What is Zakat Nisab Assets Recipients Zakat al-Fitr Hawl tracker Calculate now

The Third Pillar of Islam

Calculate your
Zakat
with confidence

A scholarly-grounded calculator with live precious metals prices, per-carat gold purity calculation, and personalisation for your school of thought.

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2.5%
Annual rate · 8 recipients
6
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The five pillars

Zakat — the pillar of giving

Zakat is the Third Pillar of Islam — an obligatory annual charitable contribution for every eligible Muslim. The word means both “purification” and “growth.”

It is not optional charity. Zakat is a divinely mandated right of the poor within the wealth of those who have more than enough — with precise rules about who pays, how much, and who receives.

01
الشهادة
Shahada
Declaration of faith
02
الصلاة
Salah
Five daily prayers
03
الزكاة
Zakat
2.5% of net wealth above nisab, held for one lunar year
04
الصوم
Sawm
Fasting during Ramadan
05
الحج
Hajj
Pilgrimage to Mecca once in a lifetime for those who are able

How Zakat works

Four conditions for obligation

Zakat becomes obligatory only when all four conditions are met simultaneously.

01
Be Muslim
Zakat is a religious duty for Muslims only. Non-Muslims are not required to pay, though voluntary charity (Sadaqah) is open to everyone.
02
Reach nisab
Your zakatable wealth must meet or exceed the nisab threshold — the minimum based on the live value of 87.48g of gold or 612.36g of silver.
03
Complete the hawl
Your wealth must remain at or above nisab for one full lunar year (hawl — 354–355 days, the length of a lunar year). If it drops below, the clock restarts. Each person’s date is individual.
04
Pay 2.5%
Once all conditions are met, pay 2.5% of total net zakatable assets — accumulated wealth above nisab after deducting all legitimate debts.

The threshold

Understanding nisab

Nisab is the minimum wealth a Muslim must possess before Zakat becomes obligatory. It changes daily with gold and silver market prices.

Most scholars recommend the silver standard — a lower threshold meaning more people qualify and more reaches those in need.

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87.48g
Pure gold (24ct)
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Maliki · Shafi’i · Hanbali
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612.36g
Pure silver
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Hanafi — recommended

Gold carat purity guide

Today’s price by carat

The API returns 24ct (pure gold) spot price. Our calculator converts each item automatically based on your carat selection. You enter the total weight of the item — we handle the purity conversion.

CaratPurity% pure goldPrice / gram
24ct999/1000100%Loading…
22ct916/100091.67%Loading…
21ct875/100087.5%Loading…
18ct750/100075%Loading…
14ct585/100058.5%Loading…
9ct375/100037.5%Loading…
i
The live price fetched is always for 24ct pure gold. Items of lower carat purity are converted to their pure gold equivalent for valuation — for example, a 10g 22ct piece is treated as 9.17g of pure gold at the current spot price. Your nisab standard (gold or silver) is set separately in Step 1 and is unaffected by this conversion.

What to include

Zakatable assets

Different types of wealth have different Zakat rules. Here is what to include — and what is always exempt.

2.5% full value
Cash & savings
All cash at home, bank accounts, digital wallets, and money owed to you. Deduct money you owe to others.
2.5% on value
Gold & silver
Calculated per item with your chosen carat (9ct to 24ct). The calculator converts each item to pure gold equivalent using live spot prices. Hanafi: all jewellery included. Other schools: worn jewellery exempt.
2.5% full value
Stocks — active trading
Shares held for short-term profit are trade goods. Pay 2.5% on full market value. Endorsed by FCNA and AAOIFI.
30% proxy method
Stocks — long-term
Long-term investors pay on the company’s zakatable assets. AAOIFI proxy: 30% of market value × 2.5%.
25% proxy method
Mutual funds & ETFs
Take 25% of the total fund value and pay 2.5%. Precious metal ETFs are 100% zakatable.
2.5% full value
Cryptocurrency
All crypto is zakatable at 2.5% of current market value on your zakat date. Treated as cash equivalent.
Net income only
Rental property
The property itself is exempt. Zakat is 2.5% on net rental income after all expenses.
2.5% market value
Property for resale
If purchased with intent to sell, the full current market value is zakatable at 2.5%.
Accessible portion
Pensions & ISAs
AMJA formula: (Withdrawal amount − penalty − tax) × 2.5%. Locked pensions: pay on receipt.
2.5% on trade goods
Business assets
Trade stock (wholesale value) and business cash are zakatable. Machinery, vehicles, and buildings are always exempt.
Deductible
Debts & liabilities
Debts reduce zakatable wealth. Deduct annual installments or full outstanding balance depending on your madhab.
Always exempt
Exempt assets
Primary home, personal vehicles, furniture, clothing, tools of trade, fixed business assets, worn jewellery (non-Hanafi), inaccessible pensions.

Who receives Zakat

Eight recipients

“Zakah expenditures are only for the poor and for the needy and for those employed for it, and for bringing hearts together [for Islam] and for freeing captives [or slaves], and for those in debt and for the cause of Allah and for the [stranded] traveler — an obligation imposed by Allah.”
— Al-Qur’an, Surah At-Tawbah 9:60
01
الفقراء
Al-Fuqara — The poor
Those with little to nothing; cannot meet basic daily needs.
02
المساكين
Al-Masakin — The needy
Have some income but insufficient to cover essential needs.
03
العاملون
Al-Amileen — Administrators
Those appointed to collect, manage, and distribute Zakat.
04
المؤلفة
Al-Mu’allafah — Reconciled hearts
New Muslims and those inclined toward Islam.
05
الرقاب
Ar-Riqab — The enslaved
Today includes human trafficking victims seeking freedom.
06
الغارمون
Al-Gharimin — The debt-ridden
Those overwhelmed by legitimate halal debt they cannot repay.
07
في سبيل الله
Fi Sabilillah — Cause of God
Humanitarian relief, education, and community projects.
08
ابن السبيل
Ibn As-Sabil — The wayfarer
Stranded travellers; today includes refugees without means.

Live calculator

Calculate your Zakat

6 focused steps with scholarly tips, per-carat gold pricing, and live precious metals data.

Add multiple gold items, each with its own carat selection (9ct through 24ct)
Enter total item weight — purity conversion is automatic using live 24ct spot price
Adapts to your school of thought: Hanafi includes jewellery; other schools exempt worn pieces
Live gold and silver prices fetched from a public metals API on page load
Fully private — all calculations happen in your browser, nothing is sent anywhere
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Silver nisab: Loading…  ·  Gold nisab: Loading…
Zakat Calculator Live prices
Settings Cash Metals Invest Property Debts
Step 1 of 6
Your settings
These choices shape every calculation. Set your currency, school of thought, and preferences first.
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Why does school of thought matter?
The Hanafi school uses the silver nisab and includes all gold/silver jewellery in Zakat calculations. The other three schools use the gold nisab and exempt daily-worn jewellery. This can significantly change your result. Our calculator adapts every field automatically.
Checking live prices…
All values displayed and calculated in this currency
School of thought (madhab)
Select your school. If unsure, Hanafi is the most widely followed globally.
Hanafi
Silver nisab · All jewellery zakatable
South Asia, Turkey. Hawl: start and end of year.
Maliki
Gold nisab · Worn jewellery exempt
N and W Africa, Gulf. Full hawl required.
Shafi’i
Gold nisab · Worn jewellery exempt
SE Asia, E Africa. Full hawl required.
Hanbali
Gold nisab · Worn jewellery exempt
Saudi Arabia, Gulf. Full hawl required.
Nisab standard
Hanafi uses silver. Most charities recommend silver as it means more people can contribute.
Debt deduction method
How much of your debts to subtract from your zakatable wealth.
Step 2 of 6
Cash & savings
Include all liquid cash you control. If you can spend it today, include it.
✦
What counts as cash?
Physical cash, current accounts, savings accounts, cash ISAs, digital wallets (PayPal, Wise, CashApp), and money others owe you that you realistically expect to collect. Do not include salary received after your personal zakat anniversary date.
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Enter the principal of savings accounts only. Any interest earned is impermissible (riba) and should be donated to charity separately — do not include it as zakatable wealth.
Physical notes and coins
£
Current and savings combined
£
Debts you expect to be repaid
£
PayPal, Wise, CashApp etc.
£
Principal amount only (not interest)
£
Step 3 of 6
Gold & silver
Enter each gold item separately with its carat. Enter total weight of the piece — the calculator converts to pure gold value automatically using live prices.
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How to enter gold correctly
Enter the total weight of each piece and select its carat. The calculator multiplies by the live 24ct price and the carat purity factor. Example: a 22ct ring weighing 10g contains 9.17g of pure gold. You enter 10g + select 22ct — the conversion is automatic.
i
Hanafi school: enter all gold and silver items including jewellery you wear daily.
Gold items
Add each piece separately. Enter the total physical weight (not just the gold content).
Total gold value: —
Silver
Enter total weight of all silver items combined. Silver purity is generally uniform so no per-item carat entry is needed.
Worn or stored
g
Bars, coins, stored silver
g
Total silver value: —
Combined gold + silver value: —
Step 4 of 6
Investments
Enter each holding type separately — short-term and long-term amounts are calculated independently and both contribute to your total.
✦
Short-term vs. long-term — why it matters
If you actively buy and sell for profit, the full value is zakatable (100%). If you hold for years for growth or dividends, only 30% of the value is zakatable (AAOIFI Standard 35 proxy). Enter both amounts separately if you do both — each is calculated independently. When in doubt, use short-term (it’s the more cautious, safer choice).
Stocks & shares Enter separately for each holding method you use
Short-term / active trader — 100%
You actively buy & sell for profit — full market value is zakatable
£
Long-term investor — 30%
Held for years for growth or dividends — 30% of value is zakatable
£
Shares ISA Most ISAs are long-term — only use short-term if you actively trade within the ISA
Short-term / active trader — 100%
Actively trading within your ISA — full value zakatable
£
Long-term investor — 30%
Buy-and-hold ISA — 30% of value is zakatable
£
Mutual funds & ETFs Long-term uses 25% AAOIFI proxy; short-term uses 100%
Short-term / active trader — 100%
Actively traded funds — full value zakatable
£
Long-term investor — 25%
Long-term held funds — 25% proxy for zakatable liquid portion (AAOIFI)
£
Cryptocurrency Full value always applies — no split needed
Always 100%
All crypto is treated as a liquid zakatable asset — full market value applies
£
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Pension and retirement accounts
AMJA formula: enter the total value and the percentage you can actually withdraw today after penalties and tax. Under 55 in the UK? Your pension is likely locked — enter 0%. Over 55? You can typically access 25% tax-free, or more with tax deducted. Zakat is only due on the accessible portion.
Total balance (workplace pension, SIPP, 401k etc.)
£
Under 55: enter 0 (locked). Over 55: typically 25% tax-free, or higher if you accept tax on the rest
%
Step 5 of 6
Property & business
Rental income, property held for resale, and business trade assets. Your primary home is always exempt.
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What is exempt vs. zakatable in property?
Your primary home is always exempt, no matter what it is worth. A buy-to-let property itself is also exempt, but the net rental income it generates is zakatable at 2.5%. Only property bought specifically to sell carries Zakat on its full market value. Business machinery, equipment, and buildings are always exempt — only trade stock and business cash are zakatable.
Gross rent minus mortgage, maintenance, and agency fees
£
Current market value — buy-to-sell and developers only
£
Trade goods at wholesale value
£
Business bank balance plus debts owed to the business
£
Step 6 of 6
Debts & liabilities
Debts reduce your net zakatable wealth. Enter what you owe — these will be deducted before calculating Zakat.
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Annual installments method selected
Only deduct debt payments actually due within your current zakat year. This is the more cautious scholarly approach. To deduct the full balance, go back to Step 1 and change your debt setting.
Annual installment for this zakat year
£
Total outstanding balance
£
Car finance, personal loans outstanding
£
Outstanding balance
£
Outstanding business liabilities
£
Any other legitimate debts owed
£
Your Zakat result
Using live API prices
Zakat due
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2.5% of net zakatable wealth
Gross zakatable assets
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Total liabilities
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Net zakatable wealth
—
Nisab threshold
—
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Separate obligation

Zakat al-Fitr

“The Messenger of Allah ﷲ ordained Zakat al-Fitr to purify the fasting person from indecent words or actions, and to provide food for the needy. It is accepted as Zakat for the person who gives it before the Eid prayer; but it is a mere Sadaqah for the one who gives it after.”

Ibn Abbas (RA) — Sunan Abi Dawud & Ibn Majah

“The Messenger of Allah ﷲ made Zakat al-Fitr obligatory — one saʻ of dates or one saʻ of barley — upon every Muslim, free or slave, male or female, young or old.”

Ibn Umar (RA) — Sahih al-Bukhari & Sahih Muslim

One saʻ ≈ 2.5–3 kg of staple food (wheat, rice, barley, dates). Most contemporary scholars permit the cash equivalent, set annually by local scholars and Islamic bodies based on current food prices.

2026 rates by region

🌎
Select your region above 2026 confirmed rates, organisations, and scholarly basis will appear here

Rates are updated annually before Ramadan. Always confirm with your local mosque or Islamic centre before paying.

Zakat al-Fitr calculator
Fixed per-person — separate from annual Zakat

Select your region to populate this list

£

Override with your local mosque’s announced amount

Include yourself, spouse, children, and all dependants

Total Zakat al-Fitr due
—
Select your region and enter a rate above
! Must be paid before the Eid prayer. Paying after counts only as voluntary Sadaqah.
i Rates are set annually — verify with your local mosque before each Ramadan.

Zakat anniversary

Track your hawl

Your hawl is your personal Zakat anniversary. A lunar year is 354 days — enter when you first reached nisab to find your next due date.

ⓘ
Paying during Ramadan is permissible as early payment regardless of your hawl date.
Hawl date calculator
Find your next Zakat due date
Note: Uses 354.367 days per lunar year.

Common questions

Understanding your obligation

Zakat rules can seem complex, but the core principles are clear. For unusual financial situations, consult a qualified Islamic scholar.

The API returns the spot price for 24ct (pure) gold. For other carats, we multiply by the purity factor: 22ct = 91.67%, 18ct = 75%, 9ct = 37.5%, and so on. So a 22ct ring weighing 10g is worth the same as 9.167g of pure gold at the current spot price. You always enter the total physical weight of the item, and the calculator handles the conversion. This matches how major Zakat institutions and scholars approach gold valuation.
Yes. The calculator fetches real-time XAU (gold) and XAG (silver) spot prices from the fawazahmed0 currency API (cdn.jsdelivr.net) on every page load. This is a free, open-source API that aggregates forex and metals data. If the live API is unreachable (e.g. no internet connection), the calculator falls back to recent estimates and clearly labels these as estimated values rather than live prices. The API status is shown at the top of the calculator and in your result summary.
Zakat is due on your personal zakat anniversary — the Islamic (Hijri) date on which you first came into possession of the nisab amount. You pay on this same date each year. Many Muslims pay during Ramadan for extra reward, which is permissible as early payment. Each person’s hawl date is individual.
No. Your primary home is always exempt from Zakat regardless of its value. You can also deduct mortgage payments from your other zakatable wealth. Only property purchased specifically for resale is zakatable on its full market value. Additionally, net annual rental income from investment properties is zakatable — enter it in Step 5 (Property) as it constitutes income above your needs. The rental property itself is not zakatable unless held specifically for resale.
This depends on your school of thought. The Hanafi madhab holds that all gold and silver including jewellery worn daily is zakatable. The Maliki, Shafi’i and Hanbali schools exempt jewellery worn for personal use. Our calculator adjusts automatically based on your madhab selection in Step 1.
Yes. All stocks and shares are zakatable regardless of whether they are held in an ISA or a direct account — the ISA tax wrapper has no effect on the Islamic Zakat obligation. The calculator now handles each holding type separately: enter your short-term (active trading) and long-term (buy-and-hold) amounts in separate rows. Short-term holdings: 2.5% on the full market value. Long-term holdings: 2.5% on 30% of the value (AAOIFI Standard 35 proxy). If you hold both, both amounts are calculated independently and summed.
Zakat cannot be given to your direct dependents — spouse, parents, grandparents, children, or grandchildren. You are already financially responsible for them. You can give Zakat to siblings, cousins, aunts, uncles and other relatives if they are genuinely eligible — below nisab and in need.
Most scholars and major Islamic charities recommend the silver standard (612.36g silver) because it is a lower threshold, meaning more people qualify. The Hanafi school uses silver. If you follow the other schools, the gold standard (87.48g gold) is your school’s technical position, though using silver is always permissible and more inclusive.

Note on weight standards: This calculator uses 87.48g gold / 612.36g silver (FCNA, NZF UK, and OIC Fiqh Academy standard). Some Middle Eastern authorities (ZATCA Saudi Arabia, Dar al-Ifta Egypt, and al-Qaradawi’s Fiqh az-Zakat) use 85g gold / 595g silver. Both are valid scholarly positions — see Research Notes in the footer for full detail.

Scholarship & sources

Grounded in global authority

Built on verified scholarly consensus from the leading Islamic jurisprudence bodies across the Middle East, Europe, Asia, Africa, and the Americas.

Primary scripture & classical texts

Primary scripture
Al-Qur’an 9:60
The definitive Quranic verse establishing the eight categories of Zakat recipients and the obligation of Zakat itself. Universal foundation across all schools of thought.
Hadith — Bukhari & Muslim
Sahih al-Bukhari & Sahih Muslim
Ibn Umar (RA): “The Prophet ﷺ made Zakat al-Fitr obligatory…” Establishes the amount (one sa’) and universality (every Muslim). Agreed upon (mutafaqun ‘alayh).
Classical reference
Fiqh az-Zakat
Dr. Yusuf al-Qaradawi (Egypt/Qatar). The definitive modern scholarly text on Zakat jurisprudence — endorsed by Islamic scholars globally across all four madhabs.
Hadith — Abu Dawud & Ibn Majah
Ibn Abbas (RA) narration
“The Prophet ﷺ ordained Zakat al-Fitr to purify the fasting person… accepted as Zakat before the Eid prayer.” Source for Zakat al-Fitr purpose and deadline.

Middle East & international bodies

International standard — Bahrain
AAOIFI Standard No. 35
Accounting & Auditing Organisation for Islamic Financial Institutions (Bahrain, est. 1991). Governs Zakat on stocks, ETFs and modern instruments. The 30% investor and 25% fund proxies are AAOIFI-endorsed and adopted by 45+ countries.
Global fiqh academy — Jeddah
OIC International Islamic Fiqh Academy
Established 1981 under the Organisation of Islamic Cooperation (57 member states). Resolutions 28 and 121 on Zakat obligations for investments. The world’s foremost collective Islamic jurisprudential authority.
Saudi Arabia — official ruling
Council of Senior Scholars (KSA)
The Kingdom of Saudi Arabia’s highest scholarly authority. Sets the official Zakat al-Fitr rate (SAR 30 for 2026) and issues binding fatawa on nisab, gold purity, and wealth thresholds.
Egypt — est. 1895
Dar al-Ifta al-Misriyyah
Egypt’s Grand Mufti institution, established 1895. Authority on Zakat on gold (using 85g nisab), silver, bank deposits, and debt methodology. Note: Dar al-Ifta applies full market value to trade company shares; this calculator follows the AAOIFI Standard 35 proxy method for long-term investment stocks instead.
Saudi Arabia — individual Zakat
ZATCA (Zakat, Tax & Customs Authority)
Kingdom of Saudi Arabia’s official Zakat regulatory authority. Guidelines based on fatwas from the Permanent Committee for Scholarly Research and Ifta. Note: ZATCA uses 85g gold / 595g silver for nisab — this calculator uses 87.48g / 612.36g (FCNA/OIC standard). Both are valid scholarly positions.

Europe & United Kingdom

European authority — Dublin
European Council for Fatwa & Research (ECFR)
Founded 1997 in London, headquartered in Dublin. Composed of over 40 Islamic scholars from across Europe and the Muslim world. Issues fatawa for Muslims living in Europe including Zakat al-Fitr cash equivalents and nisab methodology for Western contexts.
UK — Zakat institution
National Zakat Foundation (NZF)
UK registered charity (No. 1153719). The UK’s leading Zakat body, providing scholarly-grounded guidance on Zakat calculation for Muslims in Britain. Confirms annual Zakat al-Fitr rates and publishes detailed calculation guidance.
UK & global — charitable institution
Islamic Relief Worldwide
UK registered charity (No. 328158). Guidance on nisab calculation, zakatable asset categories, and Zakat al-Fitr. Operates across 40+ countries with Shari’ah-compliant Zakat collection and distribution.

Asia & South-East Asia

Indonesia — national authority
BAZNAS (Badan Amil Zakat Nasional)
Indonesia’s National Amil Zakat Agency, established by Presidential Decree (No. 8/2001) and Law No. 23/2011. Manages Zakat for the world’s largest Muslim-majority country. Sets Zakat al-Fitr rates (Rp 50,000 in 2026) based on local staple food costs.
Malaysia — government authority
JAWHAR (Jabatan Wakaf, Zakat & Haji)
Malaysia’s Department of Awqaf, Zakat and Hajj under the Prime Minister’s Department. Coordinates Zakat standards across Malaysia’s 14 state Islamic Religious Councils, setting rates and distributing guidance nationally.
Singapore — Islamic authority
MUIS (Majlis Ugama Islam Singapura)
Islamic Religious Council of Singapore, established under the Administration of Muslim Law Act (AMLA). Manages centralised Zakat collection and distribution for Singapore’s Muslim community. Cited internationally as a model for structured Zakat governance.

Americas

North American authority
Fiqh Council of North America (FCNA)
The authoritative scholarly body for Islamic jurisprudence in North America. Shaykh Umer Khan’s treatment distinguishing active trading from long-term investment. Annual Zakat al-Fitr recommendations based on USDA/BLS food price data.
North American jurists
AMJA (Assembly of Muslim Jurists)
Assembly of Muslim Jurists of America. Dr. Salah Al-Sawy’s formula for Zakat on pension and retirement accounts — the accessible-percentage method used in this calculator. Resolutions on Zakat for contemporary financial products.
North American institution
Zakat Foundation of America
Leading contemporary scholarly Zakat resource for the Americas. Endorses the active trader method (full portfolio value) and provides educational guidance on Zakat calculation methodology. zakat.org

Gold & silver price data

Carat purity formula
IslamQA Fatwa 214221
Establishes the scholarly-endorsed formula for converting gold jewellery weight to pure gold equivalent: pure grams = weight × (karat ÷ 24). Endorsed by Shaykh Muhammad al-Munajjid and widely applied across all contemporary Zakat calculators.
Live market data
Fawazahmed0 Currency API
Open-source real-time XAU (gold) and XAG (silver) spot prices in 170+ currencies via cdn.jsdelivr.net. Fetched fresh on every page load. Used to calculate live nisab thresholds and per-gram gold and silver values.