حاسبة الزكاة
Zakat calculator
Enter what you have owned for a year. The result updates as you type, with today’s nisab. The full calculation covers business, investments, crops and livestock.
Nisab on October 12: $11,466 (85 g of gold) or $1,164 (595 g of silver). See today’s nisab
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The rules of zakat, topic by topic
How this calculation works
Zakat al-mal is due once a year, when your net assets reach the nisab and you have owned them for a Hijri year. The calculator adds up what is liable (money, gold and silver, trade goods, investments), deducts debts according to the chosen opinion, compares the total with today’s nisab and applies the rate of 2.5% (one fortieth).
Crops, livestock, found treasure and minerals have their own rules: they are calculated separately, in kind where needed (kilos of harvest, head of livestock).
Nothing you enter leaves your browser. If you have an account, only your settings and your zakat date are kept there, and your amounts only if you ask.
References Quran 2:43, 9:103 · Bukhari 1395, Muslim 19 (hadith of Mu‘adh) · Bukhari 1454 (Abu Bakr’s letter on one quarter of a tenth)
Who has to pay zakat
Zakat is due from a Muslim who fully owns wealth that reaches the nisab, after one lunar year. Ownership must be complete: money that is lost, or blocked with no hope of getting it back, is not counted until it is recovered.
- The nisab: the value of 85 g of pure gold or 595 g of pure silver (see today’s nisab).
- The year: keep a fixed date every year and count what you own on that day; this is the Hanafi method, and the solution Ibn Baz and the Permanent Committee give for regular income.
- Personal-use items (home, car, furniture, work tools) are not liable.
On a child’s wealth, the Maliki, Shafi‘i and Hanbali schools require zakat (the guardian pays it); the Hanafi school does not.
References Bukhari 1405 and Muslim 979 (no charity below five awaq) · al-Tirmidhi 632 (report of Ibn ‘Umar on the year) · Bukhari 1463 and Muslim 982 (nothing on one’s riding horse or slave)
Why the result changes with the school
Four points change the amount. By default the calculator follows three of the four schools, or today’s institutions, and shows the other opinion in figures whenever it changes the result:
- jewellery that is worn: counted by the Hanafi school (and Ibn Baz, Ibn ‘Uthaymin), not counted by the other three schools;
- the reference nisab: gold for most institutions, the lower of the two (usually silver) for the Hanafi and Hanbali schools, the Permanent Committee and Ibn Baz;
- debts: instalments due in the next 12 months (Diyanet, NZF), all debts (Hanafis, Hanbalis) or none (Shafi‘is, Ibn Baz);
- gold and silver are added together to reach the nisab, except in the Shafi‘i school.
These rules are explained in the zakat rules. If you follow a religious authority, choose its opinion in the settings.
Frequently asked questions
What is zakat due on?
On money (cash, accounts, savings), gold and silver, trade goods and investments, when their net total reaches the nisab and a Hijri year has passed; and, with their own rules, on crops, grazing livestock, found treasure and minerals. Your home, car and personal-use items are not liable.
How much zakat do I have to pay?
2.5% (one fortieth) of your net assets, if their total reaches the nisab. For a Gregorian year the rate becomes 2.577% (365 days instead of 354). Crops are taxed at 10%, 5% or 7.5% depending on irrigation, and found treasure at one fifth.
Is zakat due on savings from my salary?
Yes, on what is left on your yearly date. You do not count each salary separately; you count what you own on that day (the Hanafi method, followed by the Diyanet and the Kuwait Zakat House).
Is zakat due on the jewellery I wear?
Yes according to the Hanafi school, Ibn Baz and Ibn ‘Uthaymin. No according to the Maliki, Shafi‘i and Hanbali schools, as long as it is worn within normal use. Jewellery kept as savings or for sale is always liable. The calculator shows both amounts.
Can I deduct my mortgage?
According to the Diyanet and the National Zakat Foundation, only the instalments of the next 12 months, without interest. The Hanafi and Hanbali schools deduct all debts; the Shafi‘i school and Ibn Baz deduct none. The Kuwait Zakat House does not deduct a debt that financed a non-liable asset such as your home.
I have not paid zakat for several years. What should I do?
The four schools agree that zakat is paid for every past year. Work it out year by year, with what you owned and the nisab of each year.
Can I pay zakat in advance or in instalments?
Paying in advance is allowed once the nisab is reached, according to the Hanafi, Shafi‘i and Hanbali schools; the Maliki school does not accept it. What you paid in advance is deducted from the zakat calculated (the “zakat already paid in advance” field). Delaying it without a reason is not allowed.
Is bank interest subject to zakat?
No. Interest is not lawful wealth: you get rid of it by giving it to good causes, without counting it as zakat (Kuwait Zakat House, Diyanet, NZF). Egypt’s Dar al-Ifta is an exception and also counts the interest.
Does this calculation replace a scholar’s opinion?
No. It is a calculation aid that follows recognised opinions and shows them. For a particular case (inheritance, a complex business, doubt about a debt), ask a qualified person.
A calculation aid, not a religious ruling. If in doubt, ask a qualified person.