Zakat Calculator 2026
Zakat Calculator 2026
Calculate your obligatory Zakat on gold, silver, cash, savings, and trade goods — based on live Nisab thresholds. Free, private, no account needed.
What Is Zakat?
Zakat (Arabic: زكاة, meaning "purification" or "growth") is the third Pillar of Islam — an obligatory annual almsgiving paid by every Muslim whose wealth exceeds the Nisab threshold and has been held for a full lunar year (Hawl). The standard Zakat rate is 2.5% of total net zakatable wealth.
Unlike voluntary charity (Sadaqah), Zakat is a precisely calculated religious duty. It is distributed to eight categories of recipients specified in the Quran (Surah At-Tawbah, 9:60), including the poor, the needy, debtors, and travellers in hardship.
What Assets Are Zakatable?
- Cash & bank savings — any money held for a full Hawl year
- Gold — raw, jewellery, or coins above the 85 g Nisab
- Silver — raw or minted above the 595 g Nisab
- Investments & stocks — current market value of shares and funds
- Business inventory — stock held for trade at market value
- Agricultural produce, livestock — separate rules apply
Outstanding debts and immediate liabilities are subtracted before calculating. Property used for personal residence is generally exempt.
How to Use This Calculator
Enter the current gold and silver price per gram in your currency (defaults are pre-filled but editable). Then enter each asset category and any debts. The calculator shows your net zakatable wealth, the Nisab threshold, and your exact Zakat due.
Live Metal Prices (editable)
Your Zakatable Assets
Your Zakat Summary
Nisab thresholds: 85 g gold or 595 g silver (lower value used). Rate: 2.5% of net zakatable wealth. Consult a qualified Islamic scholar for your specific circumstances.
Zakat Calculator FAQ
Common questions about calculating and paying Zakat.
What is the Nisab threshold for Zakat in 2026?
The Nisab equals 85 g of gold or 595 g of silver. The exact threshold changes with live metal prices. Most contemporary scholars use the silver Nisab (lower), which makes the obligation applicable to more Muslims.
What is Hawl in Zakat?
Hawl is the condition that zakatable wealth must have been held (above the Nisab) for a complete lunar year (354 days) before Zakat is due. New money acquired during the year is added to your total — you do not start a new Hawl for incremental savings.
Is Zakat paid on money in a savings account?
Yes. Bank savings, fixed deposits, and cash balances held above the Nisab for one Hawl year are subject to Zakat at the 2.5% rate. Include all balances in the Cash & Bank Savings field above.
Do I pay Zakat on my house or car?
Personal-use assets — your primary home, vehicle, furniture, and clothing — are not zakatable. Only assets held for trade, investment, or income generation are included.
Who can receive Zakat?
The Quran (9:60) specifies eight categories: the poor (Fuqara), those in need (Masakeen), Zakat administrators, those whose hearts are to be reconciled, to free slaves, debtors, in the cause of Allah (Fi Sabilillah), and stranded travellers (Ibn As-Sabeel).
Sources & Further Reading
- Quran 9:60 — Eight categories of Zakat recipients.
- Al-Qaradawi, Y. (1999). Fiqh Az-Zakat: A Comparative Study. Dar Al Taqwa.
- Islamic Relief Worldwide — Nisab threshold guidance (updated annually).
- AAOIFI — Accounting and Auditing Organisation for Islamic Financial Institutions, Zakat standards.