Zakat Calculator 2026
Calculate your Zakat obligation accurately with our comprehensive Islamic calculator. Supports all currencies, automatic Nisab tracking, and detailed asset breakdown. Based on authentic Islamic guidelines with live gold/silver prices.
Current Nisab Threshold
$0.00
$0.00
Gold/gram
$0.00
Silver/gram
Based on 85g gold or 595g silver (whichever is lower)
Calculate Your Zakat
Enter your assets below to calculate Zakat due (2.5% of eligible wealth)
Cash & Bank Accounts
Cash at home, savings, checking accounts
Subtotal
0.00
Gold & Silver
Jewelry, coins, bars (enter weight in grams)
Subtotal
0.00
Current: --/gram
Current: --/gram
Note: Only gold/silver held as investment is Zakatable. Personal jewelry regularly worn may be exempt (check with scholar).
Investments & Stocks
Stocks, mutual funds, bonds, crypto, retirement accounts
Subtotal
0.00
Business Assets
Trade goods, inventory, receivables, cash
Subtotal
0.00
Other Assets
Loans given out, rental income, other liquid assets
Subtotal
0.00
Debts & Liabilities
Immediate debts due within the year (optional deduction)
Total
0.00
What is Zakat?
Zakat is one of the Five Pillars of Islam. It is an obligatory charity that purifies wealth and helps those in need. Muslims who possess wealth above the Nisab threshold for one lunar year must pay 2.5% annually.
Obligation: Fard (compulsory) on every eligible Muslim
Rate: 2.5% of qualifying wealth annually
Threshold: Nisab (equivalent to 85g gold)
Duration: After possessing for one lunar year
Who Receives Zakat?
The Quran specifies 8 categories of people eligible to receive Zakat (Surah At-Tawbah 9:60):
Al-Fuqara: The poor
Al-Masakin: The needy
Al-Amileen: Zakat administrators
Al-Muallafatu Quloobuhum: New Muslims
Ar-Riqab: Freeing captives
Al-Gharimeen: Those in debt
Fi Sabilillah: In the cause of Allah
Ibnus-Sabeel: Stranded traveler
Authentic Hadith on Zakat
"Whoever is made wealthy by Allah and does not pay the Zakat of his wealth, then on the Day of Resurrection his wealth will be made like a baldheaded poisonous male snake with two black spots over the eyes..."
— Sahih Bukhari 1403
"The upper hand (the one that gives) is better than the lower hand (the one that receives). Begin with those who are your dependents."
— Sahih Bukhari & Muslim
Frequently Asked Questions
When is Zakat obligatory on me?
Zakat becomes obligatory when you possess wealth above the Nisab threshold (equivalent to 85 grams of gold or 595 grams of silver) for one complete lunar year (Hawl). You must be a Muslim, of sound mind, and have reached puberty.
Do I pay Zakat on my house or car?
No. Personal assets used for daily living (primary residence, personal car, furniture, clothing) are exempt from Zakat. However, rental properties, investment properties, and business vehicles may be Zakatable. Consult a qualified scholar for specific cases.
Can I deduct my mortgage from Zakatable wealth?
This is a matter of scholarly difference. Some scholars allow deducting immediate debts due within the year. Long-term debts like mortgages may not be deductible according to most opinions. Consult a qualified Islamic scholar for your specific situation.
Is Zakat due on my 401k or retirement account?
According to majority opinion, Zakat is due on accessible retirement funds. For locked funds with penalties for early withdrawal, scholars differ. Some say no Zakat until withdrawal, others say annual Zakat. Consult a scholar familiar with your specific retirement account type.
Do I pay Zakat on jewelry I wear regularly?
This depends on the scholarly opinion followed. Hanafi school requires Zakat on all gold/silver jewelry. Other schools (Maliki, Shafi'i, Hanbali) exempt jewelry worn for personal adornment. Investment jewelry and unused pieces are Zakatable according to all schools.