Zakat Calculator 2026
Calculate your Zakat in under 60 seconds. Multi-currency, gold & silver nisab, crypto, stocks, and retirement accounts — reviewed by certified scholars.
Your Zakat Details
Enter values as of today. Leave blank any field that doesn’t apply.
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Reviewed by Mufti Salim Qasmi
Graduate of Darul Uloom Deoband · Ijazah in Fiqh & Tafsir
Mufti Salim Qasmi is the lead Islamic scholar at IqraExpert. Darul Uloom Deoband (est. 1866, India) is one of the most respected Sunni seminaries in the world. All Zakat rulings and calculations in this tool follow mainstream Sunni Fiqh across the four madhabs.
How This Zakat Calculator Works
Zakat is calculated at 2.5% of your total zakatable wealth — provided that wealth has been at or above the nisab threshold for one full lunar (Hijri) year. This calculator does three things: it adds up your qualifying assets, subtracts your short-term liabilities, and compares the result to the nisab using the gold or silver standard you select.
Step-by-step
What Counts as Zakatable Wealth
✓ Included
- Cash, bank balances, foreign currency held
- Gold and silver (jewellery, coins, bars)
- Stocks, mutual funds, ETFs at market value
- Cryptocurrency — Bitcoin, Ethereum, and other digital assets
- Accessible retirement savings (401k, IRA, ISA, SIPP — the portion you can currently withdraw)
- Business inventory and stock-in-trade
- Saved rental income (not the property itself)
- Money you have lent to others (if recoverable)
✗ Not Included
- Your primary residence
- Personal vehicle and daily-use items
- Household furniture, clothing, appliances
- Tools of your profession you actively use
- Long-term mortgage principal (only current-year obligations are deducted)
- The rental property itself (capital asset, not trade goods)
Nisab Explained: Gold vs Silver
Nisab is the minimum wealth threshold before Zakat becomes obligatory. The Prophet ﷺ set two standards: 87.48 grams of gold or 612.36 grams of silver. In his time, both were roughly equal in value. Today silver is worth far less per gram, so silver nisab is a much lower threshold — meaning more Muslims qualify to pay Zakat under the silver standard.
The Hanafi madhab traditionally uses silver nisab — a position favoured for the social benefit of Zakat reaching more recipients. Many contemporary scholars in the Shafi’i, Maliki, and Hanbali schools recommend gold nisab, reasoning that it better reflects the intended level of wealth in the original ruling.
Our recommendation: Follow the guidance of your local scholar or the madhab you follow. The calculator supports both standards.
When is Zakat Due?
Zakat becomes due when your wealth has been at or above nisab for one complete lunar year — a period called the hawl. Choose a date in the Hijri calendar as your personal Zakat anniversary and calculate annually on that date. Many Muslims pick the 1st of Ramadan for convenience and the blessing of the month.
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What is Nisab in 2026?
Nisab is the minimum threshold of wealth a Muslim must own before Zakat becomes obligatory. It is measured as the value of 87.48 grams of gold (gold nisab) or 612.36 grams of silver (silver nisab). Scholars differ: the Hanafi school traditionally uses silver nisab (lower threshold, more people pay Zakat), while many contemporary scholars recommend gold nisab for most people today.
How much Zakat do I have to pay?
If your total zakatable wealth exceeds the nisab threshold and has been in your possession for one full lunar year (hawl), you pay 2.5% of that total wealth as Zakat. For example, if your zakatable assets total $10,000, your Zakat is $250.
Do I pay Zakat on Bitcoin and cryptocurrency?
Yes. The majority of contemporary scholars — including those from Darul Uloom Deoband and major fatwa councils — treat cryptocurrency as a form of wealth (maal) that is zakatable. Calculate the market value of your crypto holdings on the day of your Zakat anniversary and include it in your total wealth.
Is Zakat due on my 401k, pension, or ISA?
Zakat is generally due on the accessible portion of retirement accounts. For a 401k or ISA you can currently withdraw from, calculate Zakat on the present value minus any early-withdrawal penalties. For pensions you cannot currently access, many scholars exempt them until the funds become accessible. Consult your local scholar for your specific situation.
Should I use gold or silver nisab?
The Hanafi madhab traditionally uses silver nisab, which is the lower threshold and benefits more recipients of Zakat. The Shafi’i, Maliki, and Hanbali madhabs typically use gold nisab. Many contemporary scholars recommend gold nisab today because silver’s relative value has declined significantly since the Prophet’s time. Our calculator lets you choose based on your madhab or your scholar’s guidance.
When is Zakat due?
Zakat becomes due once your wealth has been at or above the nisab threshold for one full lunar (Hijri) year — a period called the hawl. Pick a date in the Hijri calendar as your personal Zakat anniversary — many Muslims choose the 1st of Ramadan — and calculate annually on that date.
Do I pay Zakat on my home, car, or furniture?
No. Items for personal use — your primary residence, personal vehicle, clothing, and household furniture — are not zakatable. Zakat applies only to wealth held for growth or savings: cash, gold, silver, investments, business inventory, and similar assets.
Who can receive my Zakat?
The Quran (9:60) specifies eight categories of Zakat recipients: the poor (fuqara), the needy (masakin), Zakat administrators, those whose hearts are inclined toward Islam, slaves seeking freedom, the debt-burdened, those striving in the path of Allah (fi sabilillah), and the stranded traveller (ibn al-sabil). You cannot give Zakat to direct ascendants or descendants (parents, children).