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
| Field | What to enter |
|---|---|
| Cash in hand and bank accounts | Amount in Rs |
| Gold owned | In g |
| Silver owned | In g |
| Gold price per gram | Amount in Rs |
| Silver price per gram | Amount in Rs |
| Shares, funds and other investments | Amount in Rs |
| Business stock / merchandise | Amount in Rs |
| Money owed to you (likely to be repaid) | Amount in Rs |
| Debts and bills due now | Amount in Rs |
| Nisab based on | Choose 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 accounts | Zakat payable |
|---|---|
| 150,000 | 26,500 |
| 225,000 | 28,375 |
| 300,000 | 30,250 |
| 375,000 | 32,125 |
| 450,000 | 34,000 |
| 600,000 | 37,750 |
Formula
Zakatable wealth = cash + bank + gold value + silver value + investments + business stock + receivables − debts and bills dueNisab = 87.48 g of gold or 612.36 g of silver × price per gramZakat = 2.5% × zakatable wealth (if wealth ≥ nisab and held for a lunar year)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.
Frequently asked questions
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.