Islamic Zakat al-Mal Calculator
Fulfill your divine obligation with precision. Calculate your 2.5% Zakat against current Gold (85g) or Silver (595g) Nisab thresholds across all asset classes.
1. Currency & Nisab Standard
Configure local currency and current bullion spot rates
2. Zakatable Assets Held for 1 Lunar Year (Hawl)
Enter current value of cash, savings, gold/silver, and trade goods
3. Immediate Deductible Liabilities
Short-term debts and immediate living bills currently due
Your net wealth is currently below the Nisab threshold (No Zakat due).
- Personal Gold & Silver Jewelry: In the Hanafi school, all gold and silver jewelry is zakatable regardless of personal wear. In the Shafi'i, Maliki, and Hanbali schools, permissible jewelry worn regularly for personal adornment is exempt unless held as wealth storage or excessive.
- Long-Term Stocks & Retirement Accounts: Contemporary Fiqh councils differ on whether Zakat applies to full liquidation value or the underlying zakatable liquid assets (often approximated at 25%–30% for long-term equity holdings).
The Third Pillar of Islam: Purification of Wealth
Zakat is neither a voluntary charity (Sadaqah) nor an arbitrary tax; it is an obligatory divine right that the poor hold in the wealth of the capable. As Allah commands:
“Take, [O Muhammad], from their wealth a charity by which you purify them and cause them increase, and invoke [Allah's blessings] upon them.” — Surah At-Tawbah (9:103)
Conditions Requiring Zakat (Shurut Wujub)
- • Islam: Zakat is an act of worship binding upon Muslims.
- • Full Ownership (Milk Taamm): The wealth must be under the direct and undisputed control of the owner.
- • Reaching Nisab: Net liquid wealth after basic living needs and short-term liabilities must equal or exceed the value of 85g gold or 595g silver.
- • Hawl (One Lunar Year): The Nisab threshold must be maintained for one complete lunar year (354 days).
The Eight Eligible Recipients (Masarif)
Surah At-Tawbah (9:60) specifies the eight exclusive categories eligible to receive Zakat:
- The poor (Al-Fuqara')
- The destitute/needy (Al-Masakin)
- Zakat administrators (Al-'Amilina 'alayha)
- Reconciling hearts to Islam (Al-Mu'allafati qulubuhum)
- Freeing captives/slaves (Fi ar-riqab)
- Those in severe debt (Al-Gharimin)
- In the cause of Allah (Fi sabilillah)
- The stranded traveler (Ibn as-Sabil)
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Zakat Calculator Frequently Asked Questions
Answers to common questions about gold/silver Nisab, stock investments, debts, and eligibility.