How this calculator works
Zakat is 2.5%, one fortieth, of your zakatable wealth on your zakat date, once you have had at least a minimum called the nisab for a lunar year. The calculator adds up what you own, takes off the debts you entered, and compares what is left with the nisab for the metal you chose. At or above it, zakat is 2.5% of that total. Below it, nothing is due on those figures.
It works in any currency, as long as every amount and the metal price are in the same one. The sums happen on this page, in your browser. Nothing is saved or sent, so closing the tab clears the lot.
Questions people ask
What is nisab?
Nisab is the least wealth a person must have before zakat is owed. It was set in the time of the Prophet (peace be upon him) as 20 mithqal of gold or 200 dirhams of silver. By one common reckoning (7.5 and 52.5 tola), that is 87.48 grams of gold or 612.36 grams of silver, the figures this calculator uses. Many scholars and zakat bodies take the mithqal as about 4.25 grams instead, which gives 85 g of gold and 595 g of silver. Metal prices move, so the nisab in your currency moves with them. That is why the calculator asks for today’s price instead of guessing one.
Should I use the gold or the silver nisab?
Both are long-standing positions. Silver gives a much lower threshold, so more people pass it and pay zakat, and many scholars and zakat charities use it for that reason. Others prefer gold, arguing that silver has lost so much value against gold that its nisab no longer marks the wealth it once did. If gold is all you own, the schools agree it is measured against the gold nisab of 87.48 g. The choice is for cash, and for gold held with other assets. The calculator starts on silver, as the Knockdown app does. Switch to gold if that is what you follow, and if you are unsure, ask a scholar you trust.
What counts towards zakat?
Usually: cash at home and in bank accounts, gold and silver, shares, funds and other investments, stock your business holds to sell, and money people owe you that you expect to get back. Your home, car, furniture, clothes and other things you own for personal use are not counted, and neither are the tools and premises a business works from.
Some things are debated. Scholars differ on gold and silver jewellery worn regularly: some count it, others exempt it. For shares held long term, some count the full market value and others only your share of the company’s zakatable assets. Retirement accounts are the hardest case. Views range from paying on the full balance every year, to paying on what you could withdraw after tax and penalties, to paying only once you can reach the money.
Do debts reduce zakat?
It depends whose view you follow. Many scholars deduct debts you have to pay now, such as a bill that is due or this month’s rent or card payment. For a long-term debt like a mortgage, a common contemporary view deducts only the next twelve months of payments, not the whole balance. Some deduct every debt; others hold that debts do not reduce zakat at all. Put whatever your view counts in “Debts due now”, or leave it empty.
When is zakat due?
Zakat is due once you have had wealth at or above the nisab for a lunar year, about 354 days, called the hawl. Schools differ on the details. Some say your wealth must stay at or above the nisab all year; the Hanafi school looks only at the start and end of the year. Some say money you receive during the year waits for a year of its own; others, the Hanafi school among them, count it on your zakat date with the rest. Many people keep one date and work their zakat out every year on everything they hold on it, often in Ramadan. Ramadan 2027 is expected to begin around 8 February, depending on the moon sighting where you live. Zakat al-fitr, the small payment made for each member of the household before Eid al-Fitr, is separate and is not calculated here.
Where scholars differ, you choose
This page sets out the common positions; it doesn’t give rulings. Where scholars disagree, the calculator leaves the choice with you: which metal sets the nisab, which debts come off, and what you count. If your situation is complicated, such as a business, a pension, or a loan that may never be repaid, a scholar you trust or a local zakat organisation can tell you what applies to you.