Zakat Calculator 2026 — Gold, Silver & Asset Nisab
This Zakat calculator helps Muslims worldwide estimate their annual Zakat obligation for 2026. Zakat - one of the Five Pillars of Islam - is an obligatory annual payment of 2.5% of qualifying net wealth (above the nisab threshold) that has been in your possession for a full lunar year (Hawl). It is paid to eligible recipients including the poor, the indebted, and those working to collect and distribute Zakat.
This calculator is a planning tool. Always verify your final Zakat amount with a qualified Islamic scholar or local mosque, as scholarly opinions differ on certain asset types and nisab calculations.
Nisab Aware
Compare your net wealth against both gold and silver nisab standards.
Global Use
Use one calculator worldwide with currency-neutral planning and scholar cross-check.
2.5% Rule
Get a fast annual estimate from net zakatable wealth after liabilities.
Zakat Calculator
Estimate net zakatable wealth and 2.5% obligation with a clean global currency view.
Net Wealth
$80,000.00
Zakat Due (2.5%)
$2,000.00
Liabilities Deducted
$20,000.00
What is Nisab?
Nisab is the minimum wealth threshold above which Zakat becomes obligatory. There are two nisab standards, based on two different hadith:
| Nisab Method | Based On | Current Approximate Value (2026) |
|---|---|---|
| Gold Nisab | 87.48 grams of 24K gold | ~$8,700 USD (varies with gold price) |
| Silver Nisab | 612.36 grams of silver | ~$620 USD (varies with silver price) |
Which nisab should I use?
Scholars differ on this question. The gold nisab is the higher threshold and results in fewer people being obligated to pay Zakat. The silver nisab is the lower threshold and means more wealth-holders become liable. Many contemporary scholars recommend using the silver nisab to maximize Zakat collection and benefit to the poor. Some scholars advise using whichever method is locally standard in your community. Always consult a trusted scholar for your personal situation.
Zakatable Assets Reference
| Asset Type | Zakatable? | Notes |
|---|---|---|
| Cash (bank accounts, savings) | Yes | Full amount |
| Gold jewelry (investment/unused) | Yes | At current market value |
| Gold jewelry (regularly worn) | Scholars differ | Some exempt personal-use jewelry |
| Silver (any form) | Yes | At current market value |
| Stocks / Shares | Yes | Liquidation value or net asset method |
| Business inventory | Yes | Market value of stock |
| Rental income (received) | Yes | Net income in hand |
| Property (for resale) | Yes | Market value |
| Property (personal residence) | No | Primary home exempt |
| Personal vehicles | No | Used for personal transport |
| Loans receivable | Yes | Amounts likely to be recovered |
| Loans payable (your debts) | Deductible | Subtract from zakatable assets |
| Pension funds (accessible) | Scholars differ | Consult local guidance |
| Cryptocurrency | Emerging view | Most scholars: zakatable at market value |
How to use this Zakat calculator
- Step 1 - Add All Zakatable Assets: List cash savings, gold and silver holdings (at today's market value), business inventory, stocks, and receivable loans. Use current market values, not purchase price.
- Step 2 - Subtract Liabilities: Deduct debts you owe that are due within the year - credit card balances, loan installments due, rent owed. Long-term liabilities like a 30-year mortgage are generally not fully deductible in most scholarly opinions - consult your scholar on how to handle long-term debt.
- Step 3 - Check Nisab: Compare your net wealth against the nisab threshold. If your net zakatable wealth has been above nisab for a full lunar year (Hawl), Zakat is due.
- Step 4 - Calculate 2.5%: Zakat = Net Zakatable Wealth × 2.5%. This is the amount you owe for this Zakat year.
Understanding Your Zakat Result
If your net qualifying wealth remains above your selected nisab (gold or silver) for one lunar year, your Zakat due is generally 2.5%. Use this as a planning estimate and confirm final ruling with your scholar.
Zakat FAQs
Related calculators
Continue your finance planning with these connected tools.