Figure out your Zakat, properly.
Zakat Finance is the complete resource for calculating and understanding your Zakat obligation. In-depth guides for every asset type and ruling, a calculator that handles gold, silver, cash, investments and debts, and every nisab standard traced back to Quran and authentic Hadith with sources you can verify.
Full breakdown
Total assets, debts, nisab threshold, and your final amount. All in one place.
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Guide for every asset
Gold, cash, stocks, crypto, salary, business. Each asset type has its own complete guide.
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Evidence-first
Every ruling traced to Quran and authentic Hadith. Sources linked throughout.
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Why Zakat Finance
Built for Muslims who want to get it right
Not a generic calculator. Every guide is grounded in real fiqh, madhahib differences, and evidence you can verify.
20+
In-depth guides
From cash and gold to crypto, pensions, and business stock. Every asset type covered.
4
Madhahib covered
Hanafi, Maliki, Shafi'i, and Hanbali positions compared on every contested ruling.
2
Nisab standards
Gold and silver nisab both explained with current prices and full scholarly reasoning.
100%
Evidence-first
Every ruling traced to Quran and authentic Hadith. Sources linked and visible throughout.
Quick estimate
How much Zakat do you owe?
Enter your main assets for a rough figure in seconds. Use the full calculator for an exact breakdown.
Quick estimate
Get a rough Zakat figure in seconds
USD only. Does not include crypto, business stock, pensions, or debt deductions. Use the full calculator for an accurate result.
Educational estimates only. For personal rulings on jewellery, pensions, and business assets, consult a qualified scholar.
Find your guides
What do you own?
Select what applies to you and we will show the guides that are actually relevant.
Select what you own above and we will show the guides most useful for your situation.
Guides
Every guide you need, organised
20+ guides grouped by topic. Start with what is relevant, go deeper as needed.
What is Zakat
The third pillar: what it means, who it is for, and why it is obligatory.
Who Receives Zakat
The eight Quranic categories and how to identify eligible recipients.
What is Nisab
The minimum threshold. Gold vs silver, and how to check if you are above it.
When to Pay Zakat
Hawl in plain terms. Choose your date and understand the lunar year cycle.
How to Distribute
All eight categories explained, with guidance on local vs overseas recipients.
Calculation Examples
Worked examples with real numbers for different asset combinations.
Cash and Savings
Bank accounts, fixed deposits, and how hawl applies to your balance.
Gold
Jewellery, bars, coins. What is zakatable and how to value it.
Silver
Silver nisab is lower than gold. How silver wealth is calculated.
Investments and Stocks
Shares, ETFs, funds. Market value on your Zakat date.
Salary and Income
How income interacts with your annual zakatable wealth.
Cryptocurrency
Bitcoin, ETH, stablecoins. Value on your Zakat date at market price.
Does Debt Reduce Zakat
The core ruling. Immediate debt vs installment debt, clearly explained.
Car Loan
Auto loans are installment debt. The majority position explained.
Mortgage
Home loans and how the four schools treat long-term debt.
Student Loans
Deferred loans and how scholars treat future obligations.
Personal Loan
Short-term and long-term personal debt treatment for Zakat.
Business Debt
Liabilities on a business balance sheet and what reduces business Zakat.
Calculators
Calculate for your country
The main calculator works for everyone. Country pages add local context and currency.
Main Zakat Calculator
CalculatorFull breakdown: assets, eligible debts, nisab (gold or silver), and Zakat due.
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USA
USDUS context: brokerage accounts, credit cards, and retirement account notes.
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UK
GBPUK context: ISAs, pension notes, and common questions for UK Muslims.
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UAE
AEDUAE context: gold jewellery, souq pricing, remittances, and salary.
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Recommended path
Read the guides first
Understand what counts for your specific assets.
Then run the calculator
Get your exact amount with a full breakdown.
How it works
The Zakat calculation in three steps
This is how most people structure their annual Zakat. Simple, consistent, and repeatable.
Pick your Zakat date
Choose a fixed Hijri date and stick to it every year. Most people use the start of Ramadan or their nisab anniversary.
Learn about hawl →Snapshot your wealth
Total everything zakatable on that date: cash, gold, silver, investments, crypto, and business stock held for trade.
Browse asset guides →Apply nisab, pay 2.5%
Above nisab for a full lunar year? Pay 2.5% of the total. Subtract eligible immediate debts first if you follow that position.
Understand nisab →Pick your Zakat date
Choose a fixed Hijri date and stick to it every year. Most people use the start of Ramadan or their nisab anniversary.
Learn about hawl →Snapshot your wealth
Total everything zakatable on that date: cash, gold, silver, investments, crypto, and business stock held for trade.
Browse asset guides →Apply nisab, pay 2.5%
Above nisab for a full lunar year? Pay 2.5% of the total. Subtract eligible immediate debts first if you follow that position.
Understand nisab →Live thresholds
Current nisab values
Updated every 12 hours from live gold and silver market prices.
Gold nisab
87.48 grams of gold
The higher threshold. Most contemporary scholars recommend gold nisab as the safer, more conservative standard.
Silver nisab
612.36 grams of silver
The lower threshold. More Muslims are obligated when using silver. The Hanafi school traditionally uses silver nisab.
Not sure which to use? Read the nisab guide for a full comparison of both standards.
Timing and obligation
Track your Zakat due date
Enter when you last paid (or when you first reached nisab) to see where you are in your lunar year.
The Hawl is the completion of one lunar year of ownership.
Lunar Year Status
Waiting for Date...
Secure & Private
Paying Zakat in Ramadan?
Many Muslims use Ramadan as their annual Zakat date for increased reward. You can pay early once you have reached nisab.
Sending Zakat abroad
Make sure it actually arrives in full
Exchange rate margins and hidden transfer fees eat into what you send. Once you know your Zakat amount, transfer it without losing a chunk on the way.
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Evidence
Grounded in Quran and authentic Hadith
Zakat is an act of worship. We keep the original sources visible and easy to understand.
The eight categories of Zakat recipients
Quran 9:60
Defines who can receive Zakat. Central to understanding where your Zakat should go and what it is actually for.
Zakat purifies wealth and the giver
Quran 9:103
The spiritual side of Zakat: it purifies both the wealth and the heart of the person who gives it.
Establish prayer and give Zakat
Quran 2:43
Zakat is paired with prayer throughout the Quran, showing it is a core act of worship, not just a financial obligation.
Warning for those who hoard wealth
Quran 9:34
A direct warning for those who accumulate gold and silver without paying what is due. The accountability side of Zakat.
Islam is built on five pillars including Zakat
Sahih al-Bukhari 8
Places Zakat firmly as one of the five pillars of Islam alongside prayer, fasting, and Hajj.
Warning against withholding Zakat on gold and silver
Sahih Muslim 987a
Details the serious consequences of not paying Zakat. Emphasises how seriously the obligation is treated.
Zakat on wealth held for one complete year
Sunan al-Tirmidhi 631
The basis for the hawl requirement. Zakat is due on wealth in your possession for a complete lunar year above nisab.
Charity does not decrease wealth
Sahih Muslim 2588
The Prophet taught that giving in charity brings blessing. Paying Zakat will not make you poorer through Allah's blessing.
Common questions
Things people ask before they calculate
Quick answers to the questions that come up most often.
You are ready
You understand the rulings. Now get your exact number.
The calculator walks you through every asset category, applies the right nisab standard, handles debt deductions, and gives you a clean final amount with a full breakdown you can save and repeat every year.
Send Zakat securely
Transfer Zakat in your preferred currency
If you're sending Zakat to eligible recipients abroad, choosing the right currency and transparent fees can help ensure more reaches those in need. Select your currency below to begin.
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