Zakat calculator with nisab, debts, and a full breakdown
Enter your assets, choose your nisab method (gold or silver), subtract eligible debts, and get a clean result you can repeat every year. This calculator is built to handle real scenarios across cash and savings, gold, stocks and investments, crypto, trading accounts, salary and irregular income, business inventory, loans given, pensions and retirement savings, and property or rental income. Use the linked guides when you have edge cases so you stay consistent and do not miss categories.
Educational estimate. For detailed rulings (jewellery, debts, retirement funds, business inventory, and complex structures), consult a qualified scholar and follow one consistent method.
Inputs
Your inputs
Fill what you own, then add debts due soon. Grams stay grams when changing currency.
Cash and savings
Gold and silver
Use live gold and silver prices
Fetches spot prices in USD and converts to USD using live FX. You can edit manually anytime.
Debts and liabilities
Many methods deduct debts due soon. Long-term debts are often treated differently. Stay consistent with one trusted approach.
Read the debt guideScenarios (optional)
Money owed to you
Loans given, receivables, or money you realistically expect to receive.
Receivables guideTrading account equity
If you use a snapshot method, enter current equity on your Zakat date.
Trading guideRetirement or pension
Method dependent. Only include the zakatable portion you follow.
Retirement guideRental or income cash kept
Cash retained on the Zakat date (not the property value).
Property and rent guideResult
Your Zakat summary
Set currency, choose nisab method, then review totals and the breakdown.
Provider: Not loaded
Silver nisab is usually a lower threshold, which can make more people eligible.
Nisab not set
Enter the gold price per gram, or enable live metals.
Tip: swipe sideways inside the table to view the full breakdown.
| Category | Amount | Included |
|---|---|---|
| Cash and bank balances | $0.00 | Not included |
| Gold (value) | $0.00 | Not included |
| Silver (value) | $0.00 | Not included |
| Business assets and inventory | $0.00 | Not included |
| Investments (stocks/funds) | $0.00 | Not included |
| Crypto | $0.00 | Not included |
| Money owed to you (receivables) | $0.00 | Not included |
| Trading account equity | $0.00 | Not included |
| Retirement or pension (zakatable portion) | $0.00 | Not included |
| Rental or income cash kept on hand | $0.00 | Not included |
| Other liquid assets | $0.00 | Not included |
| Debts due soon | $0.00 | Not included |
| Long-term debts | $0.00 | Not included |
| Total assets | $0.00 | Included |
| Net zakatable wealth | $0.00 | Included |
| Nisab threshold (gold) | $0.00 | Included |
| Zakat due (2.5%) | $0.00 | Included |
Want help for edge cases
Use the guides to stay consistent with one trusted method for debts, nisab, gold, investments, crypto, business, and special cases.
Educational estimate. For personal rulings, consult a qualified scholar.
Zakat Report
Detailed Calculation Summary
3 February 2026
Assessment Date
Total Zakat Due
Not available
Nisab Method: GOLD
USD Assessment
Asset Breakdown
| Total Gross Assets | $0.00 |
Liabilities & Deductions
| Debts Due Soon (Deducted) | -$0.00 |
| Long-term Debts (Informational) | $0.00 |
| Net Zakatable Wealth | $0.00 |
Disclaimer
This report is a mathematical estimate based on provided values. Zakat is a spiritual obligation; for complex financial situations or specific legal rulings (fiqh), please consult with a qualified local scholar.
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Fulfillment
What to do with your result
Once you have your final Zakat amount, follow these steps to complete your obligation.
Immediate Payment
It is best practice to distribute Zakat as soon as it becomes due to ensure the needs of the poor are met without delay.
Log the Date
Make a note of today's date in the Hijri calendar. This will be your official "Hawl" anniversary for next year.
Record Keeping
Download or print your calculation summary. Keeping records helps maintain consistency in your annual calculations.
Nisab
Gold vs silver nisab
Two thresholds are widely used. Choose one consistent method with trusted guidance and stick to it each year.
Gold nisab
Higher threshold in most currencies. Fewer people become eligible.
Often chosen as a higher threshold approach, depending on context.
Silver nisab
Lower threshold in most currencies. More people become eligible.
Common in Hanafi fiqh and used by those who prefer broader eligibility.
Important note
Scholars differ on which nisab is best in modern contexts. Many people choose gold, others choose silver. What matters most is that you follow a trusted opinion and stay consistent year to year.
Examples
Example scenarios
Use these to sanity check your inputs. Illustrative only, not personal guidance.
Example A
Mostly cash with a small near term debt
This example assumes you meet nisab and uses 2.5% of net zakatable wealth.
Example B
Cash plus gold valuation
If eligible, zakat would be 2.5% of the net amount (example only).
Example C
Investments plus crypto snapshot
Value investments and crypto on your zakat date using a reasonable snapshot value.
Example D
Business assets included
Business treatment can vary by method. Keep one consistent approach each year.
Tip to make next year easy
Save one short note on your zakat date: totals, nisab method, and amount paid. That single habit makes your next calculation dramatically faster.
Clarity
Nisab, in one clean explanation
Nisab is the minimum wealth threshold that makes Zakat obligatory. Most people use either gold nisab or silver nisab.
Gold nisab
Often a higher threshold. Fewer people become eligible, which some choose to avoid hardship depending on context.
Silver nisab
Often a lower threshold. More people become eligible, which some choose to be cautious and to increase benefit.
Best practice
Choose a method with trusted guidance and stay consistent year to year. Consistency is what keeps your calculation clean.
Related guides
Explore more zakat guides
Continue with the most relevant topics to complete your Zakat understanding.
FAQ
Frequently asked questions
Short, clear answers that prevent mistakes and confusion.
How much zakat do I have to pay?▼
Zakat is commonly calculated at 2.5% of your net zakatable wealth if you meet or exceed the nisab threshold and other conditions apply.
Do I pay zakat on salary or income?▼
Zakat is generally not paid directly on salary at the time of earning. However, savings from income that remain for a lunar year and meet nisab may become zakatable.
Do I need to pay zakat on cash and savings?▼
Many approaches treat cash, bank balances, and savings as fully zakatable if they meet the nisab threshold and have been held for one lunar year.
Is zakat due on gold and silver?▼
Zakat is commonly due on gold and silver if their total value meets or exceeds the nisab threshold and other conditions are fulfilled. Views may differ regarding personal-use jewelry.
Which nisab method should I use?▼
Scholars differ on whether gold or silver nisab should be used in modern contexts. Many calculators default to gold, while others prefer silver. You should follow the method you trust or consult a qualified scholar.
Do I need to pay zakat if my wealth is below nisab?▼
If your net zakatable wealth is below the applicable nisab threshold, zakat is generally not obligatory according to most scholarly opinions.
Is zakat applicable on business assets?▼
Many approaches include zakat on business inventory, trade goods, and receivables at the standard zakat rate, if nisab and other conditions are met.
Do I need to pay zakat on investments or stocks?▼
Many contemporary approaches consider zakat due on liquid investments and shares, depending on their nature and intention. Treatment may vary based on scholarly interpretation.
Is zakat due on cryptocurrency?▼
Many contemporary scholars consider cryptocurrency zakatable if it is held as wealth or investment and nisab is met. Opinions may differ due to the evolving nature of digital assets.
Can I deduct debts when calculating zakat?▼
Commonly, short-term debts that are due soon may be deducted from zakatable wealth. Opinions vary regarding long-term debts, so personal guidance may be helpful.
Do I need to pay zakat every year?▼
Zakat is generally assessed annually once a lunar year (hawl) has passed over wealth that meets or exceeds the nisab threshold.
Can zakat be paid in installments?▼
Some scholars allow zakat to be paid in installments as long as the full amount is paid within a reasonable time. Practices may vary.
What is the difference between zakat and tax?▼
Zakat is a religious obligation with specific rules and recipients, while taxes are imposed by governments. Paying tax does not usually replace the obligation of zakat.
Who is eligible to receive zakat?▼
The Qur’an specifies categories of people eligible to receive zakat, including the poor, the needy, and others. Distribution rules may vary by interpretation and local practice.
What is the difference between gold nisab and silver nisab?▼
Gold nisab is based on approximately 87.48 grams of gold, while silver nisab is based on approximately 612.36 grams of silver. Silver nisab usually results in a lower threshold, making more people eligible.
About this Content
Written by the Zakat Finance editorial team. All content is based on authentic Islamic scholarship and is reviewed regularly to ensure accuracy. The content aims to provide guidance on Zakat calculation and does not replace advice from a qualified Islamic scholar.
Last updated: February 2026
Method note: We present common scholarly approaches to Zakat calculation, encouraging consultation with trusted scholars for personal cases.