Does Zakat use the lunar or solar calendar?

The lunar (Hijri) calendar, about 11 days shorter than the Gregorian year.

What counts as a 'short-term debt' I can subtract?

Generally debts due imminently — this varies by scholarly opinion, so check with a knowledgeable source.

Do retirement accounts count as Zakatable wealth?

Views differ significantly depending on the account's structure — consult a local imam or scholar.

Is Zakat the same as general charity (sadaqah)?

No — Zakat is a specific, obligatory pillar of Islam with defined calculation rules.

What if my wealth dropped below Nisab partway through the year?

Traditional views generally hold that wealth must remain at or above Nisab throughout the lunar year — consult a scholar for your situation.

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Finance

Zakat Calculator

Zakat owed (2.5%) on eligible wealth above the Nisab threshold, gold or silver standard.

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Last reviewed 2026-08-30

About the Zakat Calculator

Calculates Zakat owed — 2.5% of Zakat-eligible wealth (cash, gold/silver, investments, and business inventory, minus short-term debts) — once that net wealth has met or exceeded the Nisab threshold, using either the gold or silver Nisab standard.

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How to use it

Choose the Nisab standard — gold (87.48g) or silver (612.36g).
Enter today's price per gram for that metal.
Enter your cash, gold/silver value, investments, and business inventory.
Enter any short-term debts you owe.
Read your net Zakatable wealth and the Zakat due, if you meet the Nisab.

Formula

Nisab value = Nisab weight × current price per gram. Gross assets = cash + gold/silver value + investments + business inventory. Net Zakatable wealth = gross assets − short-term debts. If net wealth ≥ Nisab value: Zakat due = net wealth × 2.5%.

Worked example

With $5,000 cash and no other assets or debts, using the silver Nisab at $0.95/gram: Nisab value is $581.74, and since $5,000 exceeds that, Zakat due is $125.

Nisab thresholds by standard

Nisab thresholds by standard
Standard	Weight	Note
Gold	87.48 grams (~7.5 tola)	Higher threshold — fewer people reach it
Silver	612.36 grams (~52.5 tola)	Lower threshold — many contemporary scholars recommend this

Interpreting your result

Zakat is due once net Zakatable wealth has remained at or above the Nisab threshold for one full lunar (Hijri) year, not the Gregorian calendar year. Specific fiqh rulings can vary by school of thought and individual scholarly opinion — consult a knowledgeable local imam or Islamic scholar for anything consequential.

Recommendations

• The silver standard gives a meaningfully lower threshold than gold.
• Business inventory means goods actually held for trade or resale at current market value.
• Zakat is calculated on wealth held for a full lunar year.

Frequently asked questions

Gold and silver prices have diverged very differently from their historical ratio, so the two standards now produce very different threshold amounts.