Online Zakat Calculator - Calculate 2.5% Zakat on Gold, Silver, Cash, Shares & Business Assets
Calculate your exact 2.5% annual Zakat obligation across cash, bank balances, gold and silver jewelry, stocks/mutual funds, and trade inventory after deducting immediate liabilities and verifying the Nisab threshold.
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Instructions
How to use it
Follow these steps in the workspace above.
- Enter the current market value of your Zakatable assets: cash in hand/bank, gold and silver holdings, investments/shares, receivables, and business stock-in-trade.
- Enter your immediate short-term debts and due bills to deduct from gross Zakatable wealth.
- Check whether your net wealth exceeds the Nisab threshold and view your exact 2.5% (1/40th) Zakat payable.
Guide
How it works
Zakat, one of the Five Pillars of Islam, is an obligatory annual charitable levy of 2.5% (1/40th) on qualifying net wealth held by an adult Muslim above the Nisab threshold for one complete lunar year (Hawl, 354 days). Calculating Zakat accurately requires aggregating liquid and trade assets while excluding personal-use exemptions and deducting immediate liabilities.
Which Assets Are Subject to 2.5% Zakat?
- Cash & Bank Balances: Physical currency, current/savings accounts, fixed deposits, prize bonds, and committee (ROSCA) payouts received.
- Gold & Silver: Market value of gold bars, coins, and jewelry (7.5 tolas / 87.48g gold standard) and silver holdings (52.5 tolas / 612.36g silver standard). Check live thresholds with our Nisab Threshold Calculator.
- Business Inventory & Investments: Market value of goods held for resale (stock-in-trade), raw materials, mutual funds, and shares held for capital gains.
- Exempt Personal Assets: Your primary residence, personal cars, clothing, household furniture, and tools/machinery used to operate a business (not held for resale) are exempt from Zakat.
Net Zakatable Wealth = (Cash + Gold & Silver Market Value + Investments + Business Inventory + Recoverable Receivables) minus (Immediate Debts & Due Bills). If Net Zakatable Wealth is equal to or greater than the Nisab threshold after one lunar year (Hawl), Zakat Payable = Net Zakatable Wealth × 2.5% (or ÷ 40).
If your portfolio includes mixed assets (cash, savings, gold, or investments), majority contemporary scholarship (and Pakistan’s state Zakat regulations) applies the Silver Nisab (52.5 tolas / 612.36 grams of silver) because its lower monetary threshold benefits more eligible recipients.
No. Personal-use assets, including your primary home, personal vehicles, appliances, and work laptops, are completely exempt from Zakat.
