Zakat Calculator
Enter your zakatable assets held for a lunar year. The calculator checks the nisab threshold and computes the 2.5% due — an educational aid; consult a scholar for complex situations.
| Zakatable wealth (net) | — |
| Nisab check | — |
| Rate applied | — |
How zakat is calculated
Zakat = (Zakatable assets − immediate debts) × 2.5%, when above nisab for a lunar year
Zakatable wealth includes cash, bank balances, gold and silver, tradeable investments, business inventory, and money owed to you that you expect to receive. The example: $23,000 of assets minus $1,500 of due debts = $21,500 base → $537.50 of zakat.
The nisab threshold
Zakat applies only above the nisab — classically 85 grams of gold or 595 grams of silver, valued at current prices. The silver nisab is much lower (a few hundred dollars vs several thousand), so using it is the more cautious choice that includes more givers. The wealth must also have been held above nisab for one full lunar year (hawl); many people fix a yearly zakat date (often in Ramadan) and calculate on whatever they hold that day.
Common questions of scope
- Not zakatable: your home, car, furniture, and tools of your trade.
- Retirement accounts: scholarly opinions differ — common views apply zakat to the accessible value or defer until access; ask a knowledgeable scholar for your case.
- Long-term shares: some apply 2.5% to full market value (simplest and safest), others to the company's zakatable assets proportion.
- Note the lunar year: using the solar calendar, the equivalent rate is ~2.577% to account for the shorter lunar year.
Educational aid only — for business assets, retirement accounts, and complex holdings, consult a qualified scholar or your local zakat institution.
Frequently asked questions
How much is zakat?
2.5% of zakatable wealth (cash, gold, investments, business inventory, minus immediate debts) held above the nisab threshold for one lunar year.
What is nisab?
The minimum wealth at which zakat becomes due: the value of 85g of gold or 595g of silver at current prices. The silver standard is lower and considered the more cautious basis.
Do I pay zakat on my house and car?
No — personal-use assets (home, vehicle, furniture, work tools) are exempt. Property held for trade or rental income has its own rules; rental income itself joins your cash for zakat.
Is zakat due on retirement accounts like a 401(k)?
Opinions differ: some scholars levy 2.5% on the accessible (after-penalty) value annually, others defer zakat until withdrawal. Ask a qualified scholar — this calculator handles the straightforward assets.
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Last updated: 2026-07-08