Zakat Calculator: Calculate Your Annual Zakat in Minutes
A simple, scholar-aligned Zakat calculator for individuals and Islamic nonprofits. Calculate Zakat on cash, gold, silver, business inventory, and investments using the Nisab threshold and the standard 2.5% rate.
How Zakat is calculated
Zakat is due annually on wealth held for one lunar year (hawl) above the Nisab threshold — the value of 87.48 grams of gold or 612.36 grams of silver, whichever is lower at the time of calculation. The rate is 2.5% (one-fortieth) of qualifying assets.
What counts toward Zakat
- Cash & bank balances — checking, savings, money market accounts
- Gold & silver — jewelry, bullion, coins (scholarly opinions vary on personal-use jewelry; consult your local scholar)
- Investment assets — stocks held for trade at market value, retirement accounts (with applicable scholarly opinions), business inventory
- Receivables — money owed to you that is reasonably collectible
- Rental property income — net rental income held above Nisab
What does not count toward Zakat
- Primary residence and personal-use vehicles
- Tools of trade you actively use (not for sale)
- Outstanding short-term liabilities you intend to pay before next Hawl
Quick Zakat calculation formula
Zakat owed = (Total qualifying assets − immediate liabilities) × 2.5%
Example: If your qualifying assets total $40,000 and immediate liabilities are $5,000, your Zakat is ($40,000 − $5,000) × 0.025 = $875.
Where to distribute your Zakat
The Qur’an specifies eight categories of Zakat recipients in Surah At-Tawbah (9:60):
- Al-Fuqara (the poor)
- Al-Masakin (the needy)
- Al-‘Amilina ‘Alayha (those who administer Zakat)
- Al-Mu’allafati Qulubuhum (those whose hearts are to be reconciled)
- Fir-Riqab (the enslaved seeking freedom)
- Al-Gharimin (those in debt)
- Fi Sabilillah (in the cause of Allah)
- Ibn As-Sabil (the wayfarer)
Distribute your Zakat to your local masjid’s Zakat fund, to vetted Islamic relief organizations, or directly to eligible recipients you know. Masajid that use proper Zakat management software can show you exactly which category your contribution funded — ask your local masjid if they provide category-level Zakat distribution reports.
For masjid treasurers: managing Zakat at scale
If you are a masjid treasurer or board member responsible for collecting and distributing Zakat for your community, individual calculators do not scale. You need a system that:
- Separates Zakat from Sadaqah, Fitrah, Fidya, and the building fund — pools never commingle in reports.
- Tracks eligibility by category — so disbursements map to the eight Qur’anic categories.
- Requires board approval thresholds — for larger distributions, with signed audit history.
- Produces exportable audit reports — so annual audits and donor questions are answered in seconds.
Riwaq by Bayyinahtech is mosque management software designed for Zakat workflows. Learn more in our Zakat management software guide or read the Zakat audit scenario.
Frequently asked questions about Zakat
What is the Nisab threshold in 2026? Nisab is the value of 87.48 grams of gold or 612.36 grams of silver, whichever is lower at the time of calculation. Check live precious-metal prices to confirm the current US dollar threshold — the silver-based Nisab is typically the lower (and therefore applicable) value.
Is Zakat due on retirement accounts (401k, IRA)? Scholarly opinions vary. The majority position is that Zakat is due on the accessible portion (after early-withdrawal penalties and taxes). Some scholars argue Zakat is only due upon withdrawal. Consult your local scholar.
Is Zakat due on home equity or mortgage debt? Your primary residence is exempt. Long-term mortgage debt is typically not deducted from Zakatable assets; only short-term liabilities you intend to pay before next Hawl reduce the base.
Can Zakat be given monthly instead of annually? Yes — some donors estimate annual Zakat and distribute it monthly. The total must equal at least 2.5% of qualifying wealth above Nisab held for a full Hawl.
Can Zakat go to my own family? Zakat cannot be given to your spouse, parents, grandparents, children, or grandchildren (these dependents are already your financial responsibility). Zakat may be given to siblings, aunts, uncles, cousins, or other relatives who qualify as eligible recipients.
How do I know my masjid distributes Zakat correctly? Ask for a category-level Zakat distribution report. Masajid using purpose-built mosque management software can produce these in minutes. Masajid relying on spreadsheets often cannot.
What about Zakat al-Fitr (Fitrah)? Zakat al-Fitr is a separate, smaller obligation paid before Eid al-Fitr by every Muslim. It is approximately one Sa’ (around 2-3 kg) of staple food per family member or its cash equivalent. Many masajid collect Fitrah separately — ensure your masjid uses fund accounting that separates Zakat, Fitrah, and Fidya.
Make your Zakat count
If your masjid still tracks Zakat in spreadsheets, ask them about replacing spreadsheets with proper Zakat workflow software. If you are a masjid treasurer, request a Riwaq demo — Founding Partner pricing offers preferential rates for early-adopter masajid (terms confirmed in writing).