Zakat calculator

This is arithmetic, not a ruling

The sum is simple: total what zakat is due on, take off what is deducted, and if the rest reaches nisab, 2.5% of it is due. What is hard is the judgements around it — which debts come off, how a rented property is treated, whether a committee payout counts yet. Scholars differ on several of them, and this page does not settle any of it. Where an answer depends on a position, it says so instead of quietly choosing one.

Why the nisab you choose matters so much

Nisab is 87.48 grams of gold or 612.36 grams of silver. Those weights have not changed. What has changed is the relationship between the two metals: silver has fallen so far against gold that the silver nisab is now worth a small fraction of the gold one.

The practical effect is large. On the silver nisab, many people with modest savings owe zakat. On the gold nisab, the same people owe nothing. Many scholars recommend silver for exactly that reason — it is the lower bar and more is given to those entitled to it. Others hold gold to be the appropriate measure today. This calculator shows what each one gives, and leaves the choice where it belongs.

What zakat is and is not due on

• Due: cash in hand and in the bank, gold and silver in any form, business stock at what you would sell it for, money owed to you that you expect back, shares and funds, and committee money you have received.
• Not due: the house you live in, your car, your furniture, your clothes, and the tools of your trade — things you use rather than hold as wealth.
• Depends: property bought to resell is generally trade goods; property held to rent out is a case where positions differ. A pension you cannot access yet is another. Ask rather than assume.

The lunar year

Zakat is due on wealth held for a full lunar year, which is about eleven days shorter than a solar one. Many people fix a date — often in Ramadan — and calculate on the same date each year, which is simpler than tracking each asset separately and is widely accepted.

Questions

How much is nisab?

Nisab is 87.48 grams of gold or 612.36 grams of silver. Those weights are fixed; what changes is what they are worth, which is why this calculator asks for today's rate per gram rather than using a stored one.

Should I use the gold or the silver nisab?

Scholars differ. Silver has fallen a long way against gold, so the silver nisab is now much lower in money terms and more people reach it — which is why many scholars recommend it, since it benefits recipients. Others hold that gold is the appropriate measure today. This calculator shows both so the difference is visible, and does not decide for you. If it matters to your situation, ask a scholar you trust.

How is zakat calculated?

Add up the assets zakat is due on — cash, bank balances, gold and silver, business stock at resale value, money owed to you that you expect back, and investments. Subtract debts and dues that are deductible. If what remains reaches nisab and has been held for a lunar year, 2.5% of it is due.

Is 2.5% always the rate?

For the wealth this calculator covers, yes — one fortieth. Agricultural produce and livestock are calculated differently and are not covered here.

Is zakat due on my house or my car?

Not on things you use — your home, your car, your furniture, the tools of your trade. Zakat is on wealth that grows or is held: cash, gold and silver, trade goods, and investments. Property bought to resell is generally treated as trade goods; property rented out is a case where opinions differ, so ask.

Why do I have to enter the gold rate myself?

Because a rate stored in a page is wrong the next day, and fetching one would mean this page making a network call — which it does not do, by design. You need today's rate to value your own gold in any case.

Are my figures sent anywhere?

No. What you own is nobody's business but yours. The calculation happens in your browser, the page makes no network request carrying any of it, and the figures are kept only in your own browser's local storage so you can come back to them. Clearing your browser data clears them.

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