Zakat Calculator — Nisab Threshold
Calculate your annual Zakat liability accurately based on gold/silver Nisab thresholds, cash, jewelry, investments, and deductible immediate liabilities.
Nisab Benchmark Valuation (Per Gram)
Fetching live gold & silver spot prices from nisab.tahababa.com…
Zakatable Assets (Held for 1 Full Hawl / Year)
Deductible Immediate Short-Term Liabilities
Your Annual Zakat Obligation
✅ Zakat is Obligatory (Fardh)
Your net zakatable wealth ($22,400.00) exceeds the active Nisab threshold ($565.25). Provided this wealth has been held for one full lunar year (Hawl), you are obligated to disburse $560.00 to qualifying beneficiaries.
About this tool
How to use it
- Select your currency and preferred Nisab standard (Silver 595g is widely recommended by scholars to benefit more poor beneficiaries; Gold 85g is also supported).
- Gold and silver price per gram, and the resulting Nisab threshold, load automatically from the live nisab.tahababa.com feed for your selected currency — overwrite either field yourself if you have a more current local price.
- Enter all Zakatable liquid assets held across your Hawl (cash savings, gold/silver jewelry, stocks, crypto, trade inventory, and collectible receivables).
- Input your deductible immediate short-term living expenses and debts due this month.
- Review your calculated Net Zakatable Wealth and total Zakat due (2.5% on Hijri lunar calendar or 2.577% on Gregorian solar calendar).
Why it matters
Zakat is the third pillar of Islam—a mandatory annual charitable levy on qualifying surplus wealth. Calculating Zakat accurately requires determining whether your net liquid assets meet the Nisab minimum threshold and applying the 2.5% rate while properly separating deductible short-term living bills from non-deductible long-term liabilities.
When to use it
Use this calculator annually on your personal Zakat due date (commonly established during Ramadan or on an annual Hijri date), before disbursing charity, or during financial estate reviews.
Good to know
Zakat applies only to wealth that has been in your possession for one full lunar year (Hawl). Long-term debt (such as future years of a home mortgage) is not deducted in full; classical consensus allows deducting only the immediate overdue installment or current month's housing payment.
Common questions
What is Nisab?
Nisab is the minimum threshold of wealth a Muslim must possess before Zakat becomes obligatory. Classical Islamic law defines it as either 85 grams of 24k gold or 595 grams of pure silver. If your net zakatable wealth meets or exceeds this value for one full lunar year, Zakat is due.
Should I use the Gold or Silver Nisab standard?
Most contemporary scholars and Islamic councils (including the Hanafi school) strongly recommend using the Silver Nisab (595g) for general cash and mixed liquid wealth. Because silver has a lower market valuation than gold, using silver establishes a lower qualification threshold, allowing more charity to flow to eligible poor and needy families.
Is Zakat 2.5% or 2.577%?
Zakat is traditionally 2.5% (one fortieth) based on the Islamic Hijri lunar year (354 days). If you calculate and pay your Zakat based on the Gregorian solar calendar (365 days), scholars recommend adjusting the rate to 2.577% to account for the extra 11 days of accumulated wealth.
Is personal jewelry subject to Zakat?
Gold and silver bullion, coins, and investment jewelry are universally zakatable. For personal jewelry worn routinely by women, scholars differ: the Hanafi school considers all gold and silver jewelry zakatable, while the Shafi'i, Maliki, and Hanbali schools exempt customary personal jewelry not acquired for hoarding or investment.
Where do the gold and silver prices come from?
This tool fetches live spot prices and precomputed Nisab thresholds from nisab.tahababa.com, which sources its gold and silver rates from goldpricez.com. If that feed can't be reached, the price fields are left blank rather than showing an outdated guess — enter today's price yourself to continue.
Do I deduct my entire mortgage from my zakatable wealth?
No. Classical and contemporary scholarly consensus agrees that you cannot deduct the entire multi-decade principal balance of a home mortgage against your current liquid savings. You may only deduct the current month's mortgage payment due immediately on your Zakat calculation date.