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Zakatable assets (leave empty if none)
Deductions
Nisab equals the value of 87.48 g of gold or 612.36 g of silver. Prices change daily — please update this field with your local market value.
Total Zakat due (2.5%)
0.00
This is an estimate for guidance only. Zakat rulings vary by school of thought and personal circumstance — please consult a qualified scholar for complex situations.
Acerca de Zakat Calculator
What is the Zakat Calculator?
Zakat is the third pillar of Islam — an obligatory annual charity that purifies a Muslim's wealth. Every lunar year, any adult Muslim who owns qualifying wealth above a minimum threshold called the nisab must give 2.5% of that wealth to those in need. The Zakat Calculator by FistHost does the math for you in seconds: you enter your assets and liabilities, and it instantly shows your net zakatable wealth, whether you meet the nisab, and exactly how much Zakat you owe.
What counts as zakatable wealth? The main categories are cash in hand and in bank accounts, the current market value of gold and silver (jewellery, coins, or bullion), the zakatable portion of shares and investments, and business inventory or stock-in-trade. Personal items you use every day — your home, your car, your furniture, your clothes — are generally not subject to Zakat, and its clear breakdown table shows exactly how each line contributes to your total.
The nisab is the heart of the calculation. It is defined as the monetary value of either 87.48 grams of gold or 612.36 grams of silver — and because metal prices move every day, the calculator lets you update the nisab field yourself with your local market value. The two standards can differ enormously, which is why scholars disagree on which to use — the tool stays neutral, and you can run the calculation both ways to compare.
How to Use the Zakat Calculator
Enter your cash and bank balance — physical cash, money at home, and the total across all savings, current, and e-wallet accounts. Leave fields empty if you have none.
Enter your gold's market value — check today's price per gram and multiply by the weight of gold you own. Include jewellery, coins, and bullion.
Enter your silver's market value — same approach: today's price per gram times the weight of silver owned.
Enter investments and shares — the zakatable portion of your stocks, mutual funds, or sukuk holdings (you may need to exclude non-zakatable fixed assets — ask your scholar).
Enter business inventory — the current resale value of your stock-in-trade if you run a business.
Enter your liabilities — debts you owe that are due soon, such as loans and unpaid bills. These are deducted before the calculation.
Update the nisab field — replace the default with today's local value of 87.48 g of gold or 612.36 g of silver, whichever standard you follow.
Click Calculate Zakat — your result appears instantly: net zakatable assets, your 2.5% Zakat due, and a green or red badge showing whether you are above or below the nisab, plus a full itemised breakdown.
Key Features
Editable nisab threshold — metal prices change daily, so the calculator lets you plug in today's exact gold or silver value instead of locking you to a stale number.
Currency-neutral design — no currency symbols are assumed; enter amounts in rupees, dollars, dirhams, or riyals and the math works identically.
Full itemised breakdown — a detailed table lists every asset line, your deductions, your net zakatable assets, and the nisab side by side, so the result is fully transparent.
Automatic 2.5% calculation — the standard Zakat rate is applied to net assets above the nisab with zero manual arithmetic.
Eligibility indicator — a clear badge tells you at a glance whether Zakat is due or your wealth sits below the nisab threshold.
Six asset categories — cash, bank balance, gold, silver, investments, and business inventory are covered in one form.
Debt deduction built in — short-term liabilities are subtracted automatically before the nisab test, exactly as the classical method requires.
100% private — every calculation runs in your browser. Your financial details are never uploaded, stored, or sent anywhere.
Mobile friendly — the form stacks cleanly on phones, so you can calculate Zakat anywhere, even at the jeweller's shop.
Pro Tips
Set your Zakat date and stick to it. Zakat is due once per lunar (Hijri) year — pick a fixed date, many use 1 Ramadan, and recalculate on it every year.
Refresh metal prices on calculation day. A stale nisab from six months ago can wrongly push you above or below the threshold. A quick search for today's gold and silver rates takes thirty seconds.
Include digital and foreign holdings. Money in PayPal, mobile wallets, and foreign-currency accounts counts if you have held it for a lunar year — convert it at the day's exchange rate.
Only deduct debts that are actually due. Long-term loans (like a 20-year mortgage) generally only allow deduction of the instalments falling due within the year, not the whole balance. When in doubt, ask a scholar.
Retirement accounts need special care. Schools differ on pensions and provident funds — some say pay on the accessible portion, others say wait until withdrawal. Get a ruling first.
Run both nisab standards. Calculate once with the gold value and once with the silver value. If you are between the two thresholds, that is exactly the case to discuss with a scholar.
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Who Uses the Zakat Calculator?
Individuals and families — anyone calculating their annual Zakat on savings, gold jewellery, and investments before Ramadan or their Zakat date.
Business owners — traders and shopkeepers who need to value stock-in-trade and business cash for their yearly Zakat.
Imams and charity organisers — community leaders who guide congregations through Zakat and need a simple tool to demonstrate the calculation.
New Muslims — converts learning the practical mechanics of Zakat for the first time, who benefit from a guided, step-by-step breakdown.
Accountants and financial advisors — professionals preparing Zakat statements for clients alongside their regular financial planning.
Students of Islamic finance — learners who want to see how the classical rules translate into real numbers.
Frequently Asked Questions
Is this calculator a religious ruling (fatwa)?
No. It is a mathematical aid that applies the widely accepted 2.5% rule to the figures you enter. Schools of thought differ on details such as retirement accounts, long-term debts, and which nisab standard to use — treat the result as an estimate and consult a qualified scholar for your specific situation.
What exactly is the nisab?
The nisab is the minimum amount of zakatable wealth you must own for a full lunar year before Zakat becomes obligatory. It is defined as the value of 87.48 grams of gold or 612.36 grams of silver. Because metal prices fluctuate, always update the nisab field with current local prices before calculating.
Should I use the gold or silver nisab?
Scholars differ. The gold nisab is much higher (roughly tens of thousands in most currencies), while the silver nisab is far lower. Some scholars recommend the gold standard to avoid hardship; others advise the silver standard so more wealth circulates to the poor. The calculator supports either — enter the value you follow.
Do I pay Zakat on my house, car, and furniture?
Generally no. Personal-use items — your home, your car, household furniture, clothes — are not zakatable. Investment properties and rental income, however, typically are (on the income or the property's zakatable value). Enter only assets that qualify.
How often do I pay Zakat?
Once per lunar (Hijri) year on the wealth you have held for that full year — this is called the haul. Pick a consistent date (many choose Ramadan) and recalculate annually; the calculator makes this a two-minute job.
Can I deduct all my debts?
You can deduct debts that are due or payable within the year. For long-term loans, most scholars allow deducting only the upcoming year's instalments rather than the entire outstanding balance. Adjust the liabilities field accordingly.
What about Zakat on shares and mutual funds?
It depends on the company and your intention. For tradeable shares, Zakat is generally due on the zakatable market value; companies with heavy fixed assets may allow exclusions. Ask your scholar, then enter the resulting value.
Related Tools
You may also find these free calculators useful: Percentage Calculator for working out Zakat as a share of total wealth, Loan EMI Calculator for planning the debts you deduct, and Diff Checker for comparing this year's asset statement against last year's.
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