What is Zakat
Zakat is one of the Five Pillars of Islam — an obligatory act of charity that requires eligible Muslims to give a portion of their wealth, typically 2.5%, to those in need each lunar year. It applies to wealth that has been held for a full year and exceeds a minimum threshold called the nisab.
What counts as zakatable wealth
- Cash on hand and in bank accounts
- Gold, silver, and other precious metals
- Investments, shares, and savings
- Business inventory and trade goods
Outstanding debts you owe are generally subtracted from your total before calculating what's due, which is why this calculator includes a "debts owed" field.
Nisab and Hawl
The nisab is a minimum wealth threshold, traditionally based on the value of a fixed amount of gold or silver — you only owe zakat if your net wealth is at or above this line. The hawl is the requirement that this wealth must have been held for one full lunar year before zakat becomes due on it.
Frequently asked questions
Do I pay zakat on jewelry I wear regularly?
Scholars differ on this — some schools of thought exempt personal-use jewelry, while others include it. It's best to check with a knowledgeable scholar or your local Islamic authority for guidance specific to your school of thought.
What if my wealth fluctuates throughout the year?
Most guidance uses the wealth you hold on your zakat due date (often the same lunar date each year), rather than tracking every fluctuation in between, as long as you stayed above the nisab for the year.
When exactly is zakat due?
One full lunar (Hijri) year after your wealth first reached the nisab threshold — many people choose a fixed date, such as during Ramadan, to calculate and pay it consistently every year.
This calculator provides a general estimate. Nisab values and specific rulings vary by school of thought and current gold/silver prices — consult a qualified scholar for guidance on your individual situation.