Zakat Calculator
Calculate the zakat due on your savings, gold, silver and investments at 2.5%, using the gold or silver nisab and today’s metal prices.
Results
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Zakat due
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Net zakatable wealth
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Nisab threshold
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Status
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Your wealth against the nisab
Breakdown
How it's worked out
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How to use the zakat calculator
- Choose your currency and the nisab standard you follow, gold or silver.
- Enter today’s price of gold and silver. Prices can be per gram, per tola or per troy ounce.
- Enter what you own: cash and bank balances, gold and silver by weight and purity, investments, business stock and money owed to you.
- Enter debts and bills that are due now.
- Read the zakat due. If your wealth is below the nisab, no zakat is due this year.
How zakat is calculated
This calculator follows the widely used method for zakat on wealth:
- Value your gold and silver by their pure metal content. 20 grams of 22 karat gold contains 20 × 22 ÷ 24 = 18.33 grams of pure gold.
- Add up zakatable wealth: cash, gold, silver, investments, business stock and receivable loans.
- Subtract debts that are due now.
- Compare with the nisab: 87.48 g × gold price, or 612.36 g × silver price, depending on the standard you choose.
- Zakat = 2.5% of net wealth if it is at or above the nisab (the same as dividing by 40).
Zakat is due only when this wealth has been held for a full lunar year. Livestock, crops, minerals and some types of business or retirement assets follow their own rules and are not covered here.
Worked example
Aisha has $10,000 in the bank, 20 grams of 22 karat gold and a $1,000 bill due. Gold is $100 per gram and silver $1.25 per gram, and she uses the silver nisab.
- Gold: 20 g × 22 ÷ 24 × $100 = $1,833.33.
- Net wealth: $10,000 + $1,833.33 − $1,000 = $10,833.33.
- Silver nisab: 612.36 g × $1.25 = $765.45. Her wealth is above it.
- Zakat: $10,833.33 × 2.5% = $270.83.
With the gold nisab (87.48 g × $100 = $8,748) she would also pay $270.83, because her wealth is above both thresholds. The choice of nisab only changes the result for people whose wealth falls between the two.
Nisab weights
| Standard | Grams | Tola | Troy ounces |
|---|---|---|---|
| Gold nisab | 87.48 g | 7.5 tola | 2.81 oz t |
| Silver nisab | 612.36 g | 52.5 tola | 19.69 oz t |
One tola is 11.664 grams and one troy ounce is 31.103 grams, the units used for gold prices in South Asia and on world markets.
Frequently asked questions
What is the nisab for zakat?
The nisab is the minimum amount of wealth a Muslim must own, for a full lunar year, before zakat is due. It is set by weight: 87.48 grams of gold or 612.36 grams of silver. Its value in money changes with the price of gold and silver, so enter today’s price per gram to find the current nisab.
Should I use the gold or silver nisab?
Both are recognized by scholars. The silver nisab is much lower, so more people become liable to pay and more zakat reaches those in need; many scholars and zakat organizations recommend it, especially for mixed wealth. Others use the gold nisab. If you are unsure which applies to you, ask a qualified scholar.
How is zakat calculated?
Add up your zakatable wealth (cash, gold, silver, investments, business stock and money owed to you that you expect to be repaid), subtract debts that are due now, and compare the result with the nisab. If it is equal to or above the nisab, zakat is 2.5% of the net amount, which is the same as dividing it by 40.
Is zakat due on jewelry I wear?
Scholars differ. The Hanafi school holds that zakat is due on gold and silver jewelry, while many scholars of the Maliki, Shafi’i and Hanbali schools hold that jewelry kept for normal personal use is exempt. Include your jewelry in the gold and silver boxes if your school or scholar considers it zakatable.
When is zakat due?
Zakat becomes due when your wealth has stayed at or above the nisab for one full lunar (Hijri) year, which is about 354 days. Many people choose a fixed date each year, often in Ramadan, to calculate and pay it. Our Hijri date converter can help you track the date.