Zakat Calculator
Calculate your estimated Zakat on cash, savings, gold, silver, investments, business assets and other qualifying wealth. Choose your Nisab method, enter eligible deductions, and see your estimated Zakat instantly.
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How Much Zakat Do I Pay?
This Zakat calculator estimates 2.5% of your net zakatable wealth when that wealth is at or above the Nisab you select. Net wealth is your cash, savings, gold, silver, investments, business assets, and other qualifying amounts, minus eligible debts you enter. The result is an educational estimate for a snapshot in time. It does not decide whether a lunar year (Hawl) has passed, and it is not a religious ruling.
- Rate used here: 2.5% of net zakatable wealth, not 2.5% of the amount above Nisab only.
- Nisab: gold (85g), silver (595g), or a custom threshold you type.
- Hawl: many methodologies require wealth to stay at or above Nisab for one lunar year before Zakat is due.
- Schools and advisors differ on jewelry, retirement accounts, and some investments—choose inputs accordingly.
How to Use This Zakat Calculator
- Choose your currency (USD is the default for U.S. dollar estimates).
- Choose Gold, Silver, or Custom Nisab and enter a 24K gold price, silver price, or custom amount.
- Enter cash in hand, checking, savings, deposits, wallets, and any foreign-currency value in that same currency.
- Enter gold weight, unit, and karat, plus silver weight if you hold silver.
- Add stocks, funds, business inventory, receivables, and money owed to you when they apply.
- Enter immediately due debts and any Zakat already paid this cycle.
- Review whether you are above or below the selected Nisab.
- Read the estimated Zakat amount and copy it if you want a record.
How this calculator estimates Zakat
The working method is a common net-wealth approach. Actual obligation can depend on your circumstances, the Nisab basis you follow, and how particular assets are treated.
Net zakatable wealth = zakatable assets − eligible deductions
Estimated Zakat = net zakatable wealth × 2.5% (if net ≥ selected Nisab)
Gold value uses pure-gold equivalent: weight × karat ÷ 24, then multiplied by your 24K gold price per gram. Silver value is weight × your silver price. Prices are editable because this page does not fetch live metal quotes. If a price is missing, that metal’s value is treated as zero and gold or silver Nisab cannot be compared until you enter a price. Custom Nisab still works without metal prices.
- Nisab
- The minimum wealth threshold. This tool uses 85 grams of gold or 595 grams of silver—the figures used across EverydayTools. Some references cite 87.48g / 612.36g; use Custom if your advisor uses those weights.
- Hawl
- A lunar year of about 354 days. The calculator does not track holding dates. Confirm timing with trusted local guidance before you pay.
- Eligible deductions
- Immediately due debts and Zakat already paid in this cycle are subtracted. Long-term mortgages and other non-due liabilities are not removed automatically.
Worked examples
Gold is priced at $80 per gram in these examples so the arithmetic is easy to follow. That is not a live market price. Gold Nisab at $80/g is 85 × $80 = $6,800.
| Example | Inputs | Estimate |
|---|---|---|
| Cash and savings | $4,000 cash + $6,000 savings. No debts. | Net $10,000, above Nisab. 2.5% = $250. |
| Gold plus cash | $5,000 cash and 50g of 22K gold. Pure gold = 50 × 22/24 ≈ 45.83g. Value ≈ $3,667. | Net ≈ $8,667, above Nisab. 2.5% ≈ $217. |
| Investments | $12,000 stocks + $3,000 funds at current value. Methodology for some holdings can differ. | If you treat the full $15,000 as zakatable, 2.5% = $375. |
| Below Nisab | $2,000 cash, gold Nisab $6,800. | Below threshold. Estimated Zakat = $0 under this method. |
What you can include
Use this page when you want one U.S. dollar (or other listed currency) snapshot of cash, savings, gold, silver, jewelry by karat, stocks, funds, business inventory, and receivables. Personal-use items that your methodology excludes should be left out. For a gold-only breakdown with reverse estimate tools, use the Gold Zakat Calculator. Voluntary giving that is not Zakat belongs on the Charity Calculator. To inspect 2.5% of a single number, use the Percentage Calculator.
Common Zakat calculation mistakes
- Leaving out bank and savings balances, or digital wallets.
- Using purchase price for gold, silver, or stocks instead of current value where your method requires current value.
- Ignoring karat, so 18K jewelry is valued as if it were 24K.
- Forgetting receivables and money you reasonably expect to recover.
- Subtracting a full mortgage or other long-term debt that is not immediately due.
- Picking gold or silver Nisab without knowing which threshold your advisor uses.
- Skipping Hawl and treating a one-day snapshot as automatically payable.
- Assuming every stock, fund, 401(k), or IRA is treated the same way.
- Using last year’s metal prices when your method needs a current reference price.
- Mixing personal-use assets with zakatable trade goods.
- Treating any online calculator as a substitute for individual scholarly guidance.
Frequently asked questions
What is Zakat?
Zakat is an obligatory alms payment in Islam on qualifying wealth. This page estimates a common 2.5% calculation. It does not issue a ruling for your situation.
How do I calculate my Zakat?
Add zakatable assets at the values your methodology uses, subtract eligible immediately due debts, compare the net amount with your chosen Nisab, and if you are at or above that threshold apply 2.5%. Also consider whether one lunar year (Hawl) has passed.
What is the Zakat rate?
This calculator uses 2.5% of net zakatable wealth. That is the rate commonly applied to cash, gold, silver, and similar holdings. It is not applied to the excess above Nisab only.
What is Nisab?
Nisab is the minimum wealth threshold. Here, gold Nisab is 85 grams of pure gold times your gold price per gram, and silver Nisab is 595 grams times your silver price. Some references use 87.48g / 612.36g—enter those via Custom if needed.
Should I use gold or silver Nisab?
Advisors differ. Gold Nisab is usually a higher dollar threshold. Silver Nisab is usually lower, so more people meet it. Choose the method you actually follow; this tool does not pick one for you.
How much Zakat do I pay on cash and savings?
If cash, checking, savings, and similar balances are part of your zakatable wealth and the total net amount is at or above Nisab (with Hawl met), this method estimates 2.5% of that net wealth, not 2.5% of cash alone.
Is Zakat due on gold jewelry?
It depends on the methodology you follow. Some treat personal-use jewelry as exempt; others include it. If you include jewelry here, enter weight and karat so 18K or 22K is not valued as 24K. Confirm with a trusted scholar.
Is Zakat due on silver?
Silver holdings are often included at current value. Enter weight and a silver price per gram. If you select silver Nisab, the threshold is 595g times that price.
Is Zakat due on stocks and investments?
Treatment varies. Some methods use current market value of shares, others look at underlying zakatable assets, and some distinguish trading from long-term holdings. Enter the amount your methodology counts. This is not a universal ruling.
Is Zakat due on business inventory?
Trade goods and business cash are commonly included. Enter inventory and business receivables you expect to recover. Confirm local guidance for your type of business.
Can debts be deducted from Zakatable wealth?
This calculator subtracts debts you mark as immediately due, plus Zakat already paid in the cycle. It does not automatically subtract long-term loans such as a full home mortgage. Deduction rules differ by school.
Is Zakat due on a 401(k) or IRA?
There is no single agreed treatment for U.S. retirement accounts. Some count accessible vested amounts, some wait until funds are withdrawn, and some apply other adjustments. Use the optional retirement field only if your chosen methodology includes that value.
Does Zakat apply after one lunar year?
Many methodologies require Hawl: wealth remaining at or above Nisab for one lunar year (about 354 days). This calculator does not track dates. Use it as a snapshot, then confirm timing before you pay.
Does this Zakat calculator work in USD?
Yes. USD is the default. You can also enter amounts in PKR, GBP, EUR, SAR, AED, or INR. The tool formats that currency; it does not apply live exchange rates.
Is my financial information stored?
No. Values are calculated in your browser and are not uploaded to EverydayTools servers. A share link, if you copy one, stores your numbers in the URL hash on your device. We do not save them in server storage.