What is the Zakat rate?

The standard Zakat rate is 2.5% of your net zakatable wealth. This applies to cash, gold, silver, investments, and most other assets. Agricultural produce has different rates: 5% for irrigated crops and 10% for rain-fed crops.

What is the Nisab threshold?

Nisab is the minimum amount of wealth you must possess before Zakat becomes obligatory. It is based on either the value of 87.48 grams of gold or 612.36 grams of silver. Most scholars recommend using the silver standard as it results in a lower threshold, allowing more people to participate in wealth redistribution.

Do I have to pay Zakat on my personal home and car?

No. Personal-use items such as your primary residence, personal vehicles, household furniture, clothing, and essential tools for work are exempt from Zakat. Only wealth-generating or stored assets are zakatable.

Is Zakat due on gold jewelry that I wear?

Yes. Gold and silver jewelry is zakatable regardless of whether it is worn daily or stored. This is the majority scholarly position. Non-gold and non-silver jewelry (platinum, gemstones, costume jewelry) is generally exempt unless held for trade.

How do I calculate Zakat on stocks?

For short-term trading stocks, pay 2.5% on the full current market value. For long-term investment holdings, you can either use the full market value (conservative approach) or the 25% method, which assumes only 25% of the stock value represents zakatable company assets (cash, receivables, inventory). Our calculator offers both methods.

Is Zakat due on cryptocurrency?

Yes. Most contemporary scholars consider cryptocurrency zakatable as a form of digital currency or tradeable asset. Calculate Zakat at 2.5% on the current market value of all your crypto holdings (Bitcoin, Ethereum, altcoins, stablecoins) on your Zakat anniversary date.

Do I pay Zakat on my 401(k) or IRA?

There is scholarly disagreement. The Fiqh Council of North America says Zakat is due annually, calculated on the accessible amount after subtracting early withdrawal penalties and taxes. Other scholars argue Zakat is deferred until funds are accessible. Our calculator includes an optional toggle for penalty/tax deductions so you can follow your preferred scholarly position.

Can I deduct my debts from Zakat calculation?

Yes, but with limits. Short-term debts due within 12 months can be fully deducted. For long-term debts like mortgages, most scholars allow deducting only the next 12 months of payments, not the total loan balance. Business liabilities and taxes currently due can also be deducted.

When should I pay my Zakat?

Zakat becomes due once your wealth has been above the Nisab threshold for one complete lunar (Hijri) year. Many Muslims choose to calculate and pay during Ramadan for spiritual significance. Pick a consistent annual date as your "Zakat anniversary" and calculate on that date each year.

Is Zakat due on rental property?

Zakat is due only on the net rental income from investment properties, not on the property value itself. However, if a property was purchased specifically for quick resale (like house flipping), Zakat is due on the full market value as it is treated as business inventory.

What is the difference between Zakat and Sadaqah?

Zakat is a mandatory religious obligation with specific rules about calculation rates, eligible assets, and qualified recipients. Sadaqah is voluntary charity given at any time, in any amount, to anyone in need. Zakat purifies your wealth and is one of the Five Pillars of Islam, while Sadaqah is a recommended act of generosity.

Can I pay Zakat in installments?

Yes. While Zakat is calculated as a lump sum on your anniversary date, you can pay it in advance through monthly installments. Many people divide their expected annual Zakat by 12 and pay monthly. If you overpay, the excess counts toward next year's Zakat or as Sadaqah.

Who can receive Zakat?

The Quran (9:60) specifies eight categories of eligible Zakat recipients: the poor (al-fuqara), the needy (al-masakin), Zakat administrators, those whose hearts are to be reconciled, those in bondage, those in debt, in the cause of Allah (fi sabilillah), and the stranded traveler (ibn al-sabil). Zakat cannot be given to your direct dependents (parents, children, spouse).

Do I use gold or silver Nisab standard?

Most contemporary scholars recommend the silver standard because it results in a lower monetary threshold, enabling more people to contribute to wealth redistribution. The gold standard produces a much higher threshold. Our calculator lets you toggle between both so you can see the difference and choose your preferred standard.

Is this Zakat calculator accurate?

Our calculator uses live gold and silver prices for accurate Nisab values and follows established Islamic jurisprudence for all calculations. However, Zakat involves personal circumstances and scholarly interpretations that may vary. We recommend using this calculator as a guide and consulting a knowledgeable Islamic scholar for complex situations.

How is Zakat on agricultural produce different?

Agricultural produce uses different rates than the standard 2.5%. If crops are irrigated (using man-made watering systems), the rate is 5% of the harvest value. If crops are rain-fed (natural irrigation only), the rate is 10%. This reflects the lower production costs of rain-fed farming. Agricultural Zakat is due at harvest time, not on an annual cycle.

Free Zakat Calculator 2026

Zakat Calculator

Calculate your Zakat accurately with live gold and silver Nisab prices. Covers cash, investments, gold, silver, stocks, crypto, business assets, and more.

Nisab Standard

Calculate Your Zakat

Total Cash & Savings

Total Investments

Gold & Silver Value

Business Assets

Short-term Debts (Deducted)

Need more detail? Switch to the Advanced tab to break down each category.

Your Zakat Summary

Total Zakatable Assets$0.00

Net Zakatable Wealth$0.00

Nisab Threshold$520.51

Below Nisab

Total Zakat Due

$0.00

This calculator provides estimates based on general Islamic jurisprudence. For complex situations, consult a knowledgeable Islamic scholar. Zakat rates: 2.5% standard, 5% irrigated agriculture, 10% rain-fed agriculture.

Complete Guide to Zakat Calculation

Everything you need to know about calculating and paying Zakat

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Common questions about Zakat calculation and obligations

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