MAll Things Muslims
‹Zakat Calculator

3rd Pillar of Islam

Zakat
Calculator.

Calculate your annual Zakat — nisab check, gold & silver, savings, investments, and business goods. Based on 2.5% of net zakatable wealth held for one lunar year (hawl).

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About Zakat

Zakat is the third pillar of Islam — an annual, obligatory charity of 2.5% on net wealth held above the Nisab threshold for a full lunar year. It is not a tax or a donation. It is a right that Allah has placed in the wealth of the rich for the poor, and the paying of it is a fundamental act of worship.

The Qur'an pairs Zakat with prayer throughout its revelations — what is standing in prayer without purifying one's wealth, and what is purified wealth without standing before Allah? Paying Zakat annually keeps wealth in circulation, reduces inequality, and serves as an annual audit of where our money has been during the year.

How the calculation works

01

Check Nisab

Compare your total zakatable wealth to the value of 85g of gold or 595g of silver (whichever is lower, usually silver). Below this threshold, no Zakat is due this year.

02

Confirm the hawl

Zakat is only due once a full lunar year (354 days) has passed on wealth that was at or above Nisab the entire time. Track your Zakat anniversary — many people set theirs to the 1st of Ramadan or their first year at Nisab.

03

Sum your zakatable assets

Cash, gold & silver, business stock, investment shares, money owed to you. Value everything at its market price on your Zakat anniversary.

04

Subtract eligible debts

Short-term debts due within the coming year. Long-term debts (mortgage) follow the scholarly view you follow — most deduct only one year's worth.

05

Multiply by 2.5%

The resulting 2.5% is your Zakat obligation. Divide by 12 if you'd like a monthly figure; many people prefer a single annual payment during Ramadan.

06

Distribute to an eligible recipient

Pay to one of the eight Qur'anic categories — usually via your national Zakat authority or a trusted charity with a Zakat-specific fund.

Quick reference

Gold jewellery worn regularly

Still zakatable — value it at current scrap-gold price on your Zakat anniversary.

Primary home

Not zakatable. Personal-use property is exempt.

Investment property

The building itself is exempt, but rental income held at year-end is zakatable as cash.

CPF / 401(k) / pension

Zakatable on the portion you can freely withdraw today.

Cryptocurrency

Zakatable — treat it like cash or investment. Use market value on your Zakat day.

Business inventory

Zakatable at wholesale/market resale value, not at purchase cost.

Frequently Asked

What is Zakat?+
Zakat is one of the five pillars of Islam — an annual charity of 2.5% on wealth that has been held above the Nisab threshold for one full lunar year (a hawl). It is obligatory on every free, adult, sane Muslim whose net zakatable wealth meets the threshold. Zakat differs from voluntary sadaqah in that it is a fixed obligation with specific recipients defined in the Qur'an.
What is Nisab and how is it calculated?+
Nisab is the minimum wealth threshold at which Zakat becomes obligatory. It is set at the value of 85g of gold or 595g of silver — whichever is lower in the current market. Most scholars today recommend the silver standard, which is lower and therefore more protective of the poor. The calculator checks both automatically using live-style reference prices.
What wealth is zakatable?+
Cash and bank balances (any currency), gold and silver (regardless of form — jewellery, coins, bars), business stock and trade goods held for resale, shares and investment holdings, and money owed to you that you expect to receive. Personal-use items (your home, car, clothing, everyday furniture) are not zakatable. Retirement accounts are zakatable on the portion you can freely access.
What can I deduct?+
Short-term debts due within the zakat year — rent owed, upcoming bills, short-term loans — can be deducted. Long-term debts such as a mortgage are generally not deducted from Zakat, or only one year's worth of payment is deducted, depending on the scholarly view you follow.
When do I pay Zakat?+
Zakat is due after a full lunar year (354 days) has passed on wealth that was at or above Nisab. Many Muslims choose to pay during Ramadan for the multiplied reward, but any fixed date in the Hijri year works — just be consistent year to year.
Who receives Zakat?+
The Qur'an (9:60) names eight categories of recipients: the poor, the needy, those employed to collect it, those whose hearts are to be reconciled, slaves seeking freedom, the debt-ridden, those striving in God's cause, and the stranded traveller. Local Zakat authorities (such as MUIS in Singapore, LZS in Malaysia, Baznas in Indonesia) distribute Zakat according to these categories.
Is Zakat due on cryptocurrency?+
Most contemporary scholars treat cryptocurrency as zakatable — it is a liquid store of value held like cash or investment. Value it at its market price on your Zakat anniversary and include it with cash and investments. Use the 'Investments' field in the calculator.
Is this calculator Shariah-compliant?+
This calculator implements the mainstream majority-scholar position on Zakat al-Mal (the annual wealth zakat). For complex situations — trust structures, cross-border businesses, zakat on debts owed to you, mixed-currency estates — always consult a qualified scholar or your local Zakat authority. This tool is a planning aid, not a fatwa.

This calculator follows the mainstream majority-scholar position on annual Zakat al-Mal. For complex estates, trusts, or cross-border businesses, consult your local Zakat authority or a qualified scholar.

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