Money
Zakat Calculator
Last updated: May 31, 2026
Written by Blake Boege
A Zakat calculator is an Islamic financial tool designed to calculate an individual's annual Zakat obligation, which is traditionally 2.5% of their net zakatatable wealth. It aggregates liquid assets (cash, gold, silver, investments, and business inventory) and subtracts short-term liabilities (outstanding bills and immediate debts) to determine net wealth. If the net wealth exceeds the Nisab threshold (a minimum wealth level based on the price of gold or silver), Zakat is due on the entire amount.
Determine your annual Zakat obligation. Input your cash, precious metals, investment assets, and business merchandise, deduct short-term liabilities, and compare your net wealth against the Nisab threshold.
Quick Answer
Calculate your annual Zakat obligation. Input your cash, investments, gold, and other eligible assets, subtract liabilities, and compare against the Nisab threshold to determine Zakat due.
Assets & Precious Metals
All cash savings, checking balances, and physical currency.
Current value of gold and silver jewelry, coins, or bullion.
Current value of stock accounts, retirement funds, and digital assets.
Wholesale value of inventory or business goods intended for sale.
Include only debts you are certain will be repaid.
Deductions & Thresholds
Current monthly bills, taxes, or immediate loan payments due.
The minimum threshold of net wealth required to owe Zakat.
Zakat obligation due
$337.50
2.5% of net wealth ($13,500.00)
Examples
$15,000 net wealth (Nisab $6,400)
Zakat Due: $375.00 (2.5% of net wealth)
$5,000 net wealth (Nisab $6,400)
Zakat Due: $0.00 (Wealth is below Nisab threshold)
$50,000 assets, $10,000 liabilities (Nisab $6,400)
Zakat Due: $1,000.00 (2.5% of $40,000)
How it works
Zakat is calculated at a flat rate of 2.5% on eligible wealth accumulated over a lunar year, provided the net wealth exceeds the Nisab threshold:
Net Wealth:
Net Wealth = Total Zakatatable Assets − Eligible Liabilities
Zakat Calculation:
If Net Wealth ≥ Nisab Value: Zakat = Net Wealth × 0.025
If Net Wealth < Nisab Value: Zakat = $0.00
Disclaimer: This calculator is for educational and informational purposes only. Zakat rules, calculations, and Nisab thresholds can vary by school of jurisprudence (Madhhab), country, and personal situations. Please consult a qualified Islamic scholar or local religious authority for specific guidance regarding your financial circumstances.
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Frequently asked questions
Nisab is the minimum threshold of wealth an individual must possess for a full lunar year before Zakat becomes obligatory. Traditionally, it is equal to the value of either 85 grams of gold or 595 grams of pure silver. Lenders and Zakat organizations typically publish current Nisab values in local currency based on metal spot prices.
Eligible assets include cash (in hand or in bank accounts), gold, silver, investment portfolios (stocks, mutual funds, cryptocurrency), business inventory intended for sale, and money owed to you that is virtually guaranteed to be repaid. Personal assets like your primary residence, car, clothes, and everyday equipment are exempt.
Yes. Short-term debts or liabilities that are due immediately or within the current year (such as credit card bills, tax liabilities, or the current month's utility/housing bill) can be subtracted from your total eligible assets to calculate your net Zakatatable wealth.
Zakat is due once a full lunar year (Hawl) has passed since your wealth met or exceeded the Nisab threshold. Many Muslims choose to calculate and distribute their Zakat during the month of Ramadan for convenience and spiritual rewards, though it can be paid at any point once the Hawl is complete.
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