Zakat Calculator
Calculate your annual Zakat obligation. Enter your assets and liabilities to find the 2.5% due on qualifying wealth above Nisab.
Assets (£)
Deductions (£)
Nisab Threshold (£)
Based on the current price of 87.48g of gold. Check your local authority for the latest value.
Total Assets
£0.00
Net Wealth
£0.00
Zakat Due (2.5%)
£0.00
This is an estimate only. Please consult a qualified Islamic scholar for a definitive ruling.
Understanding Zakat: The Third Pillar of Islam
Zakat is a mandatory annual charitable contribution — one of the Five Pillars of Islam. It requires Muslims whose wealth exceeds the Nisab threshold to give 2.5% of their qualifying wealth to those in need. It's not optional charity (that's Sadaqah) — it's a religious obligation.
The word "Zakat" means purification. The concept is that wealth is purified by giving a portion away, and that the right of the poor exists within the wealth of the rich. It's calculated once per lunar year (hawl) on assets held for a full year above the Nisab threshold.
What Is and Isn't Zakatable
| Zakatable Assets | Exempt Assets |
|---|---|
| Cash in hand and bank accounts | Primary residence |
| Gold and silver (including jewellery) | Personal vehicle |
| Investments, stocks, and shares | Household furniture and appliances |
| Business stock and inventory | Personal clothing and belongings |
| Money owed to you (receivables) | Tools of your trade |
| Rental income and property held for investment | Debts you owe (deducted from total) |
What this means for you: Zakat applies to productive and liquid wealth — money that could circulate in the economy. Personal-use items are exempt because they serve daily needs, not wealth accumulation. Scholars differ on some categories (like pension funds and crypto), so consult a qualified scholar for your specific situation.
Nisab Threshold Explained
Gold Nisab
87.48 grams of gold (approximately £4,500–6,000 depending on current gold prices). This is the more commonly used threshold and is typically higher than silver Nisab.
Silver Nisab
612.36 grams of silver (approximately £350–500). Using the silver Nisab means more people qualify to pay Zakat. Many scholars recommend using silver Nisab to benefit more recipients.
Check the current Nisab with your local Islamic authority or a trusted Zakat charity. The value changes with gold and silver prices. This calculator uses a default based on gold Nisab — adjust it to match the current value in your currency.
The Eight Categories of Zakat Recipients
The Quran specifies exactly eight categories of people eligible to receive Zakat (Surah At-Tawbah, 9:60). You can distribute your Zakat to one or more of these groups:
| Category (Arabic) | Who They Are | Modern Example |
|---|---|---|
| Al-Fuqara (the poor) | Those who cannot meet basic needs | Families below the poverty line |
| Al-Masakin (the needy) | Those who have some income but not enough | Working poor who struggle with essentials |
| Amil Zakat (collectors) | Those employed to administer Zakat | Staff at Zakat charities and organisations |
| Mu'allaf (new Muslims) | Those whose hearts are to be reconciled | New converts needing community support |
| Ar-Riqab (freeing captives) | Those in bondage or slavery | Modern anti-trafficking efforts |
| Al-Gharimin (debtors) | Those overwhelmed by debt | People in debt due to medical bills or disaster |
| Fi Sabilillah (God's cause) | Those striving in the path of Allah | Islamic education and community projects |
| Ibn as-Sabil (travellers) | Stranded travellers without resources | Refugees and displaced persons |
What this means for you: Many UK Zakat charities (National Zakat Foundation, Islamic Relief, Muslim Aid) distribute across multiple categories. If you prefer to direct your Zakat yourself, ensure the recipient falls within one of these eight groups.
Related Tools
How to use this tool
Enter your assets — cash, savings, gold, investments
Enter any outstanding debts
Set the Nisab threshold for your region
Common uses
- Calculating your annual Zakat obligation
- Determining if your wealth exceeds the Nisab threshold
- Working out Zakat on combined assets and investments
- Planning charitable giving during Ramadan
- Checking Zakat liability after deducting debts
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