🕌 Zakat Calculator
Calculate your Zakat for 2026 — cash, gold, silver, investments & business assets
Last updated: March 2026
* This calculator is for educational purposes only and does not constitute financial advice.
Zakat is one of the Five Pillars of Islam — an obligatory annual payment of 2.5% on eligible assets above the Nisab threshold. This calculator helps you determine your Zakat obligation by entering your cash, gold, silver, investments, and business assets. It is intended for guidance only; consulting a qualified Islamic scholar for complex situations is always recommended.
Gold and silver are among the most common zakatable assets. Gold Nisab is set at 85 grams of pure gold, while Silver Nisab is 595 grams of pure silver. If you own gold jewelry, coins, or bars, their current market value should be included. Many scholars agree that gold jewelry worn regularly is still subject to Zakat if it exceeds the Nisab threshold.
Stocks, mutual funds, and business inventory are all subject to Zakat. The value is calculated based on the current market price of your holdings. For business owners, trade goods and inventory at cost or market value (whichever is lower) should be included. Rental property income (net of expenses) is also zakatable, though the property itself is not.
The Nisab threshold is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. There are two standards: Gold Nisab (85g of gold, approximately $13,900) and Silver Nisab (595g of silver, approximately $1,665). Most scholars recommend using the Gold Nisab as it is more widely accepted. If your total zakatable assets exceed the Nisab, you pay 2.5% on the entire amount.
Zakat and Sadaqah are both forms of charity in Islam, but they differ in key ways. Zakat is obligatory (fard) — every Muslim whose wealth exceeds the Nisab for one full lunar year (Haul) must pay it. Sadaqah is voluntary and can be given in any amount at any time. Zakat has specific rules about eligible assets and recipients, while Sadaqah is more flexible.
To use this calculator, enter your assets in each category (cash, gold, silver, investments, business), subtract any outstanding debts, choose your Nisab type (Gold or Silver), and see your results instantly. The calculator will show your total zakatable assets, whether you meet the Nisab threshold, and exactly how much Zakat you owe.
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⚡ Popular Scenarios
FAQ
Is Zakat obligatory on gold jewelry?
Yes, most scholars agree that gold jewelry is subject to Zakat if its total value exceeds the Nisab threshold (85g of gold) and has been held for one full lunar year. This includes rings, necklaces, bangles, and any other gold items.
Do I pay Zakat on my entire savings or just the profit?
Zakat is due on your entire savings balance, not just the profit or interest earned. If your total zakatable assets exceed the Nisab threshold after one full lunar year, you pay 2.5% on the full amount.
What is the difference between Gold Nisab and Silver Nisab?
Gold Nisab is 85 grams of pure gold (~$13,900). Silver Nisab is 595 grams of pure silver (~$1,665). Silver Nisab is much lower, making more people eligible. Most scholars recommend using Gold Nisab as the standard.
Can I pay Zakat in installments throughout the year?
Yes, many scholars permit paying Zakat in installments as long as the total amount is paid within the lunar year. Some people pay monthly to make it easier to manage, calculating their total obligation at the start of their Zakat year.
Is Zakat due on money in a pension or retirement fund?
Scholars differ on this. If you can access the funds freely, Zakat is generally due. If the money is locked until retirement and you cannot withdraw it, many scholars say Zakat is not due until you can access it. Consult a scholar for your specific situation.
Do I deduct my mortgage from Zakatable assets?
Most scholars say you can only deduct debts that are due within the current lunar year, not the entire remaining mortgage balance. So if your annual mortgage payments are $24,000, you can deduct that amount, not the full remaining loan.
Is this better than an index fund?
Compare your results to investing in a S&P 500 at ~10% annually. Use this as a baseline to evaluate your investment decision.
See how compound interest grows your wealth over time with the Compound Interest Calculator
📊 Data source: Standard financial models. Prices and data in this article are reviewed and updated semi-annually. Last update: March 2026.
🕌 Zakat Calculator 2026: How Much Do You Owe?
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Created by Amiel Riss | SmartMoney77