Zakat Calculator 2026
Calculate your annual Zakat obligation — the Islamic 2.5% wealth contribution. Enter your assets below to find how much is due, check the 2026 nisab threshold, and learn how Zakat works across different countries.
Zakat is the Islamic obligation to donate 2.5% of your qualifying net wealth above the nisab threshold once per lunar year. The nisab in 2026 is approximately $7,500 (gold standard, 85g) or $550 (silver standard, 595g). If your savings, gold, investments and business assets — minus short-term debts — have exceeded the nisab for a full lunar year, you owe 2.5% of the total to eligible recipients.
Zakat Calculator
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Pay Zakat Securely →What is Zakat?
Zakat (زكاة, meaning "purification" or "growth") is the third of the Five Pillars of Islam. It is a mandatory annual charitable contribution of 2.5% of a Muslim's qualifying net wealth that has been held above the nisab threshold for one complete lunar year.
Unlike voluntary charity (sadaqah), Zakat is a religious obligation (fard) for every adult Muslim who meets the wealth conditions. It is mentioned in the Quran 32 times alongside the obligation to pray (salah), emphasising its importance as a pillar of Islamic faith. Zakat serves a dual purpose: it purifies the wealth of the giver and provides for the needy in the community.
The Quran (9:60) defines eight categories of people eligible to receive Zakat: the poor (fuqara), the needy (masakeen), Zakat administrators, those whose hearts are to be reconciled to Islam, those in bondage, those in debt, in the cause of Allah (fi sabilillah), and stranded travellers (ibn as-sabil).
Who Must Pay Zakat?
Zakat is obligatory on every Muslim who simultaneously meets these conditions:
- Adult Muslim — has reached puberty (bulugh)
- Free person — not enslaved (historically applicable)
- Owns wealth above the nisab — the minimum threshold (see below)
- For a full hawl — the wealth has been above nisab for one complete lunar year
Non-Muslims are not required to pay Zakat. Children's wealth held in trust is subject to Zakat according to the Shafi'i and Maliki schools, but not according to Hanafi scholars. The wealth does not need to be in use — idle savings above the nisab for a full year are zakatable.
Nisab Threshold 2026
The nisab is the minimum wealth threshold below which Zakat is not obligatory. It is set at either 85 grams of gold or 595 grams of silver. Because gold and silver prices fluctuate daily, the nisab changes constantly. The table below shows approximate 2026 values:
| Standard | Weight | 💵 USD | 💷 GBP | 🇦🇪 AED | 🇲🇾 MYR | 🇵🇰 PKR |
|---|---|---|---|---|---|---|
| Gold (Hanafi preferred) | 85g | ~$7,480 | ~£5,850 | ~27,450 | ~RM35,000 | ~PKR 2.1M |
| Silver (widely used, lower) | 595g | ~$548 | ~£430 | ~2,010 | ~RM2,570 | ~PKR 153K |
*Prices approximate for 2026. Gold ~$88/g, Silver ~$0.92/g. Verify live prices at kitco.com or similar.
Zakat al-Mal vs Zakat al-Fitr
Zakat al-Mal
Annual 2.5% on qualifying net wealth above the nisab, held for a full lunar year. Covers cash, savings, gold, silver, investments, and business inventory. Paid at any point in the year on your Zakat anniversary date.
Zakat al-Fitr
Smaller, separate obligation paid at end of Ramadan before Eid al-Fitr prayer. Approximately 2.5–3 kg of staple food (wheat, rice, dates) or its cash equivalent per person in the household. In 2026: approximately £5–15 / $7–20 per person in Western countries. Every Muslim — including children — must pay if they have sufficient means.
How to Calculate Zakat Step by Step
Choose a fixed date each lunar year — the first of Ramadan is most common. Your wealth must have stayed above the nisab for a full lunar year before Zakat is owed.
Cash and bank savings + Current market value of gold and silver (all forms) + Stocks, shares, and investment funds + Business inventory (trade goods) + Money owed to you that you expect to collect.
Deduct debts due within the next year: outstanding bills, credit card balances, short-term loans. Long-term mortgage balances are subject to scholarly debate — many scholars say deduct one year's instalment.
If net wealth ≥ nisab and has been for a full lunar year → Zakat is obligatory. If below nisab → no Zakat this year. Most scholars recommend checking on your Zakat anniversary date.
Zakat = Net zakatable wealth × 0.025. Example: $45,000 net zakatable assets → $45,000 × 0.025 = $1,125 Zakat due.
Pay to one or more of the eight Quranic categories of recipients. You can give directly to individuals or through a registered Islamic charity.
Zakat by Country: Nisab, Law, and How to Pay
Zakat regulations and collection mechanisms vary significantly across Muslim-majority and Western countries.
| Country | Nisab 2026 (local currency) | State-Mandated? | Main Collection Body | Online Payment |
|---|---|---|---|---|
| 🇸🇦 Saudi Arabia | Gold: ~SAR 28,050 · Silver: ~SAR 2,070 | Yes (corps & nationals) | ZATCA — zatca.gov.sa | ✅ |
| 🇦🇪 UAE | Gold: ~AED 27,450 · Silver: ~AED 2,010 | No (personal) | Dubai Islamic Economy / local mosques | ✅ |
| 🇲🇾 Malaysia | Gold: ~RM 35,700 · Silver: ~RM 2,570 | Yes (state-level) | State Religious Councils — ezakat.my | ✅ |
| 🇵🇰 Pakistan | Gold: ~PKR 2.1M · Silver: ~PKR 153K | Yes (Sunni auto-deduct) | Central Zakat Administration (banks) | ✅ |
| 🇮🇩 Indonesia | Gold: ~IDR 120.7M · Silver: ~IDR 8.9M | Encouraged, not mandatory | BAZNAS — baznas.go.id | ✅ |
| 🇪🇬 Egypt | Gold: ~EGP 225,000 · Silver: ~EGP 16,600 | No (personal) | Dar al-Iftaa / banks / mosques | ✅ |
| 🇬🇧 UK | Gold: ~£5,850 · Silver: ~£429 | No (personal) | National Zakat Foundation, Islamic Relief UK | ✅ |
| 🇺🇸 USA | Gold: ~$7,480 · Silver: ~$547 | No (personal) | ISNA, Zakat Foundation of America, LaunchGood | ✅ |
| 🇨🇦 Canada | Gold: ~CAD 10,200 · Silver: ~CAD 744 | No (personal) | Islamic Relief Canada, Penny Appeal Canada | ✅ |
*Nisab values approximate for 2026. Gold ~$88/g (SAR 330/g, AED 323/g, RM 420/g, PKR 24,700/g, IDR 1,420,000/g, EGP 2,650/g). Silver ~$0.92/g. Verify live gold/silver prices for the exact threshold.
Differences Between Sunni and Shia Zakat
The four Sunni schools of jurisprudence (Hanafi, Maliki, Shafi'i, Hanbali) agree on the core 2.5% rate and most zakatable asset categories, but differ on details:
- Nisab standard: Hanafi school allows using either gold (85g) or silver (595g) as the nisab — many Hanafi scholars recommend silver as it is lower and ensures more people pay. Shafi'i and Maliki schools primarily use gold nisab for cash and savings.
- Gold jewellery: Hanafi — Zakat is due on all gold jewellery above nisab. Shafi'i and Maliki — Zakat is not due on jewellery worn for personal use.
- Business stock: All four Sunni schools agree that business inventory held for trade is zakatable at market value.
- Shia (Ithna Ashari) Zakat: Zakat applies to nine specific items: gold, silver, wheat, barley, dates, raisins, camels, cattle, and sheep. Cash savings are not directly zakatable under traditional Shia jurisprudence, though many Shia scholars have extended rulings for modern wealth. Khums (20% on net annual gain above expenses) supplements Zakat in Shia practice.