Zakat Calculator 2026

Calculate your Zakat accurately with our free calculator. Zakat is one of the Five Pillars of Islam - an obligatory charity of 2.5% on wealth above the Nisab threshold.

---

What is Zakat?

Zakat (زكاة) is the obligatory annual charity that Muslims must pay on their wealth. It purifies wealth and helps those in need.

Key Points:

• Rate: 2.5% of qualifying wealth
• Who pays: Muslims whose wealth exceeds Nisab for one lunar year
• When to pay: Anytime, but many pay during Ramadan
• Recipients: Eight categories mentioned in Quran (9:60)

---

Current Nisab Values (2026)

Nisab is the minimum amount of wealth you must have before Zakat becomes obligatory.

Nisab Type	Amount	Approximate Value*
Gold	87.48 grams (3 oz)	~$5,500 - $6,500
Silver	612.36 grams (21.5 oz)	~$450 - $550

Values fluctuate with market prices. Check current gold/silver rates.

Which Nisab to use?

• Most scholars recommend using silver Nisab (lower threshold) to include more people
• Some prefer gold Nisab for higher accuracy
• Consult your local scholar for guidance

---

How to Calculate Zakat

Step 1: List Your Zakatable Assets

Asset Type	Include in Calculation
Cash (bank accounts, savings)	✅ Yes
Gold and silver jewelry	✅ Yes
Stocks and investments	✅ Yes
Business inventory	✅ Yes
Rental income (saved)	✅ Yes
Cryptocurrency	✅ Yes
Money owed to you	✅ Yes (if expected to be repaid)
Retirement accounts	See note below

Step 2: List Your Deductible Liabilities

Liability Type	Deduct from Total
Debts due within year	✅ Yes
Business liabilities	✅ Yes
Unpaid bills	✅ Yes

Step 3: Calculate

Net Zakatable Wealth = Total Assets - Deductible Liabilities

If Net Zakatable Wealth ≥ Nisab:
    Zakat Due = Net Zakatable Wealth × 2.5%

---

Zakat Calculation Example

Example: Sarah’s Zakat Calculation

Asset	Value
Bank savings	$15,000
Gold jewelry (50g)	$3,000
Stocks	$10,000
Money owed to her	$2,000
Total Assets	$30,000

Liability	Value
Credit card debt	$2,000
Personal loan due	$3,000
Total Liabilities	$5,000

Calculation:

• Net Zakatable Wealth = $30,000 - $5,000 = $25,000
• Nisab (silver) ≈ $500
• $25,000 > $500, so Zakat is due
• Zakat Due = $25,000 × 2.5% = $625

---

Zakat on Specific Assets

Gold and Silver

Type	Nisab	Zakat Rate
Gold	87.48g	2.5%
Silver	612.36g	2.5%

Calculate by weight or value - whichever method you prefer, be consistent.

Cash and Bank Accounts

All cash savings that have been held for one lunar year are zakatable at 2.5%.

Stocks and Investments

Two main opinions:

1. Zakat on current market value - 2.5% of total value
2. Zakat on dividends only - If you’re a long-term investor not trading

Most scholars recommend paying on market value to be safe.

Business Assets

Zakatable	Not Zakatable
Inventory (for sale)	Business equipment
Cash/receivables	Office buildings
Trade goods	Vehicles used for business

Cryptocurrency

Most scholars treat crypto like other assets:

• If held for one year and above Nisab, pay 2.5%
• Calculate based on value at Zakat due date

Retirement Accounts (401k, IRA)

Scholarly opinions vary:

1. Pay Zakat on accessible amount only
2. Pay Zakat on full value
3. Pay when withdrawn

Consult a scholar familiar with your situation.

---

Who Receives Zakat?

Quran specifies eight categories (Surah At-Tawbah 9:60):

1. Al-Fuqara - The poor
2. Al-Masakin - The needy
3. Zakat collectors - Those who administer Zakat
4. Those whose hearts are to be reconciled - New Muslims, potential Muslims
5. Freeing captives/slaves
6. Debtors - Those in debt
7. Fi Sabilillah - In the cause of Allah
8. Travelers - Stranded travelers

You CANNOT give Zakat to:

• Your immediate family (parents, children, spouse)
• Non-Muslims (according to majority view)
• The wealthy
• Descendants of Prophet Muhammad (ﷺ)

---

When to Pay Zakat

Zakat Due Date

Zakat becomes due when:

1. Your wealth reaches Nisab, AND
2. One lunar year (hawl) has passed

Popular Times to Pay

• Ramadan - Many pay during Ramadan for extra reward
• Islamic new year - Start of Muharram
• Personal anniversary - One year from when your wealth reached Nisab

Tip: Choose a date and be consistent each year.

---

Zakat vs Sadaqah

Zakat	Sadaqah
Obligatory	Voluntary
Fixed rate (2.5%)	Any amount
Specific recipients	Anyone in need
Annual requirement	Anytime
Must meet Nisab	No minimum

---

Frequently Asked Questions

Do I pay Zakat on my house?

No - Your primary residence is not zakatable. Investment properties may have Zakat on rental income.

Do I pay Zakat on my car?

No - Personal vehicles are not zakatable. Cars held for sale (inventory) are.

What if I have debt?

Deduct debts due within the year from your zakatable assets.

Can I pay Zakat in installments?

Yes - You can spread payments throughout the year, but calculate based on your wealth at the due date.

Should I pay Zakat on money I’ve lent someone?

Yes - If you expect to be repaid, include it. Some scholars say pay when you receive it.

Is there Zakat on student loans?

Deduct the amount due within the current year from your assets.

---

Tips for Paying Zakat

1. Keep records - Track your assets throughout the year
2. Set a reminder - Same date each year
3. Calculate carefully - When in doubt, round up
4. Pay locally - Priority to local community needs
5. Verify recipients - Ensure your Zakat reaches eligible people
6. Make intention - Intend it as Zakat, not general charity

---

Trusted Zakat Organizations

Consider donating through verified organizations:

• Local mosque Zakat funds
• Islamic Relief
• ICNA Relief
• Helping Hand for Relief and Development
• Local Muslim community organizations

---

Related Tools

• Prayer Times Calculator
• Ramadan 2026 Guide
• Hijri Calendar

---

May Allah accept your Zakat and bless your wealth.

Last updated: January 7, 2026 | Nisab values are approximate - verify current rates