Zakat is a mandatory charitable obligation in Islam, requiring eligible Muslims to give a portion of their surplus wealth to those in need. It is typically calculated at 2.5% of net zakatable wealth once it remains above the Nisab threshold for one lunar year.

Nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. Two recognized standards are used:

• Gold Standard: 87.48 grams of gold
• Silver Standard: 612.36 grams of silver

Many contemporary scholars prefer the silver standard because it lowers the threshold and benefits more people in need. However, both standards are valid.

Your Zakat is based on net wealth, not total wealth.

If this amount exceeds Nisab, the Zakat due is 2.5%.

Include assets that are considered surplus or held for growth:

• Cash and bank balances
• Gold and silver
• Investments (stocks, funds, crypto)
• Business inventory
• Money owed to you that is likely to be repaid

Zakat is due on surplus wealth — not on essential lifestyle items. The following are generally exempt:

• Primary residence (your home)
• Personal vehicles
• Furniture and household belongings
• Clothing and personal items
• Daily-use electronics
• Items necessary for normal living

Yes. Short-term debts may be subtracted before calculating Zakat. Examples include credit card balances, outstanding bills, short-term loans, and essential payments due within the next lunar year. Long-term debts are typically not deducted in full.

Nisab is tied to live market prices of gold and silver. This calculator updates the Nisab automatically whenever live data is available. If live prices cannot be retrieved, you may manually enter the current value.