Zakat Calculator

Calculate your Zakat accurately on cash, gold, silver, business assets, investments and crypto. Set the Nisab using live gold or silver prices, deduct debts, and get your exact 2.5% Zakat due, free, private, and no signup.

Built and maintained by Shehzad Munir ·

A calculation aid, not a religious ruling (fatwa). Methods differ between schools of thought, so confirm amounts and timings with a qualified scholar or your local mosque.

Zakat Calculator
Loading Zakat Calculator
Share

What is Zakat and who has to pay it?

Work out exactly how much Zakat you owe in seconds. This calculator adds up your cash, gold, silver, business inventory, receivables, shares and crypto, subtracts your immediate debts, compares your net wealth against the Nisab threshold (gold or silver standard) and applies the 2.5% rate: all in your browser, with nothing stored or uploaded. Choose your own currency and edit the metal prices so the Nisab reflects today's market.

Zakat is the third pillar of Islam, an obligatory annual charity of 2.5% on qualifying wealth that has been held for one lunar year (a Haul). Every adult Muslim whose net zakatable assets exceed the Nisab threshold must pay it. Zakat purifies wealth and redistributes it to eight categories of recipients named in the Qur'an, including the poor, the needy and those in debt. This calculator handles the arithmetic so you can focus on giving accurately and on time.

Features

  • Nisab set on gold (87.48 g) or silver (612.36 g) with editable per-gram prices for today's market
  • Full asset coverage: cash in hand and bank, gold, silver, business merchandise, money owed to you, shares/funds and crypto
  • Deducts short-term debts and due bills to zakat your true net wealth
  • Applies the correct 2.5% (lunar) or 2.577% (solar Haul) Zakat rate
  • Tells you instantly whether your wealth reaches Nisab and Zakat is obligatory
  • Live asset-composition breakdown chart and per-category Zakat split
  • Any currency (USD, GBP, PKR, INR, AED, SAR, MYR, IDR, BDT and more)
  • 100% private: every calculation runs locally, no data leaves your device

How to use Zakat Calculator

  1. 1

    Choose your currency and Nisab standard

    Pick your currency, then select the Nisab standard, silver (recommended, benefits more of the poor) or gold. Adjust the per-gram gold and silver prices to today's market if needed.

  2. 2

    Enter your assets

    Add your cash (hand + bank), the value or grams of gold and silver you hold, business inventory, money owed to you, investments/shares and any crypto.

  3. 3

    Subtract your liabilities

    Enter short-term debts, unpaid bills and money you owe that is due now. These are deducted from your zakatable wealth.

  4. 4

    Read your result

    The calculator shows your net zakatable wealth, whether it meets Nisab, and your exact Zakat due at 2.5%. Copy or print the breakdown for your records.

Common use cases

  • Muslims calculating their annual Zakat al-Mal at the end of their lunar (Haul) year
  • Working out whether savings, gold jewellery and investments together reach the Nisab threshold
  • Business owners computing Zakat on trade goods, cash and receivables
  • Comparing the gold vs silver Nisab standard to see if Zakat becomes obligatory

Detailed guide

How the Nisab threshold works (gold vs silver)

Nisab is the minimum wealth you must hold before Zakat becomes due. It is fixed to the value of 87.48 grams of gold or 612.36 grams of silver. Because silver is far cheaper per gram, the silver Nisab is a much lower monetary threshold, so choosing the silver standard means more people qualify to pay and, in turn, more is given to the poor. Many scholars recommend the silver Nisab for exactly this reason. Enter or update the current price per gram and the calculator converts it into your local currency automatically.

Which assets are zakatable?

You pay Zakat on liquid and growth wealth: cash in hand and in the bank, the market value of gold and silver, business inventory and merchandise held for sale, money others owe you that you expect to recover, shares, funds and cryptocurrency held as investments. You then subtract immediate liabilities, short-term debts, overdue bills and this month's obligations. Personal-use items are exempt: your home, car, furniture, and clothing are not zakatable, though gold and silver jewellery is treated as zakatable wealth by most scholars.

How your Zakat is calculated

The formula is simple: add every zakatable asset, subtract your deductible debts to get net zakatable wealth, and if that net figure is at or above the Nisab, multiply it by 2.5%. If you follow the solar (Gregorian) year instead of the lunar year, a slightly higher rate of 2.577% is used to account for the 11-day difference. This tool applies the right rate for you and shows a full breakdown so you can verify every line before you give.

Why calculate Zakat online with ToolNova

Manual Zakat calculations are easy to get wrong, mixing up the Nisab standard, forgetting receivables, or applying the wrong rate. This calculator is fast, transparent and completely private: nothing you enter is uploaded or stored, so your financial details never leave your device. It works for every currency and updates instantly as you type, making it ideal during Ramadan when many Muslims choose to pay their Zakat.

Work out inheritance shares with the Islamic inheritance (Faraid) calculator

Frequently asked questions

How do I calculate my Zakat?

Add up all your zakatable assets, cash, gold, silver, business stock, money owed to you, investments and crypto, then subtract your immediate debts. If the net amount is above the Nisab threshold, you pay 2.5% of it as Zakat. This calculator does every step for you instantly.

What is the Nisab for Zakat in 2026?

Nisab is the value of 87.48 grams of gold or 612.36 grams of silver. The exact figure in your currency depends on the current metal price, which changes daily, this calculator lets you enter today's per-gram price so your Nisab is always up to date. The silver Nisab gives a lower threshold and is recommended by many scholars.

Should I use the gold or silver Nisab?

Both are valid. The silver Nisab is a lower monetary threshold, so more people become liable and more reaches the poor, many scholars therefore recommend it. The gold Nisab is higher. This tool lets you switch between them and see the difference immediately.

Do I pay Zakat on gold jewellery?

Most scholars hold that gold and silver jewellery is zakatable at its current market value, even if worn. Enter the weight in grams or the total value and the calculator includes it in your zakatable wealth.

Is Zakat 2.5% or 2.5 percent of everything I own?

Zakat is 2.5% of your net zakatable wealth, not everything you own. Personal-use items like your home, car and furniture are exempt. Only savings, gold, silver, business assets, receivables and investments count, minus your short-term debts.

Do I pay Zakat on crypto and shares?

Yes. Cryptocurrency and shares held as investments are zakatable at their current market value on your Zakat due date. For shares held for long-term dividends, some scholars zakat only the zakatable portion of the company's assets, but the common approach is to zakat the full market value, this calculator uses market value.

Is my financial data safe in this calculator?

Completely. Every calculation runs locally in your browser. Nothing you enter is uploaded, logged or stored on any server, your Zakat figures never leave your device.

When is Zakat due?

Zakat is due once per lunar year (a Haul) from the day your wealth first reached the Nisab, provided it stays above Nisab across the year. Many Muslims choose to pay during Ramadan for the extra reward. If you calculate on the solar calendar, use the 2.577% rate option to account for the shorter lunar year.

How much zakat do I pay on my savings?

Zakat is 2.5% of your net zakatable wealth (cash, gold, silver, investments and business assets, minus debts) once it stays above the nisab for a lunar year. On $10,000 of qualifying wealth that is $250. Enter your assets to get the exact figure.

What is the nisab threshold today?

Nisab is the minimum wealth before zakat is due, set at the value of 87.48 g of gold or 612.36 g of silver. The calculator uses live gold and silver prices so the nisab reflects today's market, and the silver-based nisab is the more cautious choice.

How do I calculate zakat on gold, cash and investments together?

Add the value of your cash, gold, silver, shares and business stock, subtract immediate debts, and if the total is above nisab, zakat is 2.5% of it. The calculator sums these categories and applies the rate for you.