Enter Your Assets
Zakat Due (2.5%)
$0
Net Zakatable Assets
$0
Nisab Status
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Calculate your annual Zakat obligation on eligible cash, gold, silver, and investments above the Nisab threshold.
$0
Net Zakatable Assets
$0
Nisab Status
-
Add up eligible assets (cash, gold, silver, investments), subtract short-term debts, and if the result meets or exceeds the Nisab threshold, pay 2.5% of that net amount as Zakat.
Zakat Due = (Total Assets − Liabilities) × 2.5%, if above Nisab
Zakat is one of the Five Pillars of Islam, an obligatory annual payment of 2.5% on a Muslim's eligible net wealth, provided that wealth meets or exceeds the Nisab threshold and has been held for one full lunar (Hijri) year. It is distinct from voluntary charity (Sadaqah) in that it is a religious obligation with specific rules on what counts and how much is owed.
Nisab is the minimum wealth threshold below which Zakat is not obligatory, traditionally defined as the value of 87.48 grams of gold or 612.36 grams of silver. Because the silver threshold is typically lower in dollar terms, many scholars recommend using it, since it means more people at lower income levels give Zakat and more recipients benefit. Gold and silver prices fluctuate, so it's worth checking a current value before finalizing your calculation.
Eligible assets generally include cash on hand and in bank accounts, gold and silver (jewelry treatment varies by school of thought), stocks and investments held for growth or income, and inventory held for business/trade. Personal-use assets like your primary residence, personal vehicle, clothing, and household furniture are typically excluded, since Zakat targets accumulated, growable wealth rather than items used for daily living.
Short-term debts due within the year (credit card balances, near-term bills) are generally subtracted from your total assets before calculating Zakat, since Zakat is owed on net wealth, not gross assets. Long-term debts like a mortgage are typically not deducted in full, only the portion due within the current year, though views vary by school of thought.
Zakat is calculated as 2.5% of your total eligible net assets (cash, gold, silver, investments, and business inventory, minus short-term debts) if that total meets or exceeds the Nisab threshold, held for one lunar year.
Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes obligatory, traditionally set at the value of 87.48 grams of gold or 612.36 grams of silver. Many scholars recommend using the lower (silver) value, which makes more people eligible to give.
Eligible assets typically include cash and bank balances, gold and silver, stocks and investments held for growth, and business inventory. Personal-use items like your primary home, car, and household goods are generally excluded.
Check your overall net worth with the Net Worth Calculator, or estimate savings growth with the Compound Interest Calculator.
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