01 / Add
Enter what you own
Cash, gold and silver by weight, investments and business stock. Leave anything that does not apply.
Zakat calculator, with today's nisab.
Add up your cash, gold, silver, investments and business wealth, take off what you owe now, and see the zakat due at 2.5%. Hanafi rules by default, with the other madhhabs one tap away.
Madhhab
Nisab based on
- Gold, 24k
- …
- Silver
- …
- Nisab
- …
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- Your assets
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- Less what you owe
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- Zakatable wealth
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Zakat due, 2.5%0
Everything you type stays on this device. Prices: gold-api.com and Exchange Rate API, refreshed hourly.
How it works
Four steps, about five minutes.
02 / Subtract
Take off what you owe now
Bills and debts due now, and only the next 12 months of a mortgage or long loan.
03 / Compare
Check the nisab
If what is left is at or above the nisab, zakat is due on all of it.
04 / Pay
Give 2.5%
Print the breakdown, pay it to people who are eligible, and set a reminder for next year.
Guide
How to calculate zakat, Hanafi rules first.
Zakat is one of the five pillars of Islam: 2.5% of the wealth you have held for a full lunar year, once it is at or above a minimum called the nisab. Allah says: "Take from their wealth a charity by which you purify them and cause them increase."1
A worked example
Amina has $6,000 in the bank, $400 in cash and a 22k gold necklace of 20 grams. She owes $900 on a credit card. With gold at $128 a gram, the necklace holds 18.3 g of pure gold, worth about $2,345. Her assets are $8,745. After the $900 debt she has $7,845. That is above the silver nisab, so her zakat is 2.5% of $7,845: $196.13.
Which nisab: gold or silver?
Hanafi position
The nisab is 20 mithqal of gold (87.48 g) or 200 dirhams of silver (612.36 g). When wealth is cash or a mix of different kinds, use the silver nisab, because it is lower and so better for the poor. Gold and silver, cash and trade goods are added together by value to reach the nisab.2
Other madhhabs
- Shafi'i
- Gold and silver each have their own nisab and are not added together. Many contemporary Shafi'i scholars use the gold nisab for cash.
- Maliki
- Gold and silver are added together to reach the nisab, by count rather than value.
- Hanbali
- Gold and silver are added together by value to reach the nisab, as in the Hanafi school.
Gold and silver jewelry
Hanafi position
Zakat is due on all gold and silver, including jewelry that is worn regularly, by the weight of pure metal. A 22k piece is 91.67% gold, a 21k piece 87.5% and an 18k piece 75%.
Other madhhabs
- Shafi'i, Maliki, Hanbali
- Jewelry that is permissible and worn regularly is exempt. Jewelry kept for saving, or not worn, is zakatable. Tick Worn jewelry in the calculator and choose your madhhab to see the difference.
| Unit | Grams |
|---|---|
| 1 tola | 11.664 g |
| 1 troy ounce | 31.103 g |
| Gold nisab | 87.48 g, or 7.5 tola |
| Silver nisab | 612.36 g, or 52.5 tola |
401k, IRA, pensions and ISAs
If you can take money out of the account, many contemporary scholars, including Hanafi muftis in North America and the UK, say zakat is due on what you could withdraw today, after the early-withdrawal penalty and tax. If you cannot touch the money at all until retirement, most say zakat is not due until you can. An ISA is treated like any savings or investment account.
Shares, funds and crypto
Shares bought to sell for a profit are trade goods, so zakat is due on their full market value. For shares held for the dividends, Mufti Taqi Usmani's view, common among Hanafi scholars, is that zakat is due only on your share of the company's zakatable assets (its cash, receivables and stock). If you cannot find that figure, pay on the full value to be safe. Most scholars treat crypto held as an investment like a trade good, at its market value on your zakat date.
Business stock and property
Business stock is valued at the price you would sell it for. Land or property bought to resell is valued at today's market price. Your own home, car, furniture and tools of your trade are not zakatable. For a rental property, zakat is due on the rent you still have on your zakat date, not on the value of the property.
Which debts can you take off?
Hanafi position
Debts you owe now reduce your zakatable wealth: credit cards, bills, unpaid wages and loans due. For a mortgage or other long loan, take off only the payments due in the next 12 months, not the whole balance.3
Other madhhabs
- Shafi'i
- Debts do not reduce zakat in the more correct view of the school, so the full wealth is counted.
- Maliki
- Debts reduce zakat on gold, silver and cash, but not on crops or livestock.
- Hanbali
- Debts that are due reduce the wealth zakat is paid on.
When is zakat due?
Hanafi position
Zakat is due when you have held wealth at or above the nisab for a full lunar year (hawl). What matters is having the nisab at the start and the end of the year. If it drops in between but does not disappear completely, the year continues. Many people pick a fixed date, such as 1 Ramadan, and pay every year on that date. You may also pay early once you own the nisab.
Other madhhabs
- Shafi'i, Hanbali
- The nisab must stay complete for the whole year. If it drops below the nisab at any point, a new year starts when it is reached again.
Who can receive zakat?
Allah names eight groups in Surah At-Tawbah: the poor, the needy, those who collect it, those whose hearts are to be won over, freeing captives, people in debt, in the cause of Allah, and the stranded traveller.4 In the Hanafi school, zakat cannot be given to your own parents, grandparents, children, grandchildren or spouse, or to a non-Muslim, and the recipient must be given ownership of it.
- Quran 9:103, translation by Sahih International.
- Al-Marghinani, al-Hidayah, Kitab al-Zakat; nisab weights as used by Darul Uloom Deoband and most Hanafi institutions.
- Mufti Muhammad Taqi Usmani, Contemporary Fatawa, on zakat and long-term debts and on shares.
- Quran 9:60. The other madhhabs' positions are summarised from their standard manuals.
The rulings on this page are pending review by the scholars on our team.
Questions
Good to know.
How much zakat do I pay on $10,000?
If $10,000 is your total zakatable wealth after debts, and it has been at or above the nisab for a lunar year, the zakat is 2.5% of it: $250.
What is the nisab for 2027?
It changes with the price of silver and gold. The calculator above shows today's nisab in your currency: 612.36 g of silver or 87.48 g of gold. Hanafi scholars use the silver nisab for cash and mixed wealth.
Is zakat due on my house or car?
No. Things you own for your own use, such as your home, car, furniture and clothes, are not zakatable. Property bought to resell is.
Do I pay zakat on gold jewelry I wear?
In the Hanafi school, yes: all gold and silver is zakatable, worn or not. In the Shafi'i, Maliki and Hanbali schools, permissible jewelry that is worn regularly is exempt.
Is zakat due on my 401k?
Many scholars say yes, on the amount you could withdraw today after penalty and tax. If you have no access to the money at all, most say it is not due until you do.
Can I pay zakat monthly or in advance?
Yes. In the Hanafi school you may pay zakat in advance once you own the nisab, including in monthly amounts. Check the total against what is due on your zakat date and pay any difference.
What is the difference between zakat and sadaqah?
Zakat is the obligatory 2.5% with fixed rules on who can receive it. Sadaqah is any voluntary charity, given to anyone, at any time, in any amount.