Finance
Zakat Calculator
Work out the zakat due on your wealth at 2.5%, with the nisab in your own currency. Where the schools of law differ — jewellery you wear, shares you hold long term — you choose, and the page says what each position means.
The nisab
Zakat is due only on wealth that reaches the nisab and stays there for a lunar year. The nisab is fixed in the sources as a weight of metal, not a sum of money, so it is worth whatever that weight is worth today — which is why you type the price.
This is the choice that decides whether you owe anything. The two nisabs were comparable sums when they were set; silver has fallen so far against gold since that the silver threshold is now worth roughly a twelfth of the gold one. Most contemporary scholars use silver, because the lower threshold takes in more payers and so reaches more of the poor. Others hold that gold better preserves what the original amount was worth. Silver is selected here by default.
Nisab in money
—
20 mithqāl of gold is 87.48 g and 200 dirhams of silver is 612.36 g on the classical reckoning. Some bodies publish 85 g and 595 g instead, because the mithqāl and the dirham are themselves reconstructed weights. Both are in use and neither is wrong — if the scholar or organisation you follow publishes a different figure, put theirs in.
What you own
Money in hand, in current and savings accounts, and in wallets. Include anything set aside for a purpose but not yet spent.
The Hanafi school counts gold and silver whether worn or stored, because the obligation attaches to the metal itself. The Maliki, Shafi'i and Hanbali schools exempt jewellery in genuine personal use, as a possession in use rather than wealth held. For most households here this is not a rounding difference — the family gold is often the largest line on the page.
Shares bought to trade are stock and count in full — no school disputes that. For shares held long term you own a slice of a company whose own assets are partly zakatable (its cash, stock and receivables) and partly not (its buildings and plant). Counting the full market value is the cautious reading. Counting a portion is closer to the reasoning, and bodies that take that route usually publish a figure between a quarter and a third.
- Stock held for sale, valued at what it would sell for now rather than what it cost you.
- Loans you have made and invoices outstanding, as long as you expect to see the money. A debt you have given up on is not wealth.
- EPF, PPF, NPS or a pension pot, to the extent you could withdraw it. Scholars differ on money you cannot yet touch; some count it, some say zakat falls due only on receipt.
What you owe
- Bills, rent, card balances and anything else payable now.
- The instalments falling due in the year ahead — not the balance of the loan. Deducting a whole home loan is the standard error in calculators of this kind, and it wipes out almost everybody's zakat at the expense of the people it was meant for.
What is due
- Total counted
- ₹0
- Less what you owe
- − ₹0
- Net wealth
- ₹0
- Nisab
- —
Enter the price per gram of the metal your nisab is based on, and the threshold will appear.
How to use it
- Pick your currency, choose whether the nisab is based on silver or gold, and enter today's price per gram where you are.
- Enter what you own: cash, gold and silver by weight, shares, business stock, money owed to you, and retirement savings.
- Choose the position you follow on worn jewellery and on long-term shares; the totals move as you switch.
- Enter what you owe: debts due now, this year's loan instalments only, and business payables.
- Compare your net wealth against the nisab. At or above it, 2.5% is due.
How it works
Zakat is a quarter of a tenth — 2.5%, one part in forty — of the net wealth that has stayed at or above the nisab for a lunar year.
The nisab is fixed by weight rather than by money: 20 mithāqāl of gold (87.48 g) or 200 dirhams of silver (612.36 g). That is why the calculator needs a price per gram to turn a weight into an amount.
No hidden conversion factor is applied between gold and silver. Each nisab is worked out from its own weight and its own price, and the large gap between them is a result rather than an assumption.
Points on which the schools of law differ are offered as choices rather than fixed, and this page does not settle them.
Everything is calculated in your browser. No figure you enter leaves your device.
Common questions
Why do I have to type the gold price myself?
Because nothing on this site is fetched from anywhere. Everything runs in your browser and no request leaves your device, which is what lets the whole page work with the network switched off. A live rate would also be a rate from one source on one exchange, and the price your jeweller will actually pay is the one you can see locally.
Should I use the gold nisab or the silver one?
That is a question for the scholar you follow, not for a calculator. What the page can tell you is what turns on it: the silver threshold is worth roughly a twelfth of the gold one at current prices, so it is the difference between owing zakat on modest savings and owing nothing. The majority contemporary view uses silver, on the grounds that the lower threshold reaches more of the poor. Try both — the tool switches in one click.
Does the gold my wife wears count?
It depends on the school you follow, and the tool asks rather than deciding. The Hanafi position is that gold and silver are zakatable whether worn or stored. The Maliki, Shafi'i and Hanbali position is that jewellery in genuine personal use is exempt. Both are long-established. Choose the one you follow and the totals change accordingly.
Can I deduct my home loan?
Only the instalments falling due in the year ahead, not the outstanding balance. This is the most common mistake in zakat calculators, and it is not a small one: deducting a whole mortgage takes almost everybody below the nisab. The contemporary majority allows what is actually payable within the year.
When exactly is it due?
When a lunar year has passed over wealth that has stayed at or above the nisab. Pick a Hijri date, and pay on it each year. Because a Hijri year is about 354 days, it moves roughly eleven days earlier against the Gregorian calendar annually — so the same Gregorian date each year will slowly drift wrong.
Hijri Date Converter →Is this a fatwa?
No. It is arithmetic with its assumptions written down. Every point on which the schools differ is presented as a choice with both positions named, and the defaults are stated rather than hidden. For a ruling on your own circumstances, ask a scholar who knows them.