Zakat Calculator
Add up your zakatable wealth — cash, gold, silver, investments, and money lent out — subtract debts, and see your 2.5% zakat with a nisab check. Works in any currency. Free, no sign-up.
Enter values in your own currency — the math is the same everywhere.
All accounts, in hand, mobile wallets
Jewellery, coins, bars at today’s price
At today’s price
Shares, trade goods, crypto
Loans you expect to be repaid
Bills and instalments currently due
Nisab (gold standard) = 87.48 g of gold · silver standard = 612.36 g of silver (a lower threshold many scholars prefer)
What counts toward zakat?
Zakatable wealth generally includes: cash in hand and in bank accounts, gold and silver at today's value, shares and investments, business inventory, and money others owe you that you expect back. Personal items like your home, car, furniture, and clothing are not zakatable. From the total, subtract debts that are currently due, and if what remains has stayed above nisab for a full lunar year, 2.5% is due.
The hardest part for most people isn't the math — it's knowing the numbers. Bank balances scattered across accounts, money lent to relatives nobody wrote down, savings in two currencies. Keeping your finances tracked year-round turns zakat day from an afternoon of guesswork into two minutes of confirmation.
Zakat FAQs
How is zakat calculated?
Zakat is 2.5% of your zakatable wealth — cash, gold, silver, investments, business inventory, and money owed to you — minus debts currently due, provided the total has remained above the nisab threshold for one full lunar year (hawl).
What is nisab and how much is it?
Nisab is the minimum wealth that makes zakat obligatory. It’s defined as the value of 87.48 grams of gold or 612.36 grams of silver — so the threshold in your currency changes with metal prices. Many scholars recommend using the lower silver nisab so more charity reaches those in need.
Do I pay zakat on money I lent to friends or family?
According to most scholars, yes — loans you genuinely expect to be repaid count as your wealth and are zakatable. (Doubtful loans are treated differently across schools of thought.) This is one more reason to keep clear records of money you’ve lent — an IOU tracker makes it effortless.
Is zakat due on gold jewellery I wear?
Schools of thought differ: the Hanafi position is that gold and silver jewellery is zakatable even in regular use, while others exempt personal-use jewellery. Follow your madhhab and confirm with a scholar you trust.
Can I calculate zakat in Pakistani rupees or any other currency?
Yes — this calculator is currency-agnostic. Enter everything in PKR, USD, AED, GBP, or any currency; just use the same currency for all fields, including the gold price per gram for the nisab check.
Related: IOU & Lending Tracker · Multi-Currency Budget App · All tools