Zakat Calculator with Nisab
Calculate your Zakat accurately with automatic Nisab threshold calculation. Nisab is the minimum amount of wealth a Muslim must possess for one lunar year before Zakat becomes obligatory.
📊 Nisab Threshold
Nisab is calculated based on the value of 87.48 grams of gold OR 612.36 grams of silver. The lower value is used to determine eligibility.
Gold Nisab (87.48g)
Silver Nisab (612.36g)
Applicable Nisab
⏳ Enter your wealth details to check Zakat eligibility
Your total wealth will be compared against the Nisab threshold
Enter Current Rates
* Please enter today’s rates or fetch live rates to calculate Nisab and your Zakat accurately
📋 How Zakat is Calculated
Step 1: Calculate Nisab = Lower of (87.48g × Gold Rate) OR (612.36g × Silver Rate)
Step 2: Add all your assets (Gold, Silver, Cash, Investments, Property, Business, etc.)
Step 3: Subtract liabilities (permissible loans and debts)
Step 4: If (Total Assets – Liabilities) ≥ Nisab, then Zakat = 2.5% of net wealth
Step 5: Agricultural produce has different rates (5%, 7.5%, or 10%)
24 Carat Gold/Jewelry
22 Carat Gold/Jewelry
18 Carat Gold/Jewelry
Other Gold Valuables
Diamonds, Rubies, etc. (Please consult an Aalim)
Silver Items (Utensils, Artifacts, Jewelry)
📖 The Eight Categories of Zakat Recipients (Asnaf al-Zakat)
According to Surah At-Tawbah (9:60), Zakat must be distributed among eight specific categories. Understanding these categories ensures your Zakat reaches those truly deserving according to Sharia principles.
1. Al-Fuqara (الفقراء)
The Poor
People with very little or no income who cannot meet basic daily needs such as food, shelter, and clothing.
2. Al-Masakin (المساكين)
The Needy
People who have some income but it is insufficient to cover essential expenses like rent, food, and medical care.
3. Al-Amileen (العاملين عليها)
Zakat Administrators
Those who collect, manage, and distribute Zakat. Many platforms use government funding for operations to ensure 100% of donations reach beneficiaries.
4. Al-Mu’allafatu Qulubuhum (المؤلفة قلوبهم)
Those Whose Hearts Are to Be Reconciled
New Muslims or those needing support to strengthen their faith and integration into the Muslim community.
5. Fir-Riqab (في الرقاب)
Freeing Captives
Traditionally for freeing slaves; today includes helping those in bondage, human trafficking victims, or prisoners trapped by overwhelming financial debt.
6. Al-Gharimeen (الغارمين)
Those in Debt
Individuals overwhelmed by legitimate debts (medical bills, essential expenses) that they have no realistic means to repay.
7. Fi Sabilillah (في سبيل الله)
In the Cause of Allah
Broadly used for community well-being, Islamic education, healthcare projects, building mosques, and defending the faith.
8. Ibn al-Sabeel (ابن السبيل)
The Wayfarer
Stranded travelers or refugees who are away from home and have run out of money, regardless of their wealth back home.
🔍 Modern Zakat Platform Verification
Digital platforms ensure compliance through:
• Auditing Algorithms: Automated systems filter out ineligible recipients based on Sharia criteria
• Verifying Beneficiaries: Cross-checking with social security and financial databases to confirm genuine need
• Purification of Wealth: Providing fatwas on modern assets like cryptocurrencies and digital assets (generally subject to 2.5% Zakat)
• Transparency Reports: Regular audits by Islamic scholars to ensure proper distribution
💡 Important Note on Distribution
You are not required to distribute your Zakat equally among all eight categories. Scholars agree that Zakat can be given to one or more categories based on the most pressing needs in your community. Many choose to prioritize Al-Fuqara (The Poor) and Al-Masakin (The Needy) as they represent the most vulnerable.
Sadaqah vs Zakat
| Aspect | Zakat | Sadaqah |
|---|---|---|
| Nature | Obligatory (one of the five pillars of Islam) | Voluntary charity |
| Amount | Fixed at 2.5% of eligible wealth above Nisab | Any amount, no minimum or fixed rate |
| Eligibility | Required if wealth meets Nisab for one lunar year | No eligibility threshold; can be given anytime |
| Recipients | Specific 8 categories as per Quran (9:60) | Any good cause, including non-Muslims |
| Purpose | Purifies wealth, obligatory worship | Voluntary act of kindness, ongoing charity |
| Timing | Annually on Zakat due date | Anytime, encouraged daily |
Important Notes – Please Read
What is Nisab?
Nisab: Minimum wealth threshold for Zakat obligation. Calculated as lower of 87.48g gold or 612.36g silver value. Zakat due if wealth ≥ Nisab for one lunar year.
Zakat Calculation Formula
Nisab = min(87.48g × Gold Rate, 612.36g × Silver Rate)
Total Assets = Gold + Silver + Cash + Investments + Property + Business + Agriculture + Animals
Net Wealth = Assets – Liabilities
If Net Wealth ≥ Nisab: Zakat = 2.5% × Net Wealth
Agricultural: Separate rates (5-10%)
Zakat Due Date
Fix a date (e.g., 1st Ramzan). Due after one lunar year (Hawl) on wealth ≥ Nisab. Remains fixed annually.
Zakat on Gold and Silver
2.5% of market value on due date. Includes jewelry, utensils. Some exempt worn jewelry; consult scholar.
Zakat on Cash and Bank Balances
2.5% on all cash and bank balances (savings, current, FD) on due date.
Zakat on Investments
2.5% on market value: Shares (full value), Bonds (value + profit), Loans receivable, Insurance (surrender value), Pensions (if accessible), Crypto (market value).
Zakat on Business
2.5% on (Stock at cost/market + Receivables – Payables).
Zakat on Agricultural Produce
Paid at harvest: 10% rain-dependent, 5% artificial irrigation, 7.5% partial. Nisab ~653kg wheat equivalent.
Liabilities Deductions
Deduct only business/investment loans. Exclude personal loans (car, house).
Why Lower Nisab Value?
Uses lower gold/silver value to include more payers, increasing aid to needy.
Islamic Finance Principles Related to Zakat
Obligatory Nature and Purification
Zakat: Obligatory pillar, 2.5% of wealth to purify assets and foster spiritual growth.
Social Justice and Wealth Redistribution
Redistributes wealth, alleviates poverty, promotes economic stability and community support.
Prohibition of Riba, Gharar, and Maisir
Aligns with bans on interest, uncertainty, gambling; emphasizes ethical, risk-sharing finance.
Eligibility and Distribution
Due on wealth ≥ Nisab for one year; distributed to 8 Quranic categories (9:60).
Integration with Modern Finance
Combines with ESG, digital platforms for Sharia compliance, asset-based financing, social welfare.