# Zakat Calculator — 2.5% of Your Net Wealth > Calculate zakat on your wealth: cash, gold, silver, business and investments, minus debts, checked against the silver or gold nisab. Multi-currency. - **Category:** Finance & Money - **Interactive calculator:** https://youcalc.com/en/finance-money/zakat/ - **Price:** Free, no sign-up required ## Overview Zakat is the third pillar of Islam: an obligatory annual charity of 2.5% on the wealth a Muslim has held for a full lunar year (the hawl), provided that wealth reaches a minimum threshold called the nisab. This calculator adds up your zakatable assets — cash, bank balances, gold, silver, business stock, tradeable shares, money owed to you, and cryptocurrency — subtracts your short-term debts, and compares the result to the nisab so you can see whether zakat is due and exactly how much to give. ## How to read your result The large figure is your zakat due — 2.5% of your zakatable net wealth, shown only when that wealth reaches the nisab. Beneath it, three numbers tell the story: your net wealth (assets minus debts), the nisab value (the threshold, equal to the weight of your chosen metal multiplied by the price per gram you entered), and whether you are above or below it. If your net wealth is below the nisab, no zakat is owed for the year. The nisab moves with metal prices, so the value shown is only as current as the gold and silver prices you enter. ## Method Zakat al-mal (zakat on wealth) is one-fortieth — 2.5% — of your zakatable net wealth, due once that wealth equals or exceeds the nisab and a lunar year has passed. Net wealth is the sum of your zakatable assets (cash, bank balances, the market value of gold and silver, business inventory, shares held for trading, receivables you expect to recover, and crypto) minus short-term liabilities such as bills and loan instalments. The nisab is the value of a fixed weight of gold or silver: classically 85 g of gold or 595 g of silver (20 mithqal / 200 dirham), with a widely-used 7.5-tola convention of 87.48 g gold / 612.36 g silver. Because gold and silver trade at prices that change daily, you must enter the current price per gram yourself; the threshold is only as accurate as that figure. Many scholars and zakat organisations recommend the silver nisab by default, because its lower value means more wealth qualifies, which is the more cautious choice in favour of those entitled to receive zakat. ## Example - **Setup:** You hold the equivalent of 10,000 in cash with no debts. You choose the silver nisab (classical 595 g) and enter a silver price of 0.85 per gram. - **Result:** The nisab works out to 595 × 0.85 = 505.75. Your net wealth of 10,000 is well above it, so zakat is due: 10,000 × 2.5% = 250. ## Frequently asked questions ### How much zakat do I pay? Zakat on wealth is 2.5% (one-fortieth) of your zakatable net wealth — the total of your cash, gold, silver, business assets and other qualifying wealth, minus your short-term debts — provided that net wealth has reached the nisab and you have held it for a full lunar year. ### What is the nisab, and should I use gold or silver? The nisab is the minimum wealth at which zakat becomes obligatory. It equals the value of 85 g of gold or 595 g of silver (or 87.48 g / 612.36 g under the 7.5-tola standard). Because the silver threshold is much lower, using silver means more people owe zakat — many scholars recommend it as the default because it benefits the poor. You enter today's gold and silver prices yourself, since metal prices change daily. ### Which of my assets are zakatable? Zakat is due on cash, bank balances, gold and silver, business stock and inventory, shares bought to trade, money owed to you that you expect to be repaid, and cryptocurrency held as an investment. You deduct short-term liabilities (such as bills, rent and loan instalments due soon). Your home, personal car, clothing and tools of your trade are generally not zakatable. ### Does this calculator cover agriculture, livestock or buried treasure? No. It calculates zakat al-mal — zakat on monetary wealth — at 2.5%. Other categories follow different rules: agricultural produce is 5% (irrigated) or 10% (rain-fed); rikaz, meaning buried treasure or found minerals, is 20%; and livestock follows graduated scales based on herd size. For those, consult a qualified scholar. ### Is this a fatwa? No. This is an estimate to help you size your zakat. Rulings differ between schools of thought (madhahib) on which assets count and how some are valued. For your exact obligation, consult a qualified scholar or a trusted zakat organisation. ## Related calculators - [Hijri Age Calculator](https://youcalc.com/en/date-time/multi-calendar-age/) - [Ramadan Fasting Hours Calculator](https://youcalc.com/en/date-time/ramadan-fasting-hours/) - [Emergency Fund Calculator](https://youcalc.com/en/finance-money/emergency-fund/) - [FIRE Number Calculator](https://youcalc.com/en/finance-money/fire-number/) ## Sources - https://nzf.org.uk/nisab/ - https://www.zakat.org/how-zakat-calculated-on-wealth - https://www.zakat.org/how-do-you-calculate-zakat-on-gold - https://islamic-relief.org/zakat/nisab/ --- Interactive version: https://youcalc.com/en/finance-money/zakat/ · From YouCalc — https://youcalc.com