1. Take a snapshot on your zakat date
Enter assets you own on that date. Annual salary, rent or business revenue is not added separately unless it remains in your possession; otherwise the same money could be counted twice.
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Zakat calculator for modern wealth
Calculate zakat on cash, gold, silver, stocks, ETFs, crypto and business assets using live prices and assumptions you can inspect and change.
Current market dataLive metal prices with safe fallbacks
Methodology you controlNisab, school, jewellery and shares
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Calculate your zakat
Your financial entries stay in this browser. Only anonymous market-price data is fetched.
Cash and savingsEnter what you own on your zakat date, not your annual income.
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Include cash at home, current and savings accounts, and rental or business income still held. Do not count the same money twice.
Gold and silverValues are calculated from weight, purity and the current price per gram.
grams
%
grams
Currently included under your selected treatment.
%
22K = 91.67%, 18K = 75%, 14K = 58.33%.
grams
%
grams
Currently included under your selected treatment.
%
Sterling silver is 92.5%; fine silver is normally 99.9%.
Shares, funds and cryptoInvestment intent changes how shares are assessed.
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Enter the full current market value.
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For holdings bought mainly for dividends or long-term ownership.
%
25% is NZF's published proxy. Use an exact net-zakatable-assets percentage when available; use 100% for the full-market-value method.
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Enter the current account or accessible value, according to the method you follow. Locked and tax-affected accounts require individual guidance.
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Use 100% for the full-value method or a scholar-advised percentage for accessible or underlying zakatable assets.
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Included as a liquid zakatable asset. Consult a scholar if you follow a different ruling for a particular token.
Business and other assetsUse values on your zakat date, not annual revenue or profit.
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Use the current sale/retail value where practical. Do not include equipment or premises used by the business.
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Enter current market value only where the property was acquired as trade inventory for resale. Do not enter your home or a long-term rental property's value.
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Include money you reasonably expect to collect. Exclude doubtful or unrecoverable amounts until received.
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Only include assets that are genuinely zakatable and are not already entered above.
Deductible liabilitiesDo not enter your entire mortgage, student loan or other long-term balance.
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Include qualifying short-term obligations already incurred. Do not include future routine expenses.
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Principal only; do not deduct interest. Some scholars advise deducting this only where paying zakat affects your ability to repay.
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This reduces the final balance due, but not the nisab comparison.
Market prices and manual override
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Methodology
What this calculator does—and what it does not assume
Zakat has clear foundations but genuine juristic differences in how some modern assets, jewellery, nisab weights and debts are treated. This calculator exposes those choices rather than hiding them behind a single unexplained result.
2. Include only zakatable value
Cash, trade inventory and actively traded shares are included at their entered value. Long-term shares can use an exact net-zakatable-assets percentage, a published 25% proxy, or full market value.
3. Deduct eligible—not total—debt
The form distinguishes short-term obligations, arrears, and the principal portion due over the next year. It does not invite deduction of an entire long-term mortgage or interest.
4. Compare net wealth with nisab
Choose gold or silver and one of two recognized weight conversions. If net zakatable wealth meets that threshold, the calculator applies the selected lunar or Gregorian schedule.
Religious guidance and limitations
This tool is an educational estimate, not a fatwa and not a substitute for a scholar who understands your circumstances. It does not prove that you maintained nisab for a complete haul, determine ownership disputes, or decide whether a particular crypto asset, pension or receivable is zakatable. It covers monetary and commercial wealth—not agricultural produce, livestock, mineral extraction or zakat al-fitr.
Methodology and source links last updated July 12, 2026.
Published sources behind the settings
These sources demonstrate why the calculator offers choices instead of describing one disputed conversion or treatment as universal consensus.
- Saudi Zakat, Tax and Customs Authority (ZATCA) — official individual calculator using the 85g gold and 595g silver standard.
- Islamic Relief UK scholar-verified calculator — uses 87.48g gold and 612.36g silver and explains short-term liabilities.
- National Zakat Foundation: stocks and shares — distinguishes trading shares from long-term investment and publishes a 25% proxy.
- National Zakat Foundation: deductible debts — discusses arrears, short-term debts and the principal due on longer-term obligations.
- National Zakat Foundation: gold, silver and schools of law — describes differences in combining metals and jewellery treatment.
- National Zakat Foundation: solar-year calculation — cites the AAOIFI-based 2.577% rate when a Gregorian schedule is used.
- National Zakat Foundation: property and rental income — distinguishes property held for resale from a home or long-term rental and treats retained rent as cash.
- Gold API documentation and Exchange API documentation — current precious-metal and foreign-exchange data, with cached local fallback values and manual overrides.
Zakat calculator questions
How is zakat calculated?
Add your zakatable assets, subtract only eligible liabilities, and compare the result with your selected nisab. If the result meets or exceeds nisab, the calculator applies 2.5% for a lunar year or the equivalent annualized rate for a Gregorian schedule.
Should I use the gold or silver nisab?
There is recognized scholarly variation. Silver produces a lower threshold and is commonly recommended in Hanafi guidance; gold produces a higher threshold and is used by many other contemporary calculators. Follow the standard advised by your scholar or zakat organization.
Why are there two nisab weight standards?
Recognized organizations publish both 85g gold / 595g silver and 87.48g gold / 612.36g silver. The difference comes from how classical dinar, dirham and tola weights are converted. The calculator lets you choose and makes the adopted weight visible.
How should I calculate zakat on stocks and ETFs?
Shares held for active resale are generally entered at full current market value. For long-term holdings, the calculator defaults to a 25% zakatable-assets proxy published by the UK National Zakat Foundation, but you can enter an exact company-level percentage or choose 100% if that is the method you follow.
Can I deduct my full mortgage or student loan?
Do not automatically deduct the entire long-term balance. This calculator separates short-term obligations, arrears, and the non-interest principal due during the next 12 lunar months. Debt deductions differ by circumstance and school, so consult a scholar when the deduction changes whether zakat is due.
Is rental income zakatable?
A property held to earn rent is generally not entered at its full property value. Add only the net rental income that remains in your possession on your zakat date, normally within cash and savings, so it is not counted twice.
Are pensions, 401(k)s and retirement accounts zakatable?
Scholars differ on locked, tax-affected and employer-controlled accounts. The calculator lets you enter the current account value and explicitly choose the zakatable percentage. Use the full value only if that is the method you follow; otherwise enter a scholar-advised accessible or underlying-assets percentage.
Does the calculator store my financial information?
No. The values you enter are calculated in your browser and are not sent to ZakatInvest. The page only requests public market-price data. Printing or saving the report also happens through your browser.
Calculating an investment portfolio?
Read the detailed treatment of stocks, ETFs, dividends and crypto.