Zakat Calculator
Calculate your zakat in 2026: 2.5% on cash, gold, silver, stocks, crypto and business assets with a gold/silver nisab switch, plus livestock schedules, crop rates (10%/5%/7.5%), a hawl tracker and a payment planner. 100% client-side — nothing leaves your browser.
Educational estimate, not a fatwa. Rates follow widely published standards (nisab 87.48 g gold / 612.36 g silver; 2.5% on wealth). Madhhabs differ on details such as worn jewelry and stock valuation — confirm your specific situation with a qualified scholar or advisor.
1. Nisab basis, currency & metal prices
Scholars differ on which nisab to use. The Hanafi school and Islamic Relief use silver (lower threshold, more inclusive); others use gold. Pick one and stay consistent.
Whether you need a zakat calculator UK edition, a zakat calculator Pakistan edition, or coverage for India, the USA or anywhere else, choose your currency and enter today\u2019s gold and silver price per gram.
Sample prices: $189.01/g gold and $2.70/g silver (Islamic Relief Canada, Oct 2026). Update both fields to today's market price in your currency.
2. Zakatable wealth (2.5%)
Include only assets held for one full lunar year (hawl). Personal home, car, furniture and clothing are exempt.
Gold by weight & purity
Purity factors: 22K = 91.67%, 21K = 87.5%, 18K = 75%, 14K = 58.33% of pure gold.
3. Livestock (paid in animals)
Only grazing animals held a full lunar year. Working animals and dairy herds kept for milk are handled differently — ask a scholar.
4. Agricultural produce (due at harvest)
No one-year waiting period. Nisab is about 600 kg (5 wasqs).
5. Debts to deduct
Deduct only debts due within the zakat year (credit cards, upcoming installments). Do not deduct a full mortgage — only the installments due this year.
6. Hawl tracker
Enter the date your wealth first reached the nisab. This hawl calculator adds exactly 354 days (one lunar year) to give your zakat due date.
—
Your zakat result
Reminder: educational estimate, not a fatwa. Confirm your situation with a qualified scholar or a local zakat authority before paying.
| Category | Amount |
|---|
Livestock & harvest
Payment planner
Frequently asked questions
What is the nisab threshold for zakat in 2026?
The nisab is 87.48 grams of pure gold or 612.36 grams of pure silver, the equivalents of 20 mithqal and 200 dirham set at the time of the Prophet. With sample October 2026 prices of $189.01 per gram of gold and $2.70 per gram of silver, the gold nisab is about $16,534.59 (87.48 x 189.01) and the silver nisab is about $1,653.37 (612.36 x 2.70). Metal prices move daily, so update the price fields in the calculator above for your own currency. If you searched for a zakat calculator 2026 with current nisab figures, the settings box above doubles as a nisab threshold calculator and nisab calculator: enter today's metal prices to get both thresholds in your currency.
How to calculate zakat on cash and savings?
Add up everything you have held for one lunar year: bank balances, cash at home, and money owed to you that you expect to be repaid. Subtract debts that are due within the zakat year. If the net amount reaches the nisab, pay 2.5 percent of it. The wealth section above works as a zakat on savings calculator: enter each holding and it totals them for you. Example: $12,000 in savings with no deductible debts gives $12,000 x 0.025 = $300.00 of zakat.
How is zakat calculated on gold?
Convert each item to pure gold: multiply its weight by its purity (24K = 100 percent, 22K = 91.67 percent, 21K = 87.5 percent, 18K = 75 percent, 14K = 58.33 percent). Value the pure weight at the current gold price per gram. Example: 100 grams of 24K gold at $189.01 per gram is worth $18,901.00, and 2.5 percent of that is $472.53. Note that schools differ on worn jewelry: the Hanafi school includes all gold jewelry, while the Shafii, Maliki, and Hanbali schools generally exempt jewelry worn in normal personal use. In short, the gold section above is a dedicated zakat calculator on gold, and together with the silver field it forms a complete zakat on gold and silver estimator.
Should I use the gold nisab or the silver nisab?
There is a legitimate scholarly difference. The Hanafi school uses the silver nisab (612.36 g), and Islamic Relief advises donors to use silver because the lower threshold brings more people into giving. Other scholars prefer the gold nisab (87.48 g) so that only clearly wealthy people are obligated. This calculator lets you switch between the two and shows both values, so follow the position of a scholar you trust.
How do I calculate zakat on stocks and mutual funds?
If you bought shares to trade, pay 2.5 percent of their market value on your zakat date, the same as cash. Example: a portfolio worth $8,000 gives $8,000 x 0.025 = $200.00. If you hold shares long term for dividends, some scholars assess only the zakatable portion of the underlying company assets instead of full market value; pick one method and apply it consistently, and ask a scholar for mixed cases. The stocks field above is a simple zakat on stocks calculator: enter the market value on your zakat date.
Do I pay zakat on cryptocurrency?
Yes, according to most contemporary scholars cryptocurrency is treated like cash: if your total zakatable wealth including crypto reaches the nisab and a lunar year has passed, pay 2.5 percent of its market value on your zakat date. The crypto field above works as a zakat on crypto calculator using the same 2.5 percent rate as cash. Example: $5,000 in crypto gives $5,000 x 0.025 = $125.00.
What is the rule for zakat on business assets?
Add the market value of inventory and trade goods held for resale plus business receivables, then subtract short-term business debts. Pay 2.5 percent of the net figure. Fixed assets such as machinery, offices, and delivery vehicles are not zakatable. That is the whole method behind any zakat on business assets calculation. Example: $20,000 of inventory with no deductible debts gives $20,000 x 0.025 = $500.00.
What is the zakat rate on agricultural produce?
It depends on irrigation, from the hadith on crops: 10 percent if watered by rain, rivers, or springs at no cost; 5 percent if irrigated artificially with cost (pumps, wells); 7.5 percent if both methods were used about equally. It is due at harvest with no one-year waiting period, and the nisab is about 600 kg (5 wasqs). Example: an 800 kg rain-fed harvest gives 800 x 0.10 = 80 kg of zakat.
How is zakat calculated on livestock?
Zakat applies to grazing animals (not working or dairy-farm animals kept for milk production) held for a full lunar year. Sheep and goats: 40 to 120 head gives 1 animal, 121 to 200 gives 2, 201 to 300 gives 3, then 1 more per 100 (so 150 sheep = 2 sheep). Cattle: 30 to 39 gives 1 Tabi, 40 to 59 gives 1 Musinnah (so 70 cattle = 1 Tabi plus 1 Musinnah). Camels: 5 to 9 gives 1 sheep, 25 to 35 gives 1 Bint Makhad, 36 to 45 gives 1 Bint Labun, 46 to 60 gives 1 Hiqqah, 61 to 75 gives 1 Jadhaah, 76 to 90 gives 2 Bint Labuns, 91 to 120 gives 2 Hiqqahs (so 40 camels = 1 Bint Labun).
What is hawl and how long is it?
Hawl is the one-lunar-year holding period: your wealth must stay at or above the nisab for 354 days before zakat becomes due. Example: if your savings first reached the nisab on 10 October 2025, your zakat date is 354 days later, on 29 September 2026. Use the hawl tracker above to get your exact date.
Can I pay zakat in installments instead of a lump sum?
Yes. You may pay the full amount at once or spread it across the year, as long as the total due is paid. Example: $1,200 of zakat over 12 months is $100.00 per month; over 6 months it is $200.00 per month. The zakat payment plan calculator in the results section builds the schedule for you.
Can I deduct my debts before calculating zakat?
Yes, deduct debts that are due within the zakat year, such as credit card balances and upcoming loan installments. Long-term debts like a mortgage are not deducted in full, only the installments due within the year. Example: $15,000 in assets minus $2,000 of due debts leaves $13,000, so zakat is $13,000 x 0.025 = $325.00.
Is this zakat calculator religiously binding?
No. This is an educational estimate using widely published standards: 87.48 g gold and 612.36 g silver nisab, 2.5 percent on wealth, 10 / 5 / 7.5 percent on crops, and classical livestock schedules. Madhhabs differ on details such as worn jewelry, stock valuation methods, and which nisab to use. For your specific situation, confirm with a qualified scholar or advisor before paying. If your question is simply how much zakat do I owe, work through the sections above and the result box gives the exact figure.
Related calculators
Free tool by NRTechStudio