Nisab is the minimum wealth level that makes a Muslim liable to pay Zakat. It is commonly measured as 87.48 grams of gold or 612.36 grams of silver in cash value. Many scholars recommend the silver Nisab because it is lower, which ensures more people are eligible to give.

Should I pay Zakat on my house or car?

No. Personal-use homes, cars, furniture and machinery used in business are not zakatable. Only trading stock, cash, gold, silver, investments and receivables are counted.

Which debts can be deducted?

Short-term obligations that must be paid immediately or in the next 12 months, such as a due credit-card balance, unpaid bills or a loan instalment, may be deducted. Long-term mortgage principal is treated differently by different scholars; consult a qualified authority for your case.

Zakat Calculator

Q: How is Zakat calculated?

Zakat is 2.5% of the net value of zakatable wealth held for one lunar year. Add cash, bank balances, gold, silver, investments and business assets, subtract short-term liabilities due now, compare the total with the Nisab threshold, then pay 2.5% of the total if it is above Nisab.

Q: Is Zakat 2.5% or 2.577%?

2.5% is the common annual figure. Because the Islamic lunar year is 11 days shorter than the Gregorian year, some scholars use 2.577% when calculating from a Gregorian anniversary date. This calculator allows both.

Work out your annual Zakat in minutes. Enter what you own and owe — the calculator handles the Nisab check and gives you the exact amount due.

Updated November 2026 · Nisab checked automatically

Cash, bank & savings

Cash in hand, current and savings accounts, wallets.

Gold value

Approx. — of gold.

Silver value

Gold rate / gram

Silver rate / gram

Current market rates are used for the Nisab.

Investments & shares

Mutual funds, equities, fixed deposits, provident funds (per your scholar's view).

Business assets & stock

Saleable stock and inventory only — not shop fixtures or machinery.

Money owed to you

Less: debts due now

Nisab & rate options

Zakat summary

Zakat payable

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Gross zakatable assets

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Net wealth (after debts)

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Nisab threshold (Silver)

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Exact Zakat amount

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Below Nisab — no Zakat due

Assets by category

Asset breakdown

What is Zakat?

Zakat is one of the five pillars of Islam: an obligatory annual contribution of 2.5% of savings and wealth that has been held for one lunar year (Hawl) and exceeds the Nisab threshold. It is a right of the poor on the wealth of those who have more than they need.

What counts as zakatable wealth

Cash and bank balances — including amounts in wallets and fixed deposits.
Gold and silver — jewellery you own, coins and bullion, valued at current market price.
Investments — shares, mutual funds and similar assets held for growth or trade.
Business assets — trading stock, saleable inventory and cash held for business.
Receivables — money you are owed that you reasonably expect to receive.

Excluded: your home, personal-use car, furniture, tools and machinery used for business.

The Nisab threshold

Nisab is the minimum wealth that triggers Zakat. The two classical measures:

Gold Nisab: 87.48 grams (7.5 tola)
Silver Nisab: 612.36 grams (52.5 tola)

Because silver is usually cheaper, the silver Nisab threshold is lower and therefore makes more people eligible. This calculator uses the silver Nisab by default and lets you switch to gold at any time.

Zakat = (Total assets − Immediate debts) × 2.5%

When to pay

Choose a fixed hijri date each year — many people use the first of Ramadan. On that date, add up zakatable assets, subtract debts due, check the Nisab and pay 2.5%. It is fine to pay earlier or in instalments as long as the annual obligation is fulfilled.

School of thought, business structure and long-term debt treatment can affect your calculation. Please confirm with a qualified scholar or your local zakat committee for your specific situation.

Zakat frequently asked questions

How is Zakat calculated?

Add all zakatable wealth (cash, gold, silver, investments, trading stock, receivables), subtract debts due now, compare the result with the Nisab and pay 2.5% of the total if it is above Nisab.

Is Zakat 2.5% or 2.577%?

2.5% is the standard. The lunar year is about 11 days shorter than the Gregorian year, so some scholars use 2.577% when paying on a Gregorian anniversary. Choose the option that matches your scholar's guidance.

Do I pay Zakat on gold jewellery I wear?

Opinions differ. Many scholars hold that gold jewellery in regular use is still zakatable above the Nisab; others exempt reasonable personal jewellery. Check the ruling followed in your school and community.

Do I pay Zakat on a house I rent out?

The property itself is not zakatable if held for long-term income, but the rental income saved is. If the property is held for resale, its market value is zakatable.

Can I deduct my mortgage or long-term loan?

Most scholars allow deducting only amounts due within the next year, not the whole outstanding principal. Use the debts-due-now field for that figure.

Disclaimer: This calculator applies the widely used standard formula (2.5% of net zakatable wealth above Nisab). It is an aid, not a religious ruling. Consult a qualified scholar for personal circumstances, and confirm current gold and silver rates before paying.