Online Zakat Calculator 2025

Zakat is one of the Five Pillars of Islam, a mandatory charitable contribution for eligible Muslims. You must pay Zakat if you're an adult Muslim of sound mind whose wealth exceeds the Nisab threshold (equivalent to about 87.48g of gold or 612.36g of silver) and has been in your possession for one complete lunar year (Hawl).

To calculate Zakat on cash and bank accounts, add up all balances from checking accounts, savings accounts, and cash on hand. Then calculate 2.5% of the total amount. For example, if you have $20,000 in total cash, your Zakat would be $500. This must be paid if your total wealth exceeds the Nisab threshold and has been held for one lunar year.

For gold Zakat calculation, first determine the current market value of all your gold (regardless of form - jewelry, coins, or bars). If the total weight exceeds 87.48g (about 3.08oz), calculate 2.5% of its current market value. The Hanafi school considers all gold zakatable regardless of purpose, while other schools may exempt gold jewelry in reasonable use. Our calculator supports both approaches.

Zakat should always be calculated on the current market value of gold, not its purchase price. This applies to all forms of gold including jewelry, coins, and bullion. Our calculator automatically uses current gold prices to help determine both your Nisab threshold and the Zakat due on your gold assets.

For investments like stocks and mutual funds, calculate 2.5% of their current market value if purchased for trading/capital gains. If held for dividends only, some scholars suggest Zakat is due only on dividends received. Most contemporary scholars recommend calculating 2.5% on the full market value of all investment holdings. Business investments follow different rules based on the nature of the business.

Zakat (also called Zakat al-Mal) is the annual 2.5% obligation on wealth, while Zakat al-Fitr is a fixed amount per person paid at the end of Ramadan before Eid prayers. Zakat al-Fitr is mandatory for every Muslim who has more than the day's food for themselves and their family, regardless of whether they reach the Nisab threshold. It equals approximately the value of one meal or about 2.5kg of staple food.

Yes, you can deduct debts that are due for payment from your zakatable assets. This includes immediate liabilities like bills, taxes, short-term loans, and wages owed. For long-term debts like mortgages, scholars differ: Hanafi scholars generally allow deducting the entire debt, while other schools typically allow deducting only the amount due within the current year. Our calculator offers settings for different approaches.

No, you do not need to pay Zakat on your primary residence, personal vehicle, household furniture, clothing, or personal items used regularly. These assets are considered essential for basic living needs and are exempt from Zakat calculations. However, if you own additional properties or vehicles for investment purposes, those would be subject to Zakat.

Scholars differ on retirement accounts like 401(k) and pension funds. Some consider only the accessible portion zakatable, while others suggest including the full value if ownership is complete, even if access is restricted. The Hanafi view generally requires Zakat on the current accessible balance, while other schools might consider the restrictions on access. Our calculator allows you to select different approaches based on madhab preferences.

Yes, Zakat is an annual obligation on eligible assets. If your wealth remains above the Nisab threshold from one year to the next, you must pay Zakat on those assets annually. Each type of asset must complete its own Hawl (lunar year) period. Many Muslims choose a fixed date each year (often during Ramadan) to assess all their assets and calculate their total Zakat obligation.

Yes, our Zakat calculator supports multiple currencies including USD, GBP, EUR, PKR (Pakistani Rupees), INR (Indian Rupees), MYR (Malaysian Ringgit), and many others. The calculator automatically converts and calculates the appropriate Nisab threshold in your selected currency based on current gold and silver prices, ensuring accurate calculations regardless of your location or preferred currency.

If you missed paying Zakat in previous years, you must calculate and pay the amount that was due for each year missed. Zakat is considered a debt owed to Allah and to the rightful recipients. You should calculate based on the assets you had and the Nisab threshold applicable during each missed year. If exact calculations are difficult, make a good faith estimate and add some extra to ensure complete fulfillment of the obligation.