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    Zakat Calculator

    Calculate your annual Zakat obligation. Enter your assets and liabilities to find the 2.5% due on qualifying wealth above Nisab.

    Free to use. Runs in your browser.

    Zakat is 2.5% of your wealth held for one lunar year, payable on savings above the Nisab threshold (roughly £4,520 based on 87.48g of gold in 2026). Deduct debts from qualifying assets, then multiply by 0.025.

    Enter your assets and debts below to calculate your exact obligation.

    Assets (£)

    Deductions (£)

    Nisab Threshold (£)

    Based on the current price of 87.48g of gold. Check your local authority for the latest value.

    Total Assets

    £0.00

    Net Wealth

    £0.00

    Zakat Due (2.5%)

    £0.00

    This is an estimate only. Please consult a qualified Islamic scholar for a definitive ruling.

    Understanding Zakat: The Third Pillar of Islam

    Zakat is a mandatory annual charitable contribution, one of the Five Pillars of Islam. It requires Muslims whose wealth exceeds the Nisab threshold to give 2.5% of their qualifying wealth to those in need. It's not optional charity (that's Sadaqah), it's a religious obligation.

    The word "Zakat" means purification. The concept is that wealth is purified by giving a portion away, and that the right of the poor exists within the wealth of the rich. It's calculated once per lunar year (hawl) on assets held for a full year above the Nisab threshold.

    What Is and Isn't Zakatable

    Zakatable AssetsExempt Assets
    Cash in hand and bank accountsPrimary residence
    Gold and silver (including jewellery)Personal vehicle
    Investments, stocks, and sharesHousehold furniture and appliances
    Business stock and inventoryPersonal clothing and belongings
    Money owed to you (receivables)Tools of your trade
    Rental income and property held for investmentDebts you owe (deducted from total)

    What this means for you: Zakat applies to productive and liquid wealth, money that could circulate in the economy. Personal-use items are exempt because they serve daily needs, not wealth accumulation. Scholars differ on some categories (like pension funds and crypto), so consult a qualified scholar for your specific situation.

    Nisab Threshold Explained

    Gold Nisab

    87.48 grams of gold (approximately £4,500 to 6,000 depending on current gold prices). This is the more commonly used threshold and is typically higher than silver Nisab.

    Silver Nisab

    612.36 grams of silver (approximately £350 to 500). Using the silver Nisab means more people qualify to pay Zakat. Many scholars recommend using silver Nisab to benefit more recipients.

    Check the current Nisab with your local Islamic authority or a trusted Zakat charity. The value changes with gold and silver prices. This calculator uses a default based on gold Nisab, adjust it to match the current value in your currency.

    The Eight Categories of Zakat Recipients

    The Quran specifies exactly eight categories of people eligible to receive Zakat (Surah At-Tawbah, 9:60). You can distribute your Zakat to one or more of these groups:

    Category (Arabic)Who They AreModern Example
    Al-Fuqara (the poor)Those who cannot meet basic needsFamilies below the poverty line
    Al-Masakin (the needy)Those who have some income but not enoughWorking poor who struggle with essentials
    Amil Zakat (collectors)Those employed to administer ZakatStaff at Zakat charities and organisations
    Mu'allaf (new Muslims)Those whose hearts are to be reconciledNew converts needing community support
    Ar-Riqab (freeing captives)Those in bondage or slaveryModern anti-trafficking efforts
    Al-Gharimin (debtors)Those overwhelmed by debtPeople in debt due to medical bills or disaster
    Fi Sabilillah (God's cause)Those striving in the path of AllahIslamic education and community projects
    Ibn as-Sabil (travellers)Stranded travellers without resourcesRefugees and displaced persons

    What this means for you: Many UK Zakat charities (National Zakat Foundation, Islamic Relief, Muslim Aid) distribute across multiple categories. If you prefer to direct your Zakat yourself, ensure the recipient falls within one of these eight groups.

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    How to use this tool

    1

    Enter your assets, cash, savings, gold, investments

    2

    Enter any outstanding debts

    3

    Set the Nisab threshold for your region

    Common uses

    • Calculating your annual Zakat obligation
    • Determining if your wealth exceeds the Nisab threshold
    • Working out Zakat on combined assets and investments
    • Planning charitable giving during Ramadan
    • Checking Zakat liability after deducting debts

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    Frequently Asked Questions

    What is Zakat?
    Zakat is one of the Five Pillars of Islam, a mandatory annual charitable contribution of 2.5% of qualifying wealth above the Nisab threshold. It's not optional charity (that's Sadaqah), it's a religious obligation for every Muslim whose wealth exceeds Nisab for one lunar year.
    What is the Nisab threshold?
    Nisab is the minimum wealth above which Zakat becomes obligatory. It's based on the value of 87.48g of gold (approximately £4,500-6,000) or 612.36g of silver (approximately £350-500). Many scholars recommend using the silver Nisab to benefit more recipients.
    What assets are Zakatable?
    Cash in hand, bank savings, gold, silver, investments (stocks, shares, funds), business stock and inventory, money owed to you, and rental income property. Exempt: primary residence, personal vehicle, household items, personal clothing, and tools of your trade.
    When should I calculate Zakat?
    Zakat is due once per Islamic lunar year (hawl) from the date your wealth first exceeded Nisab. Many Muslims calculate during Ramadan. You can choose any fixed date, the key is consistency. Your wealth must have been above Nisab for a full year.
    Do I pay Zakat on my pension?
    Scholars differ on this. Some say Zakat is due on the accessible portion of your pension pot. Others say it's not due until you can withdraw the funds. Employer pension contributions that you can't access are generally not Zakatable. Consult a scholar for your specific situation.
    Is Zakat due on my mortgage debt?
    You can deduct debts that are currently due from your Zakatable wealth. A full mortgage balance is not typically deducted, only the current year's repayments. Some scholars allow deducting the next 12 months of mortgage payments. Seek specific scholarly guidance.
    Do I pay Zakat on gold jewellery?
    The Hanafi school considers all gold and silver jewellery Zakatable regardless of personal use. The Shafi'i, Maliki, and Hanbali schools generally exempt jewellery worn regularly for personal adornment (within reasonable limits). Follow the school of thought you adhere to.
    What about Zakat on cryptocurrency?
    Most contemporary scholars consider cryptocurrency Zakatable as it has monetary value and can be traded. Calculate based on the current market value on your Zakat date. It's treated similarly to cash savings or business commodities.
    Who can receive Zakat?
    Zakat can be given to eight categories specified in the Quran (9:60): the poor, the needy, Zakat administrators, those whose hearts are to be reconciled, freeing captives, those in debt, in the cause of Allah, and travellers in need. You cannot give Zakat to your direct dependents.
    Can I pay Zakat in advance?
    Yes, most scholars allow paying Zakat before the hawl is complete, particularly during Ramadan. The intention (niyyah) is what matters. Pre-payment is accepted as long as you've already exceeded Nisab and the full year's Zakat will be due.
    What about Zakat al-Fitr?
    Zakat al-Fitr is separate from Zakat al-Mal (wealth Zakat). It's a smaller, fixed amount due at the end of Ramadan before Eid prayer, typically the cost of one meal per family member (approximately £5-7 per person in the UK). This calculator handles Zakat al-Mal only.
    Is this a fatwa or religious ruling?
    No. This calculator provides a general estimate based on commonly accepted principles. Zakat rules have nuances that depend on your school of thought and personal circumstances. Please consult a qualified Islamic scholar or trusted Zakat charity for rulings specific to your situation.

    Results are for general informational purposes only and should be checked before use. They are not professional advice. See our Disclaimer and Terms of Service.