Home / Calculators / Zakat
Nisab-Based

Zakat Calculator

Add up your zakatable assets and compare them against the current Nisab threshold, at the standard 2.5% rate.

Cash in hand plus all savings/current bank account balances.

Weight of gold you own — jewellery held as savings, bars, coins. Valued automatically at the current gold price.

Weight of silver you own. Valued automatically at the current silver price.

Current market value (not cost price) of goods held for resale in a business.

Money owed to you that you expect to actually receive.

Money owed to you that you're unsure you'll ever collect — not counted as zakatable wealth until actually received.

Shares you actively trade for price movements — counted at full market value.

Shares you hold for dividends/ownership rather than trading — only the portion representing the company's own zakatable assets counts (a standard percentage approximation is applied automatically).

Funds you could withdraw today if you chose to — counted as zakatable wealth.

Funds you cannot access yet (e.g. before retirement) — not counted until they become accessible.

Anything else zakatable not covered above. Agricultural produce is Ushr, not Zakat, and doesn't belong here.

Money you owe and must pay soon — deducted in full.

For a multi-year loan (e.g. a mortgage), only the installment due within the next year is deducted — not the full remaining balance.

The minimum wealth threshold below which Zakat isn't due. Silver is the more commonly used, more protective-of-the-poor basis.

Zakat is traditionally due on a lunar year. If you track your wealth by the Gregorian calendar instead, the slightly higher solar rate adjusts for the ~11 extra days.

How This Calculator Works

  • 1Enter cash, bank balances, gold/silver, stock and receivables.
  • 2Enter short-term debts you owe - deducted first.
  • 3See your Nisab comparison and Zakat due.

What Counts as Zakatable Wealth

Cash, gold and silver, business inventory, receivables you expect to collect, and investment assets held above the Nisab for a full lunar year are zakatable. Your home, personal vehicle and household items are not. Business assets are easy to under-count - if your business carries significant stock or receivables, it's worth reviewing alongside your annual accounts.

Nisab: Gold vs. Silver Standard

Nisab can be calculated on the gold standard (87.48g) or the silver standard (612.36g) - the silver standard gives a lower threshold and is generally the more precautionary choice. The calculator uses current market rates for both.

Reference

Based on the Zakat & Ushr Ordinance, 1980 and standard Nisab thresholds (gold and silver standard).

FAQs

Do I pay Zakat on money someone owes me?+

Yes, if you reasonably expect to recover it. Include it as a receivable in the calculator.

Is Zakat the same as income tax?+

No - they're calculated separately, on different assets and different rules. See our Income Tax Calculator for that figure.

What if my wealth is below Nisab?+

No Zakat is due for that year on wealth below the Nisab threshold.

Related Tools & Services

Income Tax Calculator Inheritance (Faraid) Calculator Taxation Services All Calculators

Not Sure How to Value Your Business Assets?

We can review your accounts and confirm the exact Zakat-liable figure.

Book a Free Consultation
Scroll to Top