Zakat calculator
Rules checked 6 Oct 2026
Zakat is due on wealth held for one lunar year above nisab. Scholars differ on details such as jewellery in use. Ask a scholar you trust when unsure.
Understand the result: How to calculate zakat on savings, gold and business assets
How zakat is calculated
Zakat is 2.5% of your zakatable wealth, once that wealth is at or above the nisab and you have held it for one lunar year (the hawl). The calculation has four steps.
- Add up your zakatable assets: cash at home and in the bank, gold and silver, business stock, money owed to you that you expect to be paid, and investments you hold to trade.
- Subtract debts due now: bills, rent and instalments that are payable immediately.
- Compare the result with nisab. If it is below nisab, no zakat is due.
- If it is at or above nisab, multiply by 2.5%.
What is nisab?
Nisab is the minimum amount of wealth on which zakat is due. It is defined by weight:
- Gold: 85 grams
- Silver: 595 grams
To turn this into money, multiply the grams by today’s price per gram in your currency. Because silver is much cheaper than gold, the silver nisab is far lower, so more people pay zakat under it. Many scholars recommend the silver standard for cash savings because it benefits more of the poor; others use gold. The calculator lets you choose, and our guide on gold or silver nisab explains both views.
We do not fetch live metal prices. Use the rate from your local jeweller or a reliable market source on the day you calculate.
Worked example
You have AED 50,000 in the bank, gold worth AED 10,000, and a credit card bill of AED 5,000 due now. Silver is AED 3.20 per gram.
- Assets: 50,000 + 10,000 = AED 60,000
- Less debts due: AED 5,000
- Net zakatable wealth: AED 55,000
- Silver nisab: 595 × 3.20 = AED 1,904
- Zakat: 55,000 × 2.5% = AED 1,375
What is and is not zakatable
| Usually zakatable | Usually not zakatable |
|---|---|
| Cash and bank balances | Your home |
| Gold and silver (see note on jewellery) | Your car and personal belongings |
| Business stock at market value | Business equipment and premises |
| Money owed to you that you expect to receive | Debts you do not expect to recover |
| Shares bought to trade | Long-term holdings (treated differently by many scholars) |
Gold jewellery worn regularly is a point where scholars differ: the Hanafi school counts it, while the majority of other schools do not count permitted jewellery in personal use. See zakat on gold jewellery.
Personal zakat vs business zakat in Saudi Arabia
This calculator is for personal zakat. In Saudi Arabia, companies owned by Saudi and GCC shareholders pay zakat to ZATCA on a zakat base worked out under ZATCA’s rules, which is a different calculation. Businesses should follow ZATCA guidance and use a qualified adviser.
Frequently asked questions
When should I pay?
Once a lunar year has passed while your wealth was at or above nisab. Many people choose a fixed date each year, often in Ramadan, and calculate on that day.
Do I pay zakat on my salary?
Salary itself is not zakatable when received, but whatever you have saved from it by your zakat date counts as cash.
Do I include my pension or provident fund?
Scholars differ, especially on funds you cannot access yet. Ask a scholar you trust.
Can I use this calculator for my business?
For a business you own personally, include its cash, stock and receivables in the business field. For companies in Saudi Arabia paying zakat to ZATCA, follow ZATCA’s rules instead.
Should I deduct my full mortgage?
Most scholars allow only payments currently due to be deducted, not the full outstanding balance.