Zakat Calculator

Nisab is the minimum amount of wealth one must possess before Zakat becomes payable [citation:2][citation:4]. It serves as the threshold or exemption limit for Zakat obligation [citation:9].

There are two Nisab measures:

• ✅ Gold Nisab: 85 grams of gold (approximately 3 ounces) [citation:1][citation:3][citation:10]
• ✅ Silver Nisab: 612.36 grams of silver (approximately 21 ounces) [citation:3][citation:4][citation:10]

The value of Nisab fluctuates with market prices for gold and silver [citation:3][citation:9]. If one's wealth drops below the Nisab at the end of the year, no Zakat is due [citation:6][citation:10].

Zakat is calculated at 2.5% of one's total zakatable wealth (net assets) after subtracting liabilities [citation:1][citation:2][citation:4].

Calculation Steps:

1. Calculate total assets: Cash, gold, silver, investments, business inventory, money lent out [citation:2][citation:4]
2. Subtract liabilities: Debts, taxes, rent, and other immediate expenses due [citation:2][citation:4]
3. Check Nisab: If net wealth exceeds Nisab, Zakat is due [citation:2]
4. Multiply by 0.025: Zakat = Net Zakatable Wealth × 2.5% [citation:1][citation:2]

Formula: Zakat = (Total Assets − Total Liabilities) × 2.5% [citation:1][citation:2]

Zakatable assets include:

• ✅ Cash: Cash in hand and bank accounts (savings and checking) [citation:4][citation:9]
• ✅ Gold and Silver: All gold and silver owned, including jewelry [citation:4][citation:8][citation:11]
• ✅ Investments: Shares, stocks, bonds, and pension plans [citation:4][citation:9][citation:10]
• ✅ Business Assets: Business cash, inventory, and goods for sale [citation:2][citation:4][citation:10]
• ✅ Money Lent Out: Loans given to others (if the debtor is able to pay) [citation:2][citation:4][citation:9]
• ✅ Refundable Deposits: Deposits like apartment security deposits [citation:9]

Note: Personal items of living necessity (house, car, clothes, furniture) are not zakatable [citation:4][citation:10].

Deductible liabilities include:

• ✅ Debts: Short-term loans payable within the year [citation:2][citation:4]
• ✅ Immediate expenses: Tax, rent, and other bills due immediately [citation:2][citation:4]
• ✅ Living expenses: Costs of living and day-to-day necessities [citation:6][citation:10]

Important rules:

• ✅ Debts are deductible if they are to be repaid in full within the next 12 months [citation:4]
• ✅ For instalment debts, only the 12-month portion is deductible [citation:4]
• ✅ Debts not repayable at all in the next 12 months are NOT deductible [citation:4]

Zakat is due after one lunar (Hijri) year has passed over the wealth [citation:2][citation:4][citation:9].

• ✅ The Zakat year starts when you first possess the Nisab amount [citation:10]
• ✅ It ends on the same date the following lunar year [citation:10]
• ✅ Fluctuations during the year do not matter, unless wealth drops to zero [citation:10]
• ✅ Ramadan is considered the best time to pay Zakat [citation:9]

Important: One must possess the Nisab both at the beginning and at the end of the Zakat year for Zakat to be due [citation:6][citation:10].

Zakat is compulsory on all gold in one's ownership for whatever reason and in whichever form [citation:4].

If a person owns gold and silver, they must combine these values and assess them together for Nisab purposes [citation:11].

• ✅ Gold used: Zakat is calculated on the full weight of gold jewelry if it equals or exceeds the uruf (customary threshold) [citation:8]
• ✅ Stored gold: Zakat is mandatory if the weight is 85 grams or more [citation:8]

Note: If gold and silver are combined with cash, all items are added together to determine if the total equals the Nisab [citation:7][citation:11].

Zakat applies to shares and investments purchased for resale or as an investment [citation:4][citation:10].

• ✅ Shares for resale: Valued at their current market price [citation:4]
• ✅ Business shares: Calculated based on the retail price of goods [citation:4]
• ✅ Finished goods: Valued at sale price [citation:4]
• ✅ Unfinished goods: Valued at market price [citation:4]

Note: Fixed assets in a business (buildings, equipment) are not zakatable [citation:4].

Zakat can be given to the following recipients [citation:4][citation:10]:

• ✅ Needy person – Anyone who does not possess the Nisab [citation:4][citation:10]
• ✅ Debtor – Someone whose debts exceed their zakatable assets [citation:4]

Zakat cannot be given to:

• ❌ Rich people – Those who possess more than the Nisab [citation:4]
• ❌ Non-Muslims [citation:4]
• ❌ Parents, grandparents, children, or spouse [citation:4]
• ❌ Construction projects [citation:4]

Note: It is permissible to give Zakat to a needy brother or sister [citation:4]. An institute can be used as a distribution channel if it disperses Zakat to eligible recipients [citation:10].

If you have not paid Zakat for previous years, you should make up for those missed payments [citation:4].

• ✅ Estimate how many years were missed [citation:4]
• ✅ Calculate what your net assets were each year [citation:4]
• ✅ Pay Zakat accordingly for each missed year [citation:4]

Tip: Seek guidance from a local Islamic scholar or Imam if you need assistance with estimating previous years' calculations.

Yes. The Zakat Calculator on Royal Calc is completely free and private to use. No registration or payment is required. All calculations are performed directly in your browser, ensuring your financial data remains private and secure [citation:1][citation:5].