What is nisab and which threshold should I use?

Nisab is the minimum wealth at which Zakat becomes payable. It is fixed at 87.48 grams of gold or 612.36 grams of silver, valued at current market prices. Most contemporary scholars and relief organisations apply the silver nisab because it is far lower, so more people qualify to pay and more poor recipients benefit from the payment.

How long must I hold wealth before Zakat is due?

Zakat is due once your net wealth has stayed at or above nisab for one full lunar year, called the hawl. A lunar year runs about 354 days, roughly eleven days shorter than the solar year. For most scholars, dips below nisab during the year do not restart the count provided you are above nisab at both ends.

Which debts can I deduct from my zakatable assets?

Deduct debts that are genuinely due: overdue bills, credit card balances, supplier invoices and personal loans payable now. Long-term debts such as a mortgage are usually not deducted in full. The common position is to subtract only the instalments falling due in the coming twelve months, or simply the amount outstanding on your Zakat date.

Who is entitled to receive my Zakat?

The Qur'an names eight categories in Surah At-Tawbah 9:60: the poor, the needy, those employed to administer Zakat, those whose hearts are to be reconciled, freeing people from bondage, those burdened by debt, those striving in the cause of Allah, and the stranded traveller. Zakat may not be given to your own parents, children or spouse.

Zakat Calculator

Work out the Zakat al-Mal due on your savings, gold, business assets and investments after deducting the debts you owe.

2.5% of Net Zakatable Wealth

Zakat is payable once your net wealth stays at or above the nisab threshold for one full lunar year. Enter your assets and liabilities below, then check the result against both the gold and silver nisab.

Zakatable Assets

Cash in Hand ($) Notes and coins you hold today

Bank and Savings Balances ($) Current, savings and digital wallet balances

Value of Gold Held ($) Market value of your gold, including jewellery

Value of Silver Held ($) Market value of silver items and coins

Business Stock for Resale ($) Resale value of trading inventory

Receivables You Expect to Recover ($) Money lent out or invoices likely to be paid

Investments and Shares ($) Zakatable portion of shares, funds and crypto

Has a Full Lunar Year Passed? A hawl is roughly 354 days above nisab

Deductible Liabilities

Short-Term Debts Due ($) Credit cards, personal loans and instalments due now

Bills and Expenses Payable ($) Rent, utilities, wages and taxes already owed

Nisab Settings

Nisab Standard Applied Silver gives a lower threshold, so more people pay

Zakat Rate (%) 2.5% for a lunar year; 2.577% if you use a solar year

Gold Price per Gram ($) Verify today's rate with your local bullion dealer

Silver Price per Gram ($) Verify today's rate with your local bullion dealer

Gold Nisab Weight (grams) Classical value: 20 mithqal, about 87.48 g

Silver Nisab Weight (grams) Classical value: 200 dirham, about 612.36 g

Your Zakat Assessment

Zakat Payable

$0.00

Rate applied to net zakatable wealth

Zakat Status

Checking

Compared against the nisab threshold

Net Zakatable Wealth

$0.00

Assets minus deductible liabilities

Applicable Nisab

$0.00

Threshold in use

Margin Against Nisab

$0.00

Distance from the threshold

Net Wealth Against the Nisab Threshold

Net wealth Nisab

Your net wealth compared with the threshold that makes Zakat payable.

Zakatable Asset Mix

Cash and bank 0%

Gold and silver 0%

Business assets 0%

Investments 0%

Full Working

Cash in hand$0.00

Bank and savings balances$0.00

Gold held$0.00

Silver held$0.00

Business stock for resale$0.00

Receivables expected$0.00

Investments and shares$0.00

Total zakatable assets$0.00

Short-term debts due$0.00

Bills and expenses payable$0.00

Total deductible liabilities$0.00

Net zakatable wealth$0.00

Zakat rate applied2.5%

Zakat payable$0.00

Gold Nisab vs Silver Nisab

Nisab standard	Threshold weight	Price per gram	Nisab value	Your net wealth	Verdict

What This Result Assumes

Zakat becomes payable only after your net wealth has remained at or above nisab for one complete lunar year.

Formula Used

Net = zakatable assets − deductible liabilities | Nisab = threshold grams × metal price per gram | Zakat = Net × 2.5% when Net ≥ Nisab for one hawl

How Common Assets and Debts Are Treated

Item	Zakatable	Basis used here
Cash, bank and savings balances	Yes	Full balance on your Zakat date
Gold and silver, including jewellery	Yes	Market value of the metal content
Business stock held for resale	Yes	Resale value on your Zakat date
Trade receivables likely to be recovered	Yes	Full amount of recoverable debt
Shares bought to trade	Yes	Market value on your Zakat date
Shares held long term	Partly	Zakatable share of underlying assets; many bodies approximate 25% to 30% of market value
Pension you cannot yet access	Usually no	Not fully in your possession; scholars differ
Home, car, furniture and clothing in use	No	Personal-use items are exempt
Business fixed assets and machinery	No	Not held for resale
Bills, credit cards and instalments due now	Deductible	Subtracted from zakatable assets
Long-term loans such as a mortgage	Partly deductible	Commonly only the instalments due within twelve months

These are widely held positions rather than a single ruling. Schools of law differ, particularly on jewellery in regular personal use, long-term shares and pensions. Confirm your own case with a qualified scholar or your local Zakat authority.

Check Before You Pay

The metal prices and nisab weights above are editable defaults, not live market data. Update the gold and silver price per gram on the day you calculate, since the nisab value moves with the market. The 87.48 g and 612.36 g weights are the classical conversions of 20 mithqal and 200 dirham and are themselves reported with small variations.

Understanding Zakat al-Mal

Nisab: The Threshold That Triggers Zakat

Nisab is the minimum net wealth that makes Zakat obligatory. It is defined by weight, not by currency: 87.48 grams of gold or 612.36 grams of silver. Because silver is far cheaper per gram, the silver nisab is a much lower bar, and most scholars and relief agencies prefer it so that more wealth is captured and more of the poor benefit. Whichever standard you choose, apply it consistently year after year.

Hawl: The Lunar Year Rule

One lunar year: about 354 days, eleven days shorter than a solar year
Start date: the day your net wealth first reached nisab
Mid-year dips: most scholars ignore them if you are above nisab at both ends
Solar year users: a common adjustment is to pay 2.577% instead of 2.5%
Crops and livestock: follow separate rules and are not covered by this calculator

The Eight Categories of Recipients (Asnaf)

Al-Fuqara: the poor, with little or no income
Al-Masakin: the needy, unable to meet basic needs
Al-Amilin: those employed to collect and administer Zakat
Al-Muallafat Qulubuhum: those whose hearts are to be reconciled
Fir-Riqab: freeing people from bondage or captivity
Al-Gharimin: those burdened by lawful debt
Fi Sabilillah: those striving in the cause of Allah
Ibn as-Sabil: the stranded or destitute traveller

Mistakes That Distort the Figure

Deducting a whole mortgage: only near-term instalments are normally deductible
Forgetting money lent out: recoverable loans you have made are your asset
Valuing gold at purchase price: use today's market value, not what you paid
Using last year's nisab: the threshold changes with metal prices
Netting off future salary: income not yet received is not counted
Paying to ineligible relatives: parents, children and spouse are excluded

2.5% of Net Zakatable Wealth

Zakatable Assets

Deductible Liabilities

Nisab Settings

Your Zakat Assessment

Net Wealth Against the Nisab Threshold

Zakatable Asset Mix

Full Working

Gold Nisab vs Silver Nisab

What This Result Assumes

Formula Used

How Common Assets and Debts Are Treated

Check Before You Pay

Understanding Zakat al-Mal

Nisab: The Threshold That Triggers Zakat

Hawl: The Lunar Year Rule

The Eight Categories of Recipients (Asnaf)

Mistakes That Distort the Figure

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