Zakat is the third pillar of Islam — a mandatory annual charitable donation of 2.5% of a Muslim's qualifying net wealth above the nisab threshold. It is one of the Five Pillars of Islam and is obligatory on every adult Muslim who has held wealth above the nisab for one full lunar year (hawl). Zakat is distributed to eight eligible categories of recipients defined in the Quran (Surah 9:60), including the poor, the needy, and those in debt.

How do I calculate Zakat?

To calculate Zakat: (1) Add all qualifying assets: cash, savings, gold/silver, investments, business stock, money owed to you. (2) Subtract liabilities: debts due within the year. (3) If the net total has been above the nisab for one full lunar year, apply 2.5%. Example: $50,000 of qualifying assets, no debts due, held above the nisab for a full lunar year: Zakat = $50,000 × 0.025 = $1,250.

What is the nisab threshold in 2026?

The nisab is the minimum wealth before Zakat is due: the value of 85 grams of gold or 595 grams of silver. It follows metal prices, so it changes daily — multiply 85 by today's gold price per gram, or 595 by today's silver price per gram. The silver nisab is far lower, and many scholars recommend it because more people then pay Zakat. Use the price on the day your Zakat year ends.

What is the difference between Zakat al-Mal and Zakat al-Fitr?

Zakat al-Mal is the annual 2.5% wealth tax paid on qualifying assets held above the nisab for one lunar year. Zakat al-Fitr (Sadaqah al-Fitr) is a separate, smaller obligatory payment made at the end of Ramadan, before Eid al-Fitr prayer. It is approximately 2.5–3 kg of a staple food (wheat, rice, dates) or its equivalent cash value per person in a household — typically $5–$15 per person in Western countries in 2026. Every Muslim (including children) must pay Zakat al-Fitr if they have food beyond their immediate needs on the night of Eid.

Is Zakat tax-deductible?

In most Western countries, Zakat paid to registered charities is tax-deductible. UK: Zakat paid to Gift Aid-registered charities like Islamic Relief UK or National Zakat Foundation can attract Gift Aid (25p per £1 donated). USA: Zakat paid to 501(c)(3) charities like Islamic Society of North America is deductible. Canada: Zakat to registered charities earns a donation tax credit. In Muslim-majority countries: Saudi Arabia treats Zakat as fulfilling corporate tax obligations; Malaysia allows Zakat to offset income tax.

Which countries mandate Zakat by law?

Zakat is legally mandated in: Saudi Arabia (collected by the General Authority of Zakat and Tax for Saudi nationals), Libya, Yemen, and Pakistan (auto-deducted from bank accounts under the Zakat and Ushr Act 1980 for Sunni Muslims). Malaysia mandates Zakat collection through state religious councils (Majlis Agama Islam). Indonesia, Egypt, UAE, UK, USA, and Canada leave Zakat as a personal religious obligation without state enforcement.

How do I pay Zakat online?

Zakat can be paid online to verified Islamic charities: UK — Islamic Relief UK (islamicrelief.org.uk), National Zakat Foundation (nzf.org.uk), Muslim Aid. USA — ISNA (isna.net), LaunchGood, Zakat Foundation of America. Canada — Islamic Relief Canada, Penny Appeal Canada. UAE — Dubai Cares, Abu Dhabi-based charities. Saudi Arabia — via GAZT (zatca.gov.sa) portal. Malaysia — via e-Zakat portals of each state's Islamic Religious Council (LHDN integrations). Ensure any organisation is a registered charity in your country.

What assets are included in Zakat calculation?

Zakatable assets include: (1) Cash (in hand, bank accounts, savings). (2) Gold and silver (jewellery if above nisab, bullion, coins — though scholars differ on gold jewellery worn regularly). (3) Stocks and shares (either full market value or a proportion). (4) Business inventory and stock for trade. (5) Rental income received. (6) Money owed to you (receivables you expect to collect). NOT zakatable: Your primary home, personal car, household furniture, clothing, tools of trade, farmland used for personal food. Debts owed by you can be subtracted from zakatable assets.

What is the hawl (lunar year) condition for Zakat?

Hawl is the condition that wealth must be held above the nisab for a complete lunar year (approximately 354 days, or one Islamic calendar year) before Zakat becomes due. If your wealth falls below the nisab at any point during the year, the hawl resets and you must wait another full lunar year. Most people fix a Zakat anniversary date (e.g., start of Ramadan or Muharram) and calculate their zakatable wealth on that date each year. Business income, crop harvests (ushr), and mineral resources have different hawl rules.

🕌 2.5% of net wealth🌙 Annual lunar obligation💰 Gold & silver nisab explained🌍 9 countries covered

Zakat Calculator 2026

Q: Who must pay Zakat?

Zakat is obligatory on every Muslim who: (1) is an adult (has reached puberty), (2) is sane and free, (3) has owned wealth above the nisab threshold, (4) for a complete lunar year (hawl). Non-Muslims are not required to pay Zakat. Children's wealth held in trust is subject to Zakat according to most scholars. The nisab is the minimum wealth threshold — set at either 85 grams of gold or 595 grams of silver (most scholars use whichever gives the lower threshold, i.e. silver).

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.

QUICK ANSWER

Zakat is the Islamic obligation to donate 2.5% of your qualifying net wealth above the nisab threshold once per lunar year. The nisab is the value of 85 g of gold or 595 g of silver, so it moves with metal prices — check it on the day your Zakat year ends. 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

Currency

Nisab standard

Silver price per gram (GBP)

Example price only. Enter the price per gram on the day your Zakat year ends.

Cash, bank and savings

Current accounts, savings, cash at home

Gold and silver you own

Market value today

Shares and investments

Zakatable portion of shares and funds

Business stock

Trade goods at sale value

Money owed to you

Loans you expect to be repaid

Debts due now

Bills and instalments currently due

Zakat due (2.5%)

£417.50

Your net zakatable wealth of £16,700.00 is above the silver nisab of £743.75.

Assets: £17,500.00
Net wealth: £16,700.00
Nisab: £743.75

Zakat is due only if your wealth stayed at or above the nisab for a full lunar year (hawl). Schools differ on jewellery, pensions and debts; ask a scholar you trust about your circumstances.

UK · related sites

Paying Zakat in the UK

This calculator works in any currency. If you live in the UK, these pages add a nisab already converted to pounds and the practical steps for paying. Check any organisation’s registration status and Zakat policy before you give.

Today’s nisab in pounds → dated gold and silver figures in £
How to pay Zakat in the UK → timing, Gift Aid and choosing a recipient
Fitrana calculator → Zakat al-Fitr per person
Give through World Aid Network → eye surgery, cancer care and emergency relief

Related site: zakat-calculator.org.uk is run by World Aid Network, whose editorial director, Kaiser Khan, also edits WorldCalculators. Related organisation: World Aid Network’s editorial director, Kaiser Khan, also edits WorldCalculators. It has applied to register as a charity and does not yet have a registered charity number.

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	How to work it out
Gold (Hanafi preferred)	85g	85 × today’s gold price per gram, in your currency
Silver (widely used, lower)	595g	595 × today’s silver price per gram — usually well under a tenth of the gold figure

Check a dated gold or silver price per gram (for example from a bullion dealer or your bank) on the day your Zakat year ends.

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

Set your Zakat anniversary date

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.

List all zakatable assets

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.

Subtract short-term liabilities

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.

Check against the nisab

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.

Apply 2.5%

Zakat = Net zakatable wealth × 0.025. Example: $45,000 net zakatable assets → $45,000 × 0.025 = $1,125 Zakat due.

Distribute to eligible recipients

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	State-Mandated?	Main Collection Body	Online Payment
🇸🇦 Saudi Arabia	Yes (corps & nationals)	ZATCA — zatca.gov.sa	✅
🇦🇪 UAE	No (personal)	Dubai Islamic Economy / local mosques	✅
🇲🇾 Malaysia	Yes (state-level)	State Religious Councils — ezakat.my	✅
🇵🇰 Pakistan	Yes (Sunni auto-deduct)	Central Zakat Administration (banks)	✅
🇮🇩 Indonesia	Encouraged, not mandatory	BAZNAS — baznas.go.id	✅
🇪🇬 Egypt	No (personal)	Dar al-Iftaa / banks / mosques	✅
🇬🇧 UK	No (personal)	National Zakat Foundation, Islamic Relief UK	✅
🇺🇸 USA	No (personal)	ISNA, Zakat Foundation of America, LaunchGood	✅
🇨🇦 Canada	No (personal)	Islamic Relief Canada, Penny Appeal Canada	✅

The nisab in every country is the local value of 85 g of gold or 595 g of silver on the day your Zakat year ends. Metal prices move daily, so use a dated price rather than a figure printed in advance.

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.

Frequently Asked Questions

Is gold jewellery included in Zakat? ▾

It depends on your school of jurisprudence. Hanafi scholars say Zakat is due on all gold jewellery above the nisab. Shafi'i and Maliki scholars say jewellery worn for personal use (not kept as an investment) is exempt. If you follow the Hanafi position: total all your gold jewellery weight + bullion + coins, and if the gold equivalent exceeds 85g, pay 2.5% of the market value.

Do I pay Zakat on my pension or 401(k)? ▾

Scholars differ. For a pension you cannot access yet: many say wait until you can access it, then pay Zakat if it exceeds the nisab. For a self-directed pension (like a SIPP or Solo 401k where you choose investments): some scholars say pay 2.5% on the current value annually; others say only on the unvested accessible portion. Islamic Finance scholars often recommend a middle position: pay Zakat on the portion you could withdraw today minus any tax penalty.

My mortgage is larger than my assets — do I still pay Zakat? ▾

For your primary home: the home itself is not zakatable, nor is the mortgage balance. For investment property: the situation is debated. Many scholars say deduct one year's mortgage instalments from zakatable assets. For zakatable liquid assets (cash, gold, stocks) — if these exceed the nisab after subtracting short-term debts, Zakat is due on the excess, even if you also have a large mortgage on your home.

Can I pay Zakat to non-Muslims or non-Islamic charities? ▾

Classical scholars say Zakat must be paid to Muslim recipients or to Islamic organisations distributing to the eight Quranic categories. General humanitarian aid to non-Muslims is sadaqah (voluntary charity), not Zakat. However, some contemporary scholars argue that paying to humanitarian organisations helping the destitute regardless of religion can fulfill the "fuqara" (poor) category if the work genuinely reaches those in need. Most practicing Muslims prefer to use dedicated Islamic Zakat organisations.

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Cite this page APA · MLA · BibTeX

APA

WorldCalculators.org. (2026, September 25). Zakat Calculator 2026: 2.5% on Savings, Gold & Assets. https://worldcalculators.org/calculators/zakat/

MLA

“Zakat Calculator 2026: 2.5% on Savings, Gold & Assets.” WorldCalculators.org, 25 Sept. 2026, worldcalculators.org/calculators/zakat/.

BibTeX

@misc{worldcalculators2026calculatorszakat,
  title        = {Zakat Calculator 2026: 2.5% on Savings, Gold & Assets},
  author       = {{WorldCalculators.org}},
  year         = {2026},
  howpublished = {\url{https://worldcalculators.org/calculators/zakat/}}
}

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