Compute your mandatory Zakat (Zakat al-Mal) according to traditional Islamic rulings. Enter your assets, liabilities, and the current Nisab threshold (gold or silver).
Zakat (Arabic: زكاة) is a mandatory charitable contribution often referred to as the “poor due.” It is one of the Five Pillars of Islam, obligatory for every Muslim who possesses wealth above a specific minimum threshold (Nisab) for one lunar year. Zakat purifies wealth, fosters social solidarity, and redistributes resources to eight categories of recipients mentioned in the Qur’an (Surah At-Tawbah 9:60).
Nisab is the minimum amount of wealth that makes Zakat obligatory. Two classical measures are used: the value of 85 grams of gold or 595 grams of silver. Most contemporary scholars recommend the silver Nisab because it is lower, thus making Zakat due on more people, increasing charity. Hawl means one lunar year (355 days) has passed while the wealth remained above Nisab. This calculator assumes annual accumulation; use it for your current net Zakatable wealth.
Zakatable assets include cash, gold/silver (coins, jewelry held as savings), business inventory, accounts receivable, shares of publicly traded companies (at market value), and rental income surpluses. Personal residence, household furniture, cars for personal use, and tools of trade are generally exempt.
Zakat Formula
Zakat = 2.5% × (Total Zakatable Wealth – Immediate Liabilities)
Eligible only if (Total Wealth – Liabilities) ≥ Nisab Value.
Historically, the Prophet (PBUH) fixed Nisab at 20 mithqals of gold (≈85g) or 200 dirhams of silver (≈595g). Since silver is far less valuable, the silver Nisab is lower, making more people eligible to pay Zakat. Many contemporary scholars (including the International Zakat Council) recommend using silver Nisab for maximum precaution and to increase benefit for the poor.
Scenario: Fatima has $7,500 in her savings, $3,200 in business inventory, $1,500 owed to her by clients, and $2,000 in gold jewelry (saved for investment). Her debts: $1,200 credit card balance. Gold price = $1,950/oz, silver = $25/oz. She selects silver Nisab (595g silver ≈ 19.13 troy oz ⇒ 19.13 × $25 = $478). Net wealth = (7500+3200+1500+2000) - 1200 = $13,000. Since $13,000 > $478, Zakat due = $13,000 × 0.025 = $325. The calculator returns this amount instantly.
Our calculator adheres to the rulings of the Islamic Fiqh Council, the Fiqh Council of North America (FCNA), and classical Hanafi and Shafi’i schools. The 2.5% rate is universally agreed. Nisab values are based on hadiths from Sahih Bukhari and Muslim. For precise religious application, consult a local imam or certified Zakat organization (e.g., Islamic Relief, Zakat Foundation of America).