Zakat Calculator

This Zakat calculator totals the wealth Zakat is charged on (cash, gold, silver, investments, business inventory at wholesale value, and money owed to you), subtracts debts due within the year, checks the result against the nisab threshold on the gold or silver standard you choose, and applies the 2.5% rate. The metal prices are yours to enter and date: the tool holds no price feed, so the nisab it shows is only as current as the per-gram prices you type in. A purity helper below the calculator converts jewellery weight and karat into pure-gold value first, which is where most home calculations quietly go wrong.

Quick Answer

How to use this Zakat calculator

Pick a nisab standard, enter today’s metal prices, then enter what you own and what you owe. The results stay hidden until you click Calculate.

1. Choose the nisab standard: gold (87.48 g) or silver (612.36 g). If you are unsure, run both and read the nisab section below before deciding; the two standards can give different answers on the same wealth.
2. Enter both metal prices per gram: use prices for the day you are calculating, in one currency throughout. Both prices are required even if you pick the gold standard, because the tool prices both thresholds from your inputs.
3. Enter what you own: cash and bank savings, gold and silver at market value (pure-metal value for jewellery; see the purity helper), investments, business inventory at wholesale value, and money owed to you.
4. Enter debts due within the year: short-term debts are subtracted in full. For a long-term loan, enter the portion falling due within the coming year if that is the method you follow.
5. Read the verdict, not just the amount: the results show total assets, net wealth, the nisab in money, whether the threshold is met, the Zakat due, and a progress bar showing how far above or below nisab you sit.

Two input behaviours are worth knowing before you rely on the result. Blank asset fields count as zero, and a negative entry is treated as zero rather than subtracted, so a typing slip cannot quietly shrink your wealth. If either metal price is blank or zero, the calculator stops with a message instead of inventing a price for you.

How the Zakat math works

Net zakatable wealth = cash + gold + silver + investments + business inventory + money owed to you, minus debts due within the year. Zakat is due at 2.5% of that net figure when it reaches the nisab and has been held for a lunar year.

The 2.5% rate is the agreed rate on money, gold, silver and trade goods, and the nisab and hawl conditions are the two gates in front of it: wealth below nisab is not charged, and wealth that has only just reached nisab is not charged until a lunar year has passed on it, a condition set out in the National Zakat Foundation Canada guidance on when Zakat has to be paid. The calculator checks the nisab gate for you. The hawl gate is a date only you know, so the result should be read as “this much, once your lunar year on this wealth is complete.”

One deliberate design point: every figure is in the single currency you choose, because all inputs carry the same $ label. If your accounts are in pounds, dirhams or rupees, enter everything in that currency and read the $ sign as your currency. Metal prices must be per gram in that same currency, which is why a price helper such as the gold price per ounce calculator is handy for converting an ounce quote before you start.

The nisab: gold standard, silver standard, and an honest note on the gram weights

Nisab is the minimum wealth that makes Zakat obligatory, set as the value of a fixed weight of pure gold or pure silver. Because silver is far cheaper per gram, the silver nisab is a much lower money threshold than the gold nisab.

The underlying measures are classical: 20 mithqal of gold and 200 dirhams of silver. Gram equivalents vary a little by the conversion a source uses. The UK National Zakat Foundation’s guide, Working out and giving your Zakat, uses the same 87.48 g and 612.36 g figures as this tool, while IslamWeb’s fatwa on gold and silver in calculating nisab and NZF Canada state the rounded equivalents of 85 g and 595 g. That is a difference in how the classical weights are converted, not a disagreement about the obligation itself. This calculator keeps the 87.48 g and 612.36 g weights it has always used, shows you the exact weight behind its threshold, and leaves the choice of standard to you and the scholars you follow. If your wealth sits between the two conventions’ thresholds, that borderline case is exactly the kind to put to a scholar rather than to a calculator.

Which standard should you pick? Practice differs. The gold standard is common in modern use; the silver standard is often recommended on the grounds that it favours recipients, because Zakat begins at a lower wealth level. NZF Canada, for example, follows the silver nisab for its own guidance. Neither answer is produced by the arithmetic; it is a question of the school or scholar you follow, and the tool’s job is to make the consequence of each choice visible in money before you commit to one.

Gold purity helper: valuing jewellery that is not 24 karat

Jewellery is rarely pure gold, so value it on its pure-gold content: grams × karat ÷ 24 × the gold price per gram. Enter the result as the Gold market value in the calculator.

A 100 g piece at 21K holds 100 × 21 ÷ 24 = 87.50 g of pure gold, worth 87.50 × $85.00 = $7,437.50 at the example price. The same weight at the full 24K price would be entered as $8,500, overstating the gold by $1,062.50 and the Zakat on it by about $26.56. NZF Canada’s Zakat rules set out the same purity method: divide the karat by 24 to get the purity, then multiply by weight and price. For silver pieces that are not pure, enter their actual market value rather than full weight at the pure price; the silver calculator can help sense-check a silver value.

Worked example: one household, checked line by line

The pre-filled example is a household whose main asset questions are a piece of 21K jewellery and a short-term debt. Every figure below is a real run of the calculator above, so you can reproduce it exactly.

Switch the same household to the silver standard and the Zakat due stays $605.94, because 2.5% is charged on the same net wealth; only the gate changes, from $7,435.80 to $642.98, and the progress bar jumps from 326% to 3,770% of nisab. The standard choice changes the answer only for households near the gate: with $5,000 of net wealth, the gold standard says nothing is due while the silver standard charges $125.00. That is the decision the nisab section above is really about.

What counts as zakatable wealth, and what stays out

The calculator has a field for each category it counts, and no field for the categories it does not. Your home, car and personal belongings have no input because they are not part of this calculation.

Business owners should note the inventory line in particular: stock for resale is valued at wholesale, and NZF Canada’s business guidance lists the same liquid categories (cash, finished goods, work in progress, raw materials) on its Zakat rules and FAQs. Once the amount is known, where it goes is also prescribed: the Qur’an lists eight categories of recipients in Surah At-Tawbah 9:60, from the poor and needy to those in debt and the stranded traveller, set out in the Quranic Arabic Corpus translation of verse 9:60. If you are valuing non-cash assets to give away rather than cash, the donation value calculator covers that separate question.

Where scholars differ, and what this calculator does with those differences

Three points in a Zakat calculation are matters of scholarly difference rather than arithmetic. This page states the position the tool takes on each, so you can adjust the inputs if you follow another position.

• Jewellery worn regularly: the Hanafi school counts gold and silver jewellery toward Zakat; other schools exempt jewellery in regular personal use. The tool counts whatever gold value you enter, so following the exemption means entering only jewellery you count.
• Long-term debt: the tool subtracts the single debts figure you enter. If you follow the view that only the coming year’s instalments of a long-term loan are deductible, enter that portion rather than the full balance.
• Combining gold and silver: whether holdings that reach nisab only when combined still trigger Zakat is itself discussed in the fatwa literature, for example IslamWeb’s fatwa on adding gold and silver together for Zakah. This tool always combines all your zakatable wealth into one net figure before the nisab check, which matches how money and trade goods are treated.

None of these are questions a calculator can settle. The honest use of the tool is to compute the amount under the method you follow, and to take genuinely contested cases to a scholar with the numbers in hand.

What competing Zakat calculators miss

Most Zakat tools online total assets and apply 2.5%. The differences that matter sit in the details around that core:

• Hardcoded “current” metal prices: several calculators fetch or bake in a gold price and present the nisab as a live fact. Prices move daily and differ by market and currency, so a baked-in price is quietly wrong for most readers most of the time. Here the prices are explicit dated inputs you control, and the nisab line states the weight and the prices it was built from.
• Jewellery entered at face weight: charity calculators with a gold-weight field usually value it as pure metal. A 21K bangle entered that way is overstated by about 14% before the 2.5% is even applied. The purity helper on this page exists because that is the single most common valuation error.
• No borderline information: tools that answer only “due” or “not due” hide how close the call was. The progress bar here shows the percentage of nisab and the exact amount above or short, which is what you need when your wealth hovers near the threshold or when the gold and silver standards disagree about you.
• One nisab standard, presented as the only one: many tools silently default to a single standard. This page prices both standards from your inputs and explains the choice, including the gram-weight conventions behind the threshold, instead of hiding it.

Frequently asked questions

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