Zakat Calculator 2026 — Any Currency
Zakat is 2.5% of your qualifying wealth, due once your net assets have stayed above the nisab threshold for one lunar year. This calculator works in any currency: add up your cash, gold, silver, investments and business assets, subtract immediate debts, and it tells you whether zakat is due and exactly how much.
Zakat = 2.5% of net zakatable wealth, due when it meets nisab and a full lunar year has passed.
This tool follows the widely accepted 2.5% calculation. For complex situations (business partnerships, agricultural produce, livestock), consult a qualified scholar.
How to use this tool
- Pick your currency — every field then works in that currency.
- Enter today's nisab value: look up the price of 612.36g of silver (most scholars' basis) or 87.48g of gold in your currency.
- Fill in your assets: cash, gold/silver at market value, investments, business stock and money owed to you.
- Subtract debts that are due now, then Calculate — you'll see your net wealth, the nisab check and the 2.5% due.
Frequently asked questions
What is nisab and which one should I use — gold or silver?
Nisab is the minimum wealth at which zakat becomes due: 87.48g of gold or 612.36g of silver. Most scholars recommend the silver nisab because it is lower, which means more people qualify to pay and more reaches the poor. Look up today's silver price, multiply by 612.36, and enter that value.
Do I pay zakat on the house I live in or my car?
No. Personal-use items — your home, car, furniture, clothing — are not zakatable. Property bought as an investment to resell, however, counts as a business asset at its current market value.
Is zakat due on my retirement fund or provident fund?
Scholarly opinions differ. A common position: if you can access the money (even with penalty), include it; if it is completely locked until retirement, zakat becomes due when you receive it. Ask a scholar you trust for your specific fund.
Do I deduct my mortgage or long-term loan?
The common view is to deduct only what is due now or within the coming year (e.g. the next 12 monthly instalments), not the entire 20-year balance. Deducting the full mortgage would wipe out most people's zakat, which scholars generally reject.
When exactly do I pay zakat?
One full lunar (Hijri) year after your wealth first reached nisab, and every lunar year after that on the same date. Many people choose Ramadan for the extra reward — that's fine as long as you're not delaying a due payment.