Zakat Calculator

Zakat Calculator

Zakat is 2.5% of the wealth you have held for a lunar year, once it reaches the nisab. Enter what you own below, gold and silver by weight. The result shows each step, the nisab and the prices used.

Gold you own
Any form: jewellery, coins, bars.
Silver you own
Any form: jewellery, coins, bars.
Prices and method

No sign-up and no donation ask. Your figures stay in this browser.

Your zakat
0

How it was worked out

Prices: gold-api.com. Rates By Exchange Rate API. An estimate, not a fatwa: ask a scholar about your own situation.

Zakat: 0

How the zakat calculator works

Zakat is worked out in four steps: add up what you own, take off what you owe, check the balance against the nisab, and pay 2.5% of it. The calculator follows the same four steps and shows every line, so you can check the arithmetic yourself or take it to a scholar.

Enter amounts in your own currency. The currency is guessed from your time zone and you can change it. Gold and silver go in by weight, in grams, tola or troy ounces, and the calculator prices them at today's rate. If your local jeweller quotes a different price, open Prices and method and type your own.

What counts towards zakat

Zakat is due on cash in every account and at home, gold and silver in any form, shares and funds, the zakatable part of a pension, crypto, business stock and cash, and money owed to you that you expect to get back. Things you bought for personal use, such as your home and car, are not counted, apart from gold, silver and cash. Livestock and farm produce follow their own rules and are not covered here; for those, ask a local imam.

Shares can be counted at full value, or with the National Zakat Foundation's shortcut for long-term holdings: 25% of the market value, then 2.5% of that. The shortcut stands in for the companies' own zakatable assets, which are hard to look up.

Guides: gold, silver, cash, savings and crypto, shares and funds, pensions, business assets. Today's threshold: nisab today. How we work: sources and method.

The nisab: gold or silver

The nisab is the minimum wealth on which zakat is due. It was set as 20 gold dinars or 200 silver dirhams, and today it is measured by the price of that weight of gold or silver. Because silver is far cheaper, the silver nisab is much lower, so more people owe zakat under it. Zaytuna College calls silver the safer choice and treats both as valid.

Trusted bodies convert the old weights slightly differently. The National Zakat Foundation (UK) uses 87.48 g of gold or 612.36 g of silver, Zaytuna College (US) about 85 g or 595 g, and Diyanet (Turkey) 80.18 g or 561.2 g as cited from its handbook. The calculator picks one from your currency and names it under the result. You can switch it.

What you can take off

Following the National Zakat Foundation, you may deduct debts that must be paid within 12 months, up to 12 months of instalments on longer debts such as a mortgage or car finance, overdue bills, and money you owe for things already bought. You cannot deduct bills that are not yet due, debts not payable in the next year, or interest.

When to pay

Zakat is due once your wealth has stayed at or above the nisab for a full lunar year. The date you first reached the nisab becomes your zakat anniversary. Many people choose to pay in Ramadan, and paying early is allowed, but the amount should still reflect your wealth on your zakat date. In the Hanafi school, zakat is owed if you hold the nisab at the start and end of the year even if it dipped in between.

Your figures stay with you

There is no sign-up, no contact form and no donation request. The calculation runs in your browser, your entries are saved only on this device, and you can save them to a file for next year. The only data the page fetches is the public gold, silver and currency prices.

This calculator gives an estimate based on the published guidance named above. It is not a fatwa. For your own situation, ask a scholar you trust.

Frequently asked questions

How do I calculate my zakat?

Add up what you own that is zakatable (cash, gold, silver, shares, business assets, money you expect back), take off the debts you are allowed to deduct, check the balance reaches the nisab, then pay 2.5% of it. The calculator above does each step and shows the working.

Is zakat 2.5% of my savings?

It is 2.5% of your net zakatable wealth, not only savings, once that wealth reaches the nisab and you have held it for a lunar year. Below the nisab, no zakat is due.

How much zakat do I pay on $10,000?

If $10,000 is your whole net zakatable wealth, it is above the nisab and you have held it for a lunar year, the zakat is 2.5%, which is $250.

What is the zakat rate for 2026?

The rate does not change from year to year: it is 2.5%. What changes is the nisab, because it follows the price of gold and silver.

Should I use the gold or the silver nisab?

Both are valid. Zaytuna College describes the silver standard as the safer approach. Silver gives a much lower threshold, so more people owe zakat under it.

Why do zakat calculators give different nisab amounts?

Scholarly bodies use different weights: the National Zakat Foundation uses 87.48 g of gold and 612.36 g of silver, Zaytuna College about 85 g and 595 g, and Diyanet in Turkey 80.18 g and 561.2 g (as cited from its handbook). Prices also differ. This calculator shows which weights and price it used.

Is gold jewellery zakatable?

It depends on your school. According to the National Zakat Foundation, the Hanafi school counts all gold and silver jewellery, worn or stored, at its resale value, while the other schools do not count gold and silver jewellery worn for personal use. Jewellery kept as savings or for sale is zakatable. If unsure, ask a scholar you trust.

Can I deduct my debts, such as a mortgage or car loan?

The National Zakat Foundation allows debts due within the next 12 months and up to 12 months of instalments on longer debts, but never interest. It adds that this is ideally done only when paying zakat would stop you affording the repayments.

Do I pay zakat on my pension?

Defined-benefit (final salary) pensions are not zakatable according to the National Zakat Foundation, which works out other pensions from the fund's zakatable assets. Zaytuna College counts retirement funds after estimated tax and any early-withdrawal penalty.

Do you store or see my figures?

No. The calculation runs in your browser and your figures are saved only in this browser. There is no sign-up and no donation request.