Zakat is an obligatory charity in Islam, usually 2.5% of qualifying wealth owned for one lunar year after deducting eligible debts.

Nisab is the minimum threshold of wealth. If your net zakatable wealth is at or above Nisab and held for one lunar year, Zakat becomes obligatory.

Do I subtract debts from my Zakat calculation?

Generally, short-term debts and immediate liabilities may be deducted from zakatable wealth. Complex cases vary by scholarly opinion.

Should I use gold or silver Nisab?

Some scholars prefer silver Nisab to help more people; others use gold. IslamTools lets you choose either method.

Is Zakat due on salary?

Zakat is due on saved salary and other assets if your total net zakatable wealth stays above Nisab for one lunar year.

Zakat Calculator – IslamTools

Zakat Calculator

Calculate your Zakat with Nisab check • Cash • Gold • Silver • Business assets • Debts • 2.5% rate • Helpful guidance

🧮 Calculate Your Zakat

✅ Standard rate: 2.5% ⚖️ Nisab: Gold or Silver ➖ Debts deductible

Currency (label only)

Nisab method

Cash & bank balance

Gold value (total)

Silver value (total)

Business assets (inventory/trade)

Investments (optional)

Debts & immediate liabilities

Nisab value (enter current amount)

Hawl completed? (1 lunar year)

📘 Quick Guidance

Net Zakatable Wealth = (cash + gold + silver + business + investments) − debts.

If your net wealth is ≥ Nisab and held for one lunar year, Zakat is generally obligatory.

Tip: Enter today’s Nisab value (gold or silver method) in your currency. Many people use the silver Nisab to benefit more needy people.

🤲 Intention matters 📅 Lunar year ⚖️ Ask a scholar for complex cases

Accurate Zakat Calculator for Modern Muslims

IslamTools Zakat Calculator helps you estimate your Zakat based on the classical understanding of zakatable wealth: cash, trade assets, gold and silver (owned as wealth), and similar liquid assets. It also supports subtracting immediate liabilities to get a clearer net figure.

Zakat becomes obligatory when you own at least the Nisab threshold and your wealth remains above that threshold for one lunar year. Since Nisab is tied to gold or silver, the calculator lets you choose a method and enter a Nisab value in your currency for accuracy.

Related tools: Prayer Times • Qibla Direction • Hijri Calendar

This tool is designed for clarity and convenience. For special situations (business accounting, loans, mixed assets, pensions, or complex investments), consult a qualified scholar or local Zakat authority.

FAQs

What is Zakat?

Zakat is an obligatory charity in Islam. It is typically 2.5% of qualifying wealth owned for one lunar year, after eligible deductions.

Do I subtract debts?

Many scholars allow deduction of short-term liabilities due soon. For long-term debts or complex finances, consult your local scholar.

Do I pay Zakat on salary?

Zakat is due on savings from salary if your total net wealth stays above Nisab for a lunar year.

Which Nisab should I use?

Some use silver Nisab (lower threshold), others use gold Nisab. IslamTools supports both—choose according to your preference/scholarly guidance.