# Zakat Calculator

URL: https://speedycalculator.com/calculators/finance/zakat/
Last updated: 2026-10-25

> The zakat calculator works out the zakat due on your wealth – cash, bank savings, gold, silver, investments, business stock and money owed to you, minus debts due now – at 2.5%, if your net wealth is above the nisab threshold based on gold (87.48 g) or silver (612.36 g).

## Inputs

- Cash in hand and bank accounts
- Gold owned (g)
- Silver owned (g)
- Gold price per gram
- Silver price per gram
- Shares, funds and other investments
- Business stock / merchandise
- Money owed to you (likely to be repaid)
- Debts and bills due now
- Nisab based on

## Results

- Value of gold
- Value of silver
- Net zakatable wealth
- Nisab threshold
- Zakat payable
- Is zakat due?

## Formula

```
Zakatable wealth = cash + bank + gold value + silver value + investments + business stock + receivables − debts and bills due
Nisab = 87.48 g of gold or 612.36 g of silver × price per gram
Zakat = 2.5% × zakatable wealth (if wealth ≥ nisab and held for a lunar year)
```

## Explanation

Many scholars recommend the silver nisab because it is lower and benefits more of the poor; others use gold. Personal items like your home, car and everyday clothing are not zakatable. Consult a scholar for specific situations.

### How to use the Zakat Calculator

- **Cash in hand and bank accounts**
- **Gold owned**
- **Silver owned**
- **Gold price per gram**
- **Silver price per gram**
- **Shares, funds and other investments**
- **Business stock / merchandise**
- **Money owed to you (likely to be repaid)**
- **Debts and bills due now**
- **Nisab based on**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter your assets and liabilities, the current gold and silver price per gram and choose which nisab to use.

### Tips

- Use your real spending from bank statements rather than guesses.
- Automate savings so they happen before you spend.
- Revisit your plan once a year or after any big life change.
- Keep an emergency fund before investing for long-term goals.

### Common mistakes to avoid

- Underestimating irregular expenses such as car repairs, gifts and annual bills.
- Ignoring inflation for long-term goals.
- Taking on high-interest debt to fund wants.

### Inputs explained

FieldWhat to enterCash in hand and bank accountsAmount in Rs Gold ownedIn gSilver ownedIn gGold price per gramAmount in Rs Silver price per gramAmount in Rs Shares, funds and other investmentsAmount in Rs Business stock / merchandiseAmount in Rs Money owed to you (likely to be repaid)Amount in Rs Debts and bills due nowAmount in Rs Nisab based onChoose one: Gold (87.48 g), Silver (612.36 g)

### What each result means

- **Value of gold** = [Gold owned]×[Gold price per gram]
- **Value of silver** = [Silver owned]×[Silver price per gram]
- **Net zakatable wealth** = [Cash in hand and bank accounts] + [Value of gold] + [Value of silver] + [Shares, funds and other investments] + [Business stock ÷ merchandise] + [Money owed to you (likely to be repaid)] - [Debts and bills due now]

### Example values

How the main result changes when **Cash in hand and bank accounts** changes and everything else stays at the example values above:

Cash in hand and bank accountsZakat payable150,00026,500225,00028,375300,00030,250375,00032,125450,00034,000600,00037,750

## Worked example

Inputs — Cash in hand and bank accounts: Rs 300,000; Gold owned: 20 g; Silver owned: 0 g; Gold price per gram: Rs 38,000; Silver price per gram: Rs 450; Shares, funds and other investments: Rs 200,000; Business stock / merchandise: Rs 0; Money owed to you (likely to be repaid): Rs 50,000; Debts and bills due now: Rs 100,000; Nisab based on: Silver (612.36 g).

Results — Value of gold = Rs 760,000.00; Value of silver = Rs 0.00; Net zakatable wealth = Rs 1,210,000.00; Nisab threshold = Rs 275,562.00; **Zakat payable = Rs 30,250.00**; Is zakat due? = Yes – your wealth is above the nisab.

## FAQ

**What is the zakat rate?**
2.5% of zakatable wealth held for one lunar year.

**What is nisab in 2026?**
87.48 g of gold or 612.36 g of silver at current prices.

**Is my house zakatable?**
No – a home you live in, your car and personal items are exempt.

**What formula does the Zakat Calculator use?**
Zakatable wealth = cash + bank + gold value + silver value + investments + business stock + receivables − debts and bills due.