Work out what's due on wealth held for one lunar year. Nothing here is saved.
Silver standard (612.36g) — the lower, more commonly recommended threshold.
Savings, current accounts, cash on hand
Market value of gold you own (jewelry counted by most scholars)
Market value of silver you own
Current market value, not purchase price
Stock for sale, money owed to you
Money you owe and must repay soon.
Below nisab (Rs. 6,20,000) — not obligatory this year.
General estimate only. For debts or business assets, consult a scholar.
Zakat is one of the five pillars of Islam — an obligatory act of worship where eligible Muslims give a portion of their wealth to those in need. It applies once a year to wealth that has been held above the nisab threshold for a full lunar (Hijri) year, and is calculated at a fixed rate of 2.5%.
This tool follows the standard method used by most scholars:
Suppose you have Rs. 800,000 in cash and bank savings, gold worth Rs. 300,000, and Rs. 100,000 owed to you that you expect to recover soon. You also owe Rs. 50,000 in a short-term loan due this month.
Rs. 800,000 + Rs. 300,000 + Rs. 100,000 − Rs. 50,000 = Rs. 1,150,000 net zakatable wealth.
Since this is above the silver nisab threshold (~Rs. 620,000), Zakat is due at 2.5%: Rs. 1,150,000 × 2.5% = Rs. 28,750.
Nisab can be calculated using either 87.48g of gold or 612.36g of silver. Because silver's value per gram is much lower, the silver-based threshold is significantly lower — meaning more people qualify to pay Zakat, and the poor receive more support. This is why most contemporary scholars recommend the silver standard by default, especially for cash and mixed-asset calculations. If you're unsure, this calculator defaults to silver — the more commonly recommended, cautious approach.
Zakat isn't due on income as you earn it — it's due on wealth you've held for one full lunar (Hijri) year. Most people choose a fixed annual date, commonly the 1st of Ramadan, and calculate everything they own on that date each year. This makes tracking simpler and ensures consistency, rather than recalculating every time your balance changes.
How is Zakat calculated?
Add up all your zakatable assets — cash, gold, silver, investments, and business stock — then subtract any debts due immediately. If the remaining amount is at or above the nisab threshold, Zakat is 2.5% of that total.
What is nisab?
Nisab is the minimum amount of wealth a Muslim must have before Zakat becomes obligatory. It's traditionally set at the value of 87.48g of gold or 612.36g of silver. Most scholars today recommend using the silver standard, since it results in a lower threshold and more people paying Zakat.
Do I pay Zakat on gold jewelry I wear?
This is debated among scholars. Many hold that jewelry worn regularly for personal use is exempt, while others say all gold and silver — worn or not — is zakatable. If you're unsure, it's safer to include it, or ask a scholar you trust.
Do I subtract all my debts?
Only debts that are due immediately or within the near term (like a bill or short-term loan) are subtracted. Long-term debts, like the remaining balance on a home loan, are generally not deducted in full — only the portion due soon.
What if my wealth changes throughout the year?
Zakat is due on wealth you've held for one full lunar (Hijri) year, calculated on your Zakat anniversary date, not the calendar year. Many people simply pick a fixed date each year (like the 1st of Ramadan) and calculate what they hold on that day.