Zakat Calculator
Calculate your Zakat and Zakat al-Fitr with live Nisab values, madhab-specific rules (Hanafi, Shafi'i, Maliki, Hanbali), real estate, crypto, and pension guidance.
Zakat becomes obligatory when wealth has been above the Nisab threshold for one complete Islamic lunar year (354 days) — this is called Hawl. Please confirm this condition using the checkbox above to see your Zakat.
What Is Zakat?
Zakat (Arabic: زكاة) is the third pillar of Islam — an obligatory annual payment made by eligible Muslims on their accumulated wealth. The word literally means "purification" and "growth" — paying Zakat purifies the remainder of your wealth and fulfills a religious duty to support those in need. Zakat is distributed to eight categories of recipients defined in the Quran (Surah 9:60): the poor (fuqara), the destitute (masakin), Zakat collectors, those whose hearts are to be reconciled, those in bondage, those in debt, those in the cause of Allah, and travelers in need.
Who Must Pay Zakat?
Zakat is obligatory for every adult Muslim who: (1) owns wealth equal to or above the Nisab threshold (2) has owned that wealth for one complete Islamic lunar year — Hawl (3) the wealth is in excess of immediate basic needs. Zakat is not paid on a primary home, personal vehicle, household items, or tools used for a livelihood. Non-Muslims are exempt; Zakat on behalf of minor children is a matter of scholarly disagreement.
Gold Nisab vs Silver Nisab — Which to Use?
The gold Nisab is 85 grams of gold (~$7,500–8,500 USD in 2026). The silver Nisab is 595 grams of silver (~$600–700 USD). The Hanafi school prescribes using the lower value (silver today) to include more people in the Zakat obligation — a position endorsed by contemporary scholars including Yusuf al-Qaradawi. Maliki, Shafi'i, and Hanbali schools use the gold Nisab. With gold prices at historic highs in 2026, this choice makes a significant practical difference. Select your madhab in the calculator to auto-apply the correct default.
Madhab Differences at a Glance
The four madhabs agree on the 2.5% Zakat rate and the 354-day Hawl but differ on three critical points. Jewelry: Hanafi requires Zakat on ALL gold and silver jewelry; the other three schools exempt personal-use jewelry in customary amounts. Debt deduction: Shafi'i school (dominant view) holds that debts do not reduce your Zakat liability — Zakat attaches to legal capacity, not net wealth. Hanafi and Maliki allow deducting currently demanded debts; Hanbali only if it brings wealth below Nisab. Nisab basis: Hanafi defaults to silver; Maliki/Shafi'i/Hanbali default to gold.
Zakat al-Fitr (Fitrana)
Zakat al-Fitr is a separate purification charity due before the Eid al-Fitr prayer, for yourself and every dependent in your household. It is obligatory on any Muslim who has food beyond their basic needs on the night before Eid — even if they are not above the Zakat al-Mal Nisab threshold. The amount equals one Sa' (approximately 2.175–3 kg of staple grain depending on madhab — 2.5 kg is the widely used middle estimate), converted to its cash value. Official 2026 rates: UAE AED 25, Saudi Arabia SAR 30, Qatar QAR 15, Pakistan PKR 400, UK GBP 6, USA $10. Use the Zakat al-Fitr section of the calculator to compute for your family.
Frequently Asked Questions
How do I calculate Zakat?
Total all zakatable assets (cash, gold, investments, business assets, real estate rental income), subtract short-term debts (if your madhab permits), and if the net wealth equals or exceeds the Nisab threshold after one Islamic lunar year (Hawl), multiply by 2.5%. Our calculator performs all steps automatically with live metal prices.
What is the Nisab threshold in 2026?
The gold Nisab is approximately $7,500–8,500 USD (85g × current gold price). The silver Nisab is approximately $600–700 USD (595g × current silver price). Gold prices in 2026 are elevated, making the gap between gold and silver Nisab wider than historically. Select your currency in the calculator to see the live Nisab in your local denomination.
Should I use gold or silver Nisab?
It depends on your madhab. The Hanafi school prescribes whichever is lower (currently silver at ~$600–700 USD) to include more people in the Zakat obligation. Maliki, Shafi'i, and Hanbali schools prefer the gold Nisab (~$7,500+ USD) as it better reflects genuine wealth by contemporary standards. Our calculator auto-selects based on your madhab choice but lets you override.
What is the difference between Zakat madhabs?
The four main madhabs differ on three key points: (1) Nisab — Hanafi uses silver (lower), others use gold. (2) Jewelry — Hanafi: all gold and silver jewelry is zakatable regardless of personal use. Shafi'i / Maliki / Hanbali: personal-use jewelry is generally exempt; only investment or stored gold is included. (3) Debt deduction — Shafi'i dominant view: debts are not deductible. Hanafi: deduct current year installments. Hanbali: deduct only if debt brings wealth below Nisab.
What is Zakat al-Fitr and how is it calculated?
Zakat al-Fitr (Fitrana) is a separate annual obligation due before the Eid al-Fitr prayer, for you and every dependent in your care. It equals approximately one Sa' (2.175–3 kg depending on madhab) of staple food, converted to cash. Official 2026 rates: UAE AED 25 per person, Saudi Arabia SAR 30, Qatar QAR 15, UK GBP 6, USA $10. It is owed even if you are not above the Zakat al-Mal Nisab.
Do I pay Zakat on cryptocurrency?
Yes. Most contemporary scholars treat cryptocurrency as a zakatable asset equivalent to cash — use the current market value and apply 2.5%. The calculator fetches live BTC, ETH, BNB, and SOL prices automatically. Enter coin amounts and the calculator converts to your local currency.
Is Zakat on jewelry required?
It depends on your madhab. Under the Hanafi school, all gold and silver jewelry — regardless of whether it is worn for personal use — is zakatable (Kasani, Bada'i al-Sana'i). Under Shafi'i, Maliki, and Hanbali schools, personal-use jewelry in customary amounts is generally exempt; only investment gold, stored bullion, or jewelry above customary amounts is zakatable. Select your madhab in the calculator to apply the correct rule.
Can I deduct my mortgage from Zakat?
No school permits deducting the full outstanding mortgage balance. Hanafi allows deducting the current year's installments presently demanded by the lender. Maliki: deduct currently demanded debts. Hanbali: deduct only if it drops your total wealth below Nisab. Shafi'i: no debt deduction at all. Also note: the primary residence itself is exempt from Zakat, so the mortgage is only relevant for its impact on your liquid zakatable assets.
Do I pay Zakat on stocks?
Yes. For stocks held for investment, the simplest method is market value × 2.5%. The more accurate AAOIFI method applies 2.5% only to the underlying zakatable assets (cash, inventories, receivables) on the company balance sheet — typically 25–30% of the portfolio, giving an effective rate of ~0.625% on total value. For most individual retail investors, the simple market value method is widely accepted.
What is Hawl in Zakat?
Hawl is the condition that your wealth must have been above the Nisab threshold for one complete Islamic lunar year (354 days) before Zakat becomes obligatory. Hawl begins on the specific date you first reach or exceed Nisab — not from Ramadan or the Islamic new year. If your wealth drops completely to zero during the year, the Hawl resets; minor mid-year dips do not reset it (Hanafi school: Kasani's Bada'i al-Sana'i). Enter your Hawl start date in the calculator to see your Zakat due date.
Do I pay Zakat on investment property?
For rental property: Zakat is due only on accumulated net rental income held above Nisab — not on the market value of the property itself. For property purchased to resell: 2.5% of the current market value is zakatable annually (Maliki exception: only once after the sale). Primary residence and business premises are exempt from Zakat. Enter the applicable amount in the Real Estate section of the calculator.
Can I calculate Zakat in Bahraini Dinar or other GCC currencies?
Yes. Select your country and currency in the calculator — BHD, AED, SAR, QAR, KWD, and OMR are all supported. Live gold and silver prices are fetched automatically and converted at current exchange rates. The Zakat al-Fitr rates shown are based on official 2026 guidance from each GCC country's Ministry of Awqaf or Islamic Affairs authority.