Zakat calculator
Enter today's gold or silver price and what you own and owe. The calculator checks the nisab and works out the 2.5% due. Nothing you enter leaves your device.
How zakat on wealth is calculated
- Add up zakatable wealth: cash at home and in the bank, gold and silver kept as savings, shares and investments, business stock for sale, and money owed to you that you expect to get back.
- Subtract debts due now, such as bills and instalments you must pay.
- Compare with the nisab: 85 g of gold or 595 g of silver at today's price.
- If you are at or above the nisab and a lunar year has passed, pay 2.5% of the net amount.
Nisab = 85 g × gold price (or 595 g × silver price)
Zakat = (assets − debts due) × 2.5%, if assets − debts ≥ nisab
Hijri or Gregorian year
The 2.5% rate applies to a Hijri (lunar) year of about 354 days, and this is the default. If you track your zakat year by the Gregorian (solar) calendar of 365 days, the rate is adjusted to 2.5775% (2.5% × 365 ÷ 354, sometimes rounded to 2.577%) to cover the extra 11 or so days, per AAOIFI (Shariah Standard No. 35 on Zakah). For example, net wealth of 100,000 gives 2,500 on a Hijri year and 2,577.50 on a Gregorian year.
This calculator uses 595 g for the silver nisab; some organisations use 612.36 g.
Your home, car, furniture and personal items are not zakatable. Gold and silver prices change every day, so use the price on the day you calculate.
Worked examples
| Case | Nisab | Net wealth | Zakat |
|---|---|---|---|
| Savings and gold, gold at QAR 300/g | QAR 25,500 | QAR 45,000 | QAR 1,125 |
| Savings only, gold at QAR 300/g | QAR 25,500 | QAR 20,000 | Not due |
| Silver nisab, silver at QAR 3.50/g | QAR 2,082.50 | QAR 3,000 | QAR 75 |
Example 1: savings, gold and a debt
Fatima has QAR 40,000 in the bank and QAR 10,000 of gold bars, and owes QAR 5,000 on a bill due this month. Her net wealth is 40,000 + 10,000 − 5,000 = QAR 45,000. With gold at QAR 300 a gram, the nisab is 85 × 300 = QAR 25,500. She is above it, so her zakat is 45,000 × 2.5% = QAR 1,125.
Example 2: below the gold nisab
Yusuf has QAR 20,000 in savings. That is below the gold nisab of QAR 25,500, so no zakat is due on the gold basis. On the silver basis it would be due.
Example 3: using the silver nisab
Aisha follows the silver nisab. With silver at QAR 3.50 a gram, the nisab is 595 × 3.50 = QAR 2,082.50. Her savings of QAR 3,000 are above it, so she pays 3,000 × 2.5% = QAR 75.
Common mistakes
- Using an old gold price. The nisab moves with the market; check today's price.
- Counting your home or car. Personal-use property is not zakatable.
- Subtracting a whole mortgage. Most scholars only deduct what is due now.
- Paying on wealth held under a year. Zakat is due after a full lunar year above the nisab.
- Mixing up zakat al-fitr and zakat al-mal. They are different obligations.
Frequently asked questions
How much is zakat?
Zakat on wealth is 2.5% (one fortieth) of your net zakatable wealth, once it reaches the nisab and you have held it for a full lunar year.
What is the nisab?
The nisab is the minimum wealth on which zakat is due: the value of 85 grams of gold or 595 grams of silver. Its value changes with the market price, so check today's price before you calculate.
Should I use the gold or the silver nisab?
Scholars differ. The silver nisab is much lower, so more people pay zakat under it, and many scholars recommend it as the more cautious choice for cash. Others use gold. Follow the opinion you trust, or ask your local scholar.
Is zakat due on gold jewellery I wear?
Scholars differ on jewellery worn regularly. Many in the Gulf follow the view that it is exempt, while others say zakat is due. Gold kept as savings or investment is zakatable by all views. This calculator only includes the gold you enter.
Do I subtract my debts?
Debts that are due now, such as an instalment or bill you must pay, are usually subtracted. For long-term loans such as a mortgage, many scholars allow only the instalments currently due to be deducted.
When should I pay zakat?
When a lunar (Hijri) year has passed since your wealth first reached the nisab. Many people choose a fixed date each year, often in Ramadan, to make it easier to track.
What rate do I use if I count my zakat year by the Gregorian calendar?
2.5775% instead of 2.5% (sometimes rounded to 2.577%), because a Gregorian year is about 11 days longer than a Hijri year. This follows AAOIFI (Shariah Standard No. 35 on Zakah). Choose the Gregorian option in the calculator.
Is zakat al-fitr the same as this?
No. Zakat al-fitr is a small fixed amount per person paid before Eid al-Fitr. This calculator is for zakat on wealth (zakat al-mal).
This calculator follows the common rules of zakat on wealth. Where scholars differ, such as on jewellery or the gold versus silver nisab, follow the opinion you trust or ask a qualified scholar or your country's zakat authority.
Based on the widely agreed rules of zakat al-mal: a rate of 2.5% on a Hijri year (2.5775% on a Gregorian year, per AAOIFI Shariah Standard No. 35 on Zakah) and a nisab of 85 g of gold or 595 g of silver. Last reviewed on 2026-11-08.