Zakat is one of the five pillars of Islam and a critical part of the Islamic financial system. It ensures that every eligible Muslim contributes a small portion of their wealth to uplift the less privileged and needy people of the society.
We’ve developed an advanced online Zakat Calculator to help you find the exact amount you have to pay.
Use it with confidence as it has been checked by qualified scholars.
If you have unpaid zakat from previous years, make sure you mention it in your Islamic Will (wassiyah). Use our easy Wasiyyah tool to create it.
What This Online Zakat Calculator Covers
This Islamic zakat calculator walks you through every major category of zakatable assets including cash, gold, silver, investments, business inventory, rental income, retirement savings, and loans you’ve given out
It also subtracts your current liabilities to give you your net zakatable amount. Once your net zakatable assets meet or exceed the nisab threshold, the calculator applies the standard 2.5% rate and shows you exactly how much zakat you owe.
Here is what the zakat calculator handles correctly:
- Cash in all forms. Bank accounts, cash at home, and digital wallets all count as zakatable assets. If you hold money in multiple currencies, convert them to your selected currency first and enter the combined total.
- Gold and silver at today’s market price. Whether you own jewellery, coins, or bars, zakat is calculated on the current market value — not what you paid for it. All gold karats are included regardless of whether the jewellery is worn or stored.
- Investments at current value. Shares, mutual funds, and cryptocurrency are zakatable at their current market price, not their purchase price. The calculator reflects the scholarly ruling that zakat on shares is based on what they are worth today.
- Business inventory at selling price. Trade stock is valued at its current selling price — not cost price. This follows the established ruling that zakatable amount on business goods is based on what you would sell them for on your zakat date.
- Rental income — not property value. A property you rent out is not itself zakatable. Only the rental income you have saved in your possession on your zakat date counts as a zakatable asset. The property’s market value is exempt.
- Accessible retirement savings. Retirement funds you can withdraw right now are included in your zakatable wealth. Funds that are locked, government-managed, or employer-contributed and not yet accessible are excluded.
- Loans you’ve given out. Money you’ve lent to someone that you reasonably expect to get back is part of your zakatable assets. Doubtful debts — where repayment is genuinely uncertain — should not be included.
- Liabilities due within 12 months. Any debt that are already due and need to be paid within the next 12 months — credit card balances, bills, rent, supplier payments, personal loans — are deducted from your total zakatable assets before the 2.5% is applied. Long-term debt balances such as the remaining principal on a home loan are not deductible.
- Nisab check built in. The calculator uses the silver nisab standard — the value of 52.5 tola (612 grams) of silver at today’s rate — which you enter yourself. If your net zakatable assets fall below this threshold, no zakat is due and the calculator tells you so clearly.
- Multi-currency support with local number formatting. The calculator supports PKR, USD, GBP, SAR, AED, INR, and BDT. For South Asian currencies, amounts display in lac and crore format for easy reading.
What this zakat calculator does not handle
it does not track your lunar year start date, remind you when your hawl is due, or account for zakat paid in advance during the year. It gives you a point-in-time calculation — your zakat amount as of today, assuming your lunar year is complete or nearly complete. The lunar year tracking is a personal responsibility.
When This Zakat Calculator Is Not Enough (Consult a Scholar)
This zakat calculator gives you an accurate estimate for the most common situations. But zakat has nuances that a calculator cannot resolve. The following scenarios involve genuine scholarly differences or personal circumstances where you should consult a qualified Islamic scholar before paying your zakat.
1. You have missed zakat for multiple past years
If you have been eligible to pay zakat but haven’t done so for several years, the calculation method for back-payments is specific: each year’s zakat is deducted from the base before the next year is calculated. This cascading approach requires careful year-by-year arithmetic and a scholar can guide you through it accurately.
2. You own shares in a company as a long-term investor
The general ruling for shares held for profit is to use the current market price — which the calculator applies. However, if you are a significant shareholder in a business, some scholars rule that you should calculate your proportionate share of the company’s net zakatable assets (liquid assets minus liabilities) rather than the share price. This requires access to the company’s balance sheet and a scholar’s guidance on which method applies to your situation.
3. Zakat on a child’s wealth
If a child owns gold, savings, or other zakatable assets, whether zakat is due on those assets — and who is responsible for paying it — is a question scholars differ on. A qualified scholar can advise based on your circumstances.
4. Long-term debt and mortgages
This calculator correctly excludes the full remaining balance of a mortgage from deductions. Only the installments due within 12 months are deductible. However, if you have a very large debt that genuinely leaves you with almost nothing liquid, the question of whether that affects your zakat obligation is worth discussing with a scholar, as some positions allow for broader deductions in hardship situations.
5. Income from committee savings (committee / chit fund)
If you participate in a rotating savings scheme (commonly called a “committee” in Pakistan), whether the amount you’ve contributed — and not yet received — counts as part of your zakatable assets has specific conditions. The general ruling is that contributed amounts are included, but the timing and exact calculation depends on your position in the rotation cycle and whether you’ve already received your payout.
6. Crypto, NFTs, and novel financial instruments
Cryptocurrency held as an investment is generally treated like shares — zakatable at current market value. But the rulings on staking rewards, DeFi yields, NFTs, and other digital assets are still being worked out by scholars. If you hold significant wealth in these instruments, get a specific ruling rather than relying on a general calculator.
7. You are unsure whether a recipient qualifies for zakat
The calculator tells you how much zakat you owe. Who can receive it is a separate question. Zakat cannot be given to your direct dependants, to wealthy people, or in certain cases to non-Muslims. If you are unsure whether a specific person or organisation qualifies, consult a scholar before distributing your zakat.
What Is Zakat
Zakat is a yearly payment that Muslims give from their wealth to support those in need. It is one of the five pillars of Islam and a clear duty for anyone who meets the conditions.
If you have held certain types of wealth like gold, cash, savings, business items, or loans owed to you for a full Islamic year, and the total reaches the nisab, you give 2.5 percent as zakat.
This money goes to the poor, the needy, and others listed in the Quran. Zakat helps clean your wealth, brings balance to society, and shows your obedience to Allah.
Zakat Eligibility Criteria (Nisab)
To be eligible to pay zakat, you must be a Muslim who is sane, an adult, and the full owner of the wealth. That wealth must be above a certain limit called nisab, and you must have owned it for one full lunar year.
But not everything you own is zakatable. Zakat is only due on specific types of wealth that are considered productive or growing in nature.
These include:
- Gold and silver in any form—jewelry, coins, bars
- Cash in hand, bank accounts, mobile wallets, or saved for future use
- Trade goods or business inventory held for sale
- Investments, including shares, mutual funds, and crypto
- Rental income, if it has been saved and remains unused
- Loans you have given out, if you are confident they will be repaid
- Agricultural produce, livestock, and assets meant for sale (if applicable)
Zakat is not due on:
- Your home, furniture, car, or any personal items you use daily
- Clothing, kitchen items, or tools you use for your job
- Long-term loans you’ve taken or debts that cancel out your extra wealth
- Business tools or machines used in the process of earning but not held for resale
- Salary receivables or payments that you have not yet received
If your total zakatable assets, after subtracting immediate liabilities, equal or exceed the nisab, and you’ve owned them for a year, then 2.5 percent is due as zakat. This is your annual responsibility, and it purifies the wealth you have.
What Is the Exact Nisab Of Zakat
The exact nisab of zakat depends on the current market value of gold or silver, because the nisab is based on their weight.
According to Hanafi fiqh:
- Gold nisab = 87.48 grams of gold
- Silver nisab = 612.36 grams of silver
Important: You only need to meet one of these. If you own only gold, the gold nisab applies.
But if you own a mix of assets (cash, gold, business stock, etc.), the silver nisab applies, because it benefits more poor people by lowering the threshold.
To find the exact nisab in your currency, multiply the current rate of gold or silver per gram with the weights above.
For example
- If silver is 150 PKR per gram, then the silver nisab is 150 × 612.36 = 91,854 PKR
- If gold is 20,000 PKR per gram, then the gold nisab is 20,000 × 87.48 = 1,749,600 PKR
(These are example figures for explanation)
If your wealth (after deductions) equals or exceeds this amount, Zakat is Wajib on you (means you must pay 2.5% zakat on your zakatable wealth)
You can use tools like Google or local market websites to check today’s gold and silver rates.
Zakat Eligiblity Yearly Cycle – What Does It Mean To Own Wealth For One Full Year?
Note: Always use the Islamic Hijri Date to calculate your Zakat. Use our Hijri Gregorian converter to find the correct Islamic dates.
When you meet the Zakat Nisab for the first time, a full Islamic year needs to pass before you become eligible to pay zakat.
Let me explain.
Let’s say you get enough money that meets the nisab of zakat for the first time in your life on 1st Shawwal 1440. This makes you almost eligible to pay zakat.
Note down this date, because this is the start of your zakat cycle.
Your zakat clock starts ticking. But you don’t have to pay zakat just yet.
Now, when a full Islamic year passes and you reach 1st Shawwal 1441, check your wealth again. If your total zakatable assets are still equal to or above the nisab, then you now pay zakat, 2.5% of your total.
But if your wealth on that date has dropped below the nisab, you don’t pay zakat. Simple.
Let’s say you continue to stay above nisab every year and you keep checking your wealth on 1st Shawwal. If each year your wealth is still zakatable, you keep paying zakat on that same date.
But one year, when you check on 1st Shawwal, you find your wealth has dropped below the zakat threshold. You skip zakat that year. And this is important—your zakat cycle resets.
The next time your wealth rises again and meets or passes the nisab—let’s say this time it happens on 3rd Zul Hijjah—you note down that date.
One full Islamic year later, on 3rd Zul Hijjah, check again. If your wealth is still zakatable, you pay zakat.
That’s how the lunar year cycle works for zakat. It’s consistent, clear, and easy to track once you fix your zakat date.
Action Points:
- Note down the date you first had enough wealth to meet the Zakat Nisab, that’s your Zakat date.
- If you don’t remember the exact date, think hard and choose the date that feels closest.
- If you’re completely clueless about the date and have no means to find it, choose today’s date as the start of your Zakat cycle (if you meet the nisab).
- If you feel you’ve had more wealth than the Zakat Nisab for years, think back to the year you first got it. Then calculate your zakat for every year based on that date.
- If you have only just got enough wealth to meet the Zakat Nisab, note down the date and check your wealth on the same date next year to see if you still meet the Nisab.
Consult a scholar if you’re confused or need more clarification. Zakat is a sensitive matter, don’t take it lightly.
Who Is Eligible To Receive Zakat?
To receive zakat, a person must be genuinely poor or in need. In simple terms, this means they do not own wealth or belongings that reach the nisab—the minimum amount that makes paying zakat obligatory.
The nisab is equal to the value of 612.36 grams of silver.
But it’s not just about total wealth; it’s about extra wealth beyond a person’s basic needs.
A person is eligible to receive zakat if:
- They do not own enough money, gold, silver, or assets whose total value reaches the nisab.
- Whatever they own is used to meet daily needs like housing, clothing, kitchen items, work tools, personal transport, or a basic servant. These essentials are not counted when checking zakat eligibility.
- They are not a Sayyid or from the family of the Prophet ﷺ (like the descendants of Ali, Abbas, Ja‘far, Aqeel, or Harith ibn Abdul Muttalib), as they cannot receive zakat according to Hanafi fiqh.
If someone has some savings or jewelry, and the combined value is still less than the nisab, they can receive zakat. But if it adds up to the nisab or more, they are not eligible.
As the one giving zakat, you don’t need deep investigation. If the person’s appearance, behavior, or words make you strongly believe they are in need, it is enough. You can trust what they say, or rely on your own judgment based on their condition. Zakat given under that honest assumption is valid.
This careful balance ensures zakat supports those who truly need help—without causing shame, pressure, or unnecessary questioning.
How to Calculate Zakat on Gold and Silver
Zakat is due on all gold and silver you own—whether it’s jewelry, coins, bars, or savings. It doesn’t matter if you wear it daily or keep it locked away. According to Hanafi fiqh, personal use does not exempt gold or silver from zakat.
What Counts?
- Gold jewelry (rings, bangles, necklaces)
- Silver jewelry and utensils
- Gold and silver bars or coins saved for value
- Bridal sets or family jewelry, even if used occasionally
You must add up all the gold and silver you own, regardless of form or purpose. Zakat becomes due when their total value reaches the nisab and stays there for one lunar year.
Here’s how to calculate
- Weigh your gold or silver in grams or tola.
- Find the latest market rate in your local currency.
Use reliable sources or Google:
e.g. “gold rate today in PKR” - Multiply the weight by the rate to get the total value.
- Pay 2.5% of that value as zakat.
Let’s say you have 10 tola of gold. The rate today is 220,000 PKR per tola.
- 10 tola × 220,000 = 2,200,000 PKR
- 2.5% of 2,200,000 = 55,000 PKR zakat due
If you own both gold and silver, combine their values to check nisab and calculate zakat on the total. And if your gold or silver is mixed with other zakatable assets (cash, business stock, etc.), include everything in your final calculation.
Use our calculator to make it easier. Just enter the weight and today’s rate, and we’ll handle the rest.
How to Calculate Zakat on Investments and Savings
Zakat is also due on money you’ve saved and investments you’ve made—whether the money is sitting in a bank account or tied up in shares, mutual funds, or crypto. If the amount you own stays above the nisab for a full lunar year, you must pay zakat on it.
For savings, the rule is simple. Add up all the money in your bank accounts, cash at home, or any other liquid funds you own on your zakat date. This includes money you’ve set aside for Hajj, weddings, school fees, emergencies, or any other future purpose. If it’s not needed immediately for daily use, it counts.
Zakat is due on the full amount saved, even if some of it was earned recently. The timing of when the money came in doesn’t matter—what matters is what you have on your zakat due date.
For investments, such as shares, mutual funds, or crypto, there are two approaches. For most people, it’s enough to calculate zakat on the full current market value. But if you want to be more precise (especially for large shareholdings), you can calculate zakat only on your share of the company’s zakatable assets. This means checking the company’s balance sheet and excluding fixed assets like buildings and machinery.
You should also include any profit or dividends you’ve received if you still have them in your possession.
If the value of all your savings and investments—combined with your other zakatable assets—is equal to or above the nisab, you calculate 2.5% and pay that as zakat.
The key is to take a fair market value of everything you own on your zakat date. Our calculator does the math for you and also includes guidance for more accurate share valuation if needed.
How Many Currencies Does the Zakat Calculator Support?
Our Zakat Calculator supports 13 major currencies, so you can calculate zakat in the currency you actually use. Whether you’re in South Asia, the Middle East, North America, or elsewhere, you can choose your local currency and get accurate results.
It supports:
- Pakistani Rupee (PKR)
- Indian Rupee (INR)
- Bangladeshi Taka (BDT)
- US Dollar (USD)
- Australian Dollar (AUD)
- Canadian Dollar (CAD)
- Saudi Riyal (SAR)
- UAE Dirham (AED)
- Euro (EUR)
- British Pound (GBP)
- Indonesian Rupiah (IDR)
- Malaysian Ringgit (MYR)
- Chinese Yuan (CNY)
You simply select your currency before starting, and the entire calculation is done in that currency. We’ve also added a Google link next to the gold and silver rate fields so you can quickly search the current price in your local market. This makes the process smooth and accurate, no matter where you are.
What If You Have Unpaid Zakat From Previous Years?
If you missed paying zakat in the past—even by accident—it doesn’t go away. Zakat is a debt you owe to Allah and to the poor. You must calculate how much you owed for each missed year and pay it as soon as possible.
Start by estimating the total value of your zakatable assets at the end of each missed year. Don’t worry if you can’t recall exact figures—use your best judgment based on your income, savings, and lifestyle at the time. Once you estimate the amount, calculate 2.5% for each year separately, and keep a record of what you’ve paid and what remains.
You can pay all of it at once or gradually, depending on your current financial ability. But until it’s paid, it stays due. Also remember, this unpaid zakat has nothing to do with the current year’s zakat. That must still be paid on time, based on your present wealth.
Unpaid zakat is not optional charity—it’s a binding obligation. If you delay it knowingly or carelessly, it becomes sinful. So make a clear plan, and start clearing the past dues as soon as you can.
How to Ensure Your Zakat Is Paid Validly
Paying zakat is not just about sending money somewhere and feeling good. For your zakat to be counted in the eyes of Allah, it has to be given the right way, to the right person.
Islam clearly states that zakat must reach someone who is eligible to receive it. That person must be made the owner of the zakat money. Once they receive it, they can use it however they want.
That’s what makes it valid. If you give money to a cause, a project, or an organization, and it doesn’t go directly into the hands of a deserving person, your zakat is not fulfilled.
That amount is counted as general charity (sadaqah), but your obligation of zakat remains unpaid.
This is where many people make a mistake. They send their zakat to hospitals, schools, or charitable foundations without checking how it’s used.
There’s nothing wrong with supporting those causes.
But when it comes to zakat, you have to be sure that the organization understands the Islamic rulings and has proper systems in place to distribute zakat correctly.
It should be supervised by a qualified Islamic scholar and must ensure that zakat is spent only on those who are eligible, like the poor, the indebted, or those listed in the Quran.
Administrative costs, overheads, or indirect spending are not valid uses of zakat. If your zakat is used to pay salaries or build offices, it doesn’t count.
You remain responsible until your zakat reaches the hands of someone who truly needs it.