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Free calculator

Zakat, with the working shown.

Most calculators hand you a number and stop. This one shows every line of the arithmetic, tells you where scholars differ instead of quietly choosing for you, and explains what each asset is doing there.

  • Nothing stored
  • Method always shown
  • Not a fatwa

Her Islamic Finance — herislamicfinance.com

Zakat calculation

First — the positions you follow

These choices change the answer more than any number you enter. Nobody should make them for you.

Which school do you follow?

Nisab standard

Gold & silver jewellery you wear

The one question in this calculator that your school actually decides. Pick a school above and this is set for you — you can still change it.

Has a full lunar year passed above the nisab?

Then — what you own

Values as they stand on your zakat date. Leave anything blank if it doesn't apply.

Cash in hand, current and savings accounts, money in payment apps, and foreign currency at today's rate. Fully zakatable.

Stored, or bought as investment
Worn regularly
Stored, or bought as investment
Worn regularly

Treated as currency, so it is fully zakatable regardless of why you hold it. Use the market value on your zakat date — not what you paid, and not the highest it ever reached.

A property or plot of land bought in order to sell it on is zakatable at its full market value every year until sold, however long that takes. Intention at purchase is what decides this.

The property itself is not zakatable — you bought it to earn from, not to sell. What is zakatable is the rental income you have actually saved and still hold on your zakat date. Rent already spent is not.

Goods held for sale, valued at what you could sell them for on your zakat date, plus raw materials. Equipment you use to run the business — tools, machinery, computers — is not zakatable.

Money owed to you that you reasonably expect to get back — loans to family or friends, unpaid invoices. Zakatable now, because it is still your wealth. A debt you doubt you will ever recover is usually counted only when it is actually repaid.

Defined-contribution pensions (where you have a pot with a value) are zakatable on the zakatable assets inside them. Defined-benefit or final-salary schemes — where you are promised an income rather than holding a pot — are not. There is also a view that money you cannot access is not zakatable until you receive it; if that is the position you follow, leave this blank.

Not here on purpose: your home, car, furniture and anything else in personal use are never zakatable. Farmland and livestock are also missing — they carry a different obligation at a different rate, and folding them into a 2.5% calculator would give you a confident wrong answer.

Finally — what you owe

Deduct what you owe and must pay now. For long-term debts paid in instalments — a mortgage, a car loan — deduct only the payment currently due, not the whole outstanding balance. Deducting a full mortgage would wipe out almost everyone's zakat, which is not the intent.

Estimated zakat due

Your wealth Nisab

The working

Common questions

Where scholars differ.

More questions

Which nisab should I use, gold or silver?

Most zakat institutions, including the National Zakat Foundation, recommend silver. It is the lower threshold, so more people owe zakat and more reaches those entitled to it. Some scholars prefer gold on the basis that it has held its purchasing power better. The calculator lets you pick, and shows you what each threshold works out as.

Do I pay zakat on gold jewellery I actually wear?

This is the one question where the schools genuinely differ. The Hanafi school says yes — gold and silver are wealth by their nature, whatever shape they are in. The Maliki, Shafi'i and Hanbali schools say jewellery in genuine personal use, in customary amounts, is exempt like clothing. Pick the position you follow and the calculator adjusts.

How is zakat on shares calculated?

It depends why you bought them. If you trade actively or bought to sell on, zakat is due on the full market value, like cash. If you hold long term, you are part-owner of a working business, so only the company's zakatable assets count — its cash, receivables and inventory. You can work that out exactly, or use a 25–30% approximation of market value.

Is my house zakatable?

The home you live in is never zakatable, whatever it is worth. A property bought to sell on is zakatable at full market value. A rental property is different again: the property itself is not zakatable, but rental income you have saved and still hold on your zakat date is.

Why is the rate sometimes 2.577%?

2.5% is due on a lunar year. A Gregorian year is about 11 days longer, so if you track your zakat date on the Gregorian calendar the rate is adjusted slightly upward to keep the yearly amount equivalent. This is recognised by AAOIFI and the International Fiqh Academy for Zakah.

Is this a fatwa?

No. It is a calculator that shows a recognised method and tells you where scholars differ, so you can follow the position you hold. It cannot know your circumstances. For anything you are unsure about — and certainly for anything unusual — take your figures to a scholar you trust.

Where these positions come from

We would rather show our sources than ask you to take our word for it.

The order these go in

These three are a sequence, not a menu. Purifying before you calculate zakat matters — unpurified income inflates the base, so the other order overstates what you owe.

  1. May I own this company at all? First, because if the business itself fails the screen nothing further matters. Four respected standards, and they do not always agree. Shariah screening checklist
  2. Does any of what it earned need giving away? A company can pass the screen and still earn some impermissible income. Your share of that is not yours to keep. Purification calculator
  3. What do I owe on what I hold? Last, and only after purifying — unpurified income inflates the base, so doing these the other way round overstates your zakat. Zakat calculator you are here

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