Quick answer: Zakat is 2.5 percent of qualifying wealth held for one lunar year above the nisab threshold, the value of 85 grams of gold or 595 grams of silver. Cash, gold, silver, trade goods and investments count; your home and car do not. It is distributed to the eight eligible categories named in the Quran, chapter 9 verse 60.
Last reviewed: September 2026
Nisab = value of 85g gold or 595g silver. Check today's rate in your country.
Key facts
- Zakat is 2.5% of qualifying wealth held for one lunar year.
- Nisab = the value of 85g of gold or 595g of silver.
- Debts are subtracted before calculating.
- This calculator gives an estimate — confirm personal rulings with a scholar.
Zakat is 2.5% of your qualifying wealth above the nisab threshold. This free zakat calculator adds your cash, gold, silver and investments, subtracts what you owe, and tells you the zakat due in seconds.
Enter each asset at its current market value. Gold and silver are valued at today's selling price, not what you paid. Debts due now are deducted because zakat is owed only on wealth you truly own.
How to use
- Enter your cash in hand and in the bank.
- Enter the current market value of your gold and silver.
- Add investments and business stock.
- Enter debts you owe right now.
- Enter the nisab threshold and press Calculate.
Zakat formula
| Term | Meaning |
|---|---|
| Nisab | Minimum wealth for zakat: value of 85g gold or 595g silver. |
| Haul | One lunar year of holding the wealth. |
| Zakatable assets | Cash, gold, silver, investments, business goods. |
| Debts | Money you owe now — subtracted first. |
Worked examples
Zakat due
Cash 500,000 + gold 300,000, debts 100,000, nisab 400,000: net wealth = 700,000, which is above nisab. Zakat = 0.025 × 700,000 = 17,500.
Below nisab
Cash 200,000 + silver 50,000, debts 0, nisab 400,000: net wealth = 250,000, below nisab. No zakat due this year.
Nisab at a glance
| Basis | Weight | How to value it |
|---|---|---|
| Gold nisab | 85 grams | 85 × today's gold price per gram |
| Silver nisab | 595 grams | 595 × today's silver price per gram |
Many scholars advise using the silver nisab because it is lower, bringing more people into giving. Check current metal prices in your country each year.
Frequently asked questions
What is nisab?
The minimum amount of wealth that makes zakat obligatory — the value of 85g of gold or 595g of silver. Below it, no zakat is due.
Do I pay zakat on my house or car?
No. Personal-use items — your home, car, furniture, clothes — are not zakatable. Only wealth held as cash, precious metals, investments or trade goods counts.
Are debts subtracted?
Yes. Immediate debts are deducted from your assets first, and zakat is calculated on the remainder.
Is zakat really 2.5% every year?
Yes, on wealth held for a full lunar year above nisab. It is 1/40th of qualifying wealth, paid annually.
Do I pay zakat on gold jewellery I wear?
Scholars differ on worn jewellery. Many say zakat applies to gold above nisab whether worn or stored; others exempt regularly worn items. Ask a scholar you trust.
When should I pay?
Once a lunar year has passed on wealth above nisab. Many people fix one date — often in Ramadan — and calculate every year on that date.
Sources
- Islamic Relief — Zakat rules and nisab guidance
- Zakat Foundation — Zakat calculation resources
Key takeaways
- Add cash, gold, silver and investments; subtract debts; pay 2.5% if the result reaches nisab.
- Nisab = 85g gold or 595g silver at today's prices — recheck it yearly.
- Personal-use items like your home and car are never zakatable.
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