The nisab is the minimum amount of wealth you must hold before zakat is due. It is based on the value of about 85 grams of gold or 595 grams of silver. Many scholars recommend using the silver nisab as it benefits the poor by capturing more payers.

Zakat on monetary wealth is 2.5% of your net zakatable assets, paid once a lunar year (hawl) has passed while your wealth stayed above the nisab.

Zakat Calculator 2026: Work Out What You Owe (Free)

Q: How do you calculate zakat?

Add up your zakatable assets — cash, savings, gold and silver value, the zakatable portion of investments, and money owed to you. Subtract immediate debts. If the total is above the nisab and a lunar year has passed, you pay 2.5% of that net amount as zakat.

Currency: Enter all amounts in the same currency.

1 · Your zakatable assets

Cash (on hand & in accounts)$

Gold & silver (current resale value)$

Investments (zakatable portion — see note)$

Business stock & merchandise$

Money owed to you (likely to be repaid)$

2 · Deduct what you owe

Immediate debts & due bills$

3 · Nisab threshold

Nisab value (approx. value of 595g silver or 85g gold today)$

Look up today's silver/gold price to set this. The silver nisab (~595g) is lower and is widely recommended so more wealth benefits the poor.

Your estimated zakat (2.5%)

Enter your assets above to calculate. Net zakatable wealth: $0.

Calculations happen entirely in your browser — your figures are never uploaded.

How zakat is calculated

Zakat on wealth is one of the five pillars — an annual purification of your money that's owed to specific categories of people. The formula most scholars use is simple:

(Zakatable assets − immediate debts) × 2.5%, if the total is above the nisab and a lunar year (hawl) has passed.

The three things that trip people up:

The nisab — the minimum threshold (value of ~85g gold or ~595g silver). Below it, no zakat is due. Set today's value in the calculator above.
The hawl — zakat is due once a lunar year passes while your wealth stays above the nisab. Pick a fixed date each year (many use Ramadan).
Investments — for a long-term investor, many scholars say you pay zakat on the zakatable assets behind your shares, sometimes approximated as a portion of the market value rather than the whole. Active traders generally count the full market value. See our zakat-on-investments section and ask your scholar which method to use.

What's not zakatable

Generally excluded: your primary home, your personal car, everyday belongings, and tools of your trade. Zakat is on accumulated wealth, not your living essentials.

⚑ An estimate, not a fatwa

This calculator gives a good working estimate using the mainstream method. Scholars differ on details (especially investments and retirement accounts). For anything complex, confirm with a qualified scholar or a trusted zakat institution.

Frequently asked questions

How do you calculate zakat?

Add zakatable assets (cash, gold/silver, the zakatable portion of investments, money owed to you), subtract immediate debts, and if you're above the nisab and a lunar year has passed, pay 2.5%.

What is the nisab?

The minimum wealth before zakat is due — the value of about 85g gold or 595g silver. The silver nisab is lower and widely recommended.

How much is zakat?

2.5% of your net zakatable wealth, once per lunar year.

Karim Haddad

Karim writes AMAADOR's halal money guides. This tool is for general estimation, not a fatwa — confirm specifics with a qualified scholar or zakat institution.

Sources & further reading

Classical fiqh on zakat (nisab, hawl, 2.5% rate) and contemporary guidance on zakat for shares and ETFs.
Reputable zakat institutions' calculation methodologies.

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