Zakat Calculator (2026) – Calculate Zakat on Gold, Silver, Cash & Business

Free online Zakat calculator for Gold, Silver, Cash & Business assets

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About This Zakat Calculator – A Guide for Muslims worldwide

What is Zakat?

Zakat is one of the Five Pillars of Islam and a mandatory annual charity that every eligible Muslim must pay. It is calculated as 2.5% of your net zakatable wealth — total assets minus short-term liabilities — provided that wealth has remained above the Nisab threshold for one full lunar year (Hawl). Zakat purifies wealth and redistributes resources within the Muslim community, making it both a spiritual obligation and a social welfare system.

Who Needs to Pay Zakat?

Any Muslim who is an adult (post-puberty), sane, and owns wealth equal to or above the Nisab threshold for a complete lunar year is obligated to pay Zakat. With fluctuating prices of gold and silver, the Nisab threshold changes throughout the year — use this free Zakat calculator to check whether you are eligible and how much Zakat you owe.

What Assets Are Included in Zakat?

  • Gold & Silver: All gold jewellery, coins, and bars. Zakat on gold applies even to ornaments in the Hanafi school. Gold Nisab is 87.48 g; Silver Nisab is 612.36 g.
  • Cash & Bank Balance: Cash in hand, savings accounts, current accounts, and fixed deposits are fully zakatable.
  • Business Stock & Inventory: The current market value of goods held for trade counts as Zakat on business assets at 2.5%.
  • Investments: Shares, mutual funds, and properties purchased for resale are included at current market value.
  • Receivables: Loans you have given to others and money owed to you that you expect to receive are zakatable.

What is Nisab?

Nisab is the minimum wealth threshold that makes Zakat obligatory. Two Nisab standards exist: the Gold Nisab (87.48 grams of gold) and the Silver Nisab (612.36 grams of silver). Most contemporary scholars recommend the Silver Nisab for people with mixed assets (cash + gold + business), as it has a lower threshold and includes more people obligated to contribute to charity. Enter the current market price of gold or silver in the calculator above to get the exact Nisab value inn Rupees.

Why Use This Zakat Calculator for?

This Zakat calculator is built for Muslims worldwide. It supports 11 currencies, provides Nisab calculations based on current gold and silver prices, and covers all major asset categories. Whether you need to calculate Zakat on gold, determine Zakat on your business stock, or understand zakat calculation 2.5% on your total savings, this tool makes it accurate and simple. The calculator is available in 10 languages — select your preferred language from the menu at the top.

Zakat Guides & Articles

Deepen your understanding of Islamic finance with these comprehensive Zakat guides written for Muslims worldwide:

Frequently Asked Questions (FAQ) – Zakat

How to calculate Zakat?

To calculate Zakat: (1) Add up all zakatable assets — cash, bank balance, gold, silver, business stock, and investments. (2) Subtract short-term liabilities due within the year (loan instalments, pending bills). (3) Check if your net wealth meets or exceeds the Nisab threshold. (4) If yes, pay 2.5% of your net zakatable wealth as Zakat. Use the free Zakat calculator above to automate these steps.

What is Nisab?

Nisab is the minimum wealth threshold that triggers the Zakat obligation. There are two Nisab values: Gold Nisab (87.48 grams of gold) and Silver Nisab (612.36 grams of silver). If your total zakatable wealth equals or exceeds the Nisab and has been at that level for one full lunar year, Zakat becomes obligatory. The Silver Nisab is generally recommended for mixed assets (cash + gold + business).

Is Provident Fund (PF) included in Zakat?

This is a matter of scholarly debate. Many contemporary scholars hold that Zakat on Provident Fund applies only to the portion you can access or withdraw. Since PF is generally inaccessible until retirement or resignation, many scholars consider it exempt until withdrawal. However, some scholars say Zakat applies to the full PF balance. Read our full guide on Zakat on Provident Fund and consult a qualified Islamic scholar.

How much Zakat on gold?

Zakat on gold is 2.5% of the total market value of your gold, provided you own 87.48 grams or more (Gold Nisab) and it has been in your possession for one full lunar year. For example, if you own 100 g of gold at $100/gram (total $10,000), your Zakat on gold = $250. In the Hanafi school, Zakat applies to all gold including everyday jewellery.

Is Zakat 2.5% on total savings?

Zakat is 2.5% on your net zakatable wealth, which is broader than just savings. It includes cash in hand, bank balance, gold, silver, business inventory, and investments, minus any short-term liabilities. It is not calculated on your total annual income or salary — only on accumulated wealth that has been above the Nisab for a complete lunar year.

Is there a Zakat calculator in multiple languages?

Yes. This Zakat calculator supports 10 languages including English, Arabic, Hindi, Urdu, Bengali, French, Spanish, Portuguese, Russian, and Chinese. Select your preferred language from the language menu at the top of the calculator page.

Can I use this calculator for Zakat on business assets?

Yes. This Zakat calculator supports Zakat on business stock and inventory. Enter the current market value of your trade goods, stock, and receivables in the "Business Stock" field. The calculator adds it to your total zakatable wealth and computes 2.5% Zakat on business assets automatically.