, ask a scholar you trust or your local zakat authority. Numbers stay in your browser.
How zakat is calculated
Zakat is 2.5% (one fortieth) of your net zakatable wealth, paid once a lunar year, if that wealth is at or above the nisab and has stayed there for a full lunar year (the hawl).
- Pick your zakat date and keep the same date each lunar year.
- Add what you own on that date: cash and bank balances, gold and silver, investments, business stock for sale, and money owed to you that you expect to get back. Your home, car, furniture, and personal belongings are not counted.
- Subtract what you owe now: bills and debt payments due now.
- Compare with the nisab. The nisab is the value of 87.48 g of gold or 612.36 g of silver (some use 85 g and 595 g). The silver nisab is much lower, so more people reach it; many scholars and charities recommend it as the cautious choice.
- If you are at or above the nisab, multiply by 2.5%.
Worked example (default figures). Cash 6,000, 20 g of 22K gold (20 × 22/24 = 18.33 g pure × 124.99 = 2,291.48), investments 3,000 and 500 owed to you make 11,791.48 in assets. Minus 800 due now gives 10,991.48. The silver nisab is 612.36 × 1.56 = 955.28, so zakat is due: 10,991.48 × 2.5% = 274.79.
Where scholars differ. Jewellery worn regularly (counted in the Hanafi school, generally not in the others), how to value shares, how much long-term debt to deduct, and pensions. Enter the figures that match the opinion you follow.
Questions
How do I calculate zakat?
Add up your zakatable assets on your zakat date (cash, bank balances, gold, silver, investments, business stock and money owed to you), subtract debts and bills due now, and compare the result with the nisab. If it is at or above the nisab and has been for a lunar year, zakat is 2.5% of that net amount.
What is the nisab for zakat?
The nisab is the minimum wealth on which zakat is due. It equals the value of 87.48 grams of gold or 612.36 grams of silver. Some use rounded weights of 85 g and 595 g. Because metal prices change daily, the nisab in money changes too, so enter today's price per gram.
Should I use the gold or the silver nisab?
Scholars differ. The silver nisab is much lower, so more people reach it, and many scholars and charities recommend it as the more cautious choice that benefits more recipients. Others use gold. This calculator shows both and lets you pick.
How do I work out the value of 22K or 18K gold?
Multiply the weight by the karat divided by 24 to get the pure gold weight, then multiply by the price of one gram of 24K gold. For example, 20 g of 22K gold contains 20 x 22 / 24 = 18.33 g of pure gold.
Is zakat due on jewellery I wear?
Scholars differ. The Hanafi school counts gold and silver jewellery, even if worn. The Shafi'i, Maliki and Hanbali schools generally do not count jewellery worn regularly in a normal amount. Enter the grams that match the opinion you follow.
Are my numbers saved or sent anywhere?
No. The calculator runs entirely in your browser. Nothing you type is stored or sent to a server.
Keep your zakat and sadaqah in one workbook
The Wellkept Zakat & Sadaqah Tracker does the same arithmetic in a file that stays with you: gold by karat and silver by purity, gold or silver nisab, 2.5% zakat, your hawl date and the next five zakat dates, a payments log with the 8 recipient categories, and a sadaqah log with monthly totals and a chart. Excel and Google Sheets, English and German. $9. Not a fatwa; no interest calculations.
See the Zakat & Sadaqah Trackeror plan the payment with the free sinking fund calculator