Zakat Calculator

Free zakat calculator with a live gold and silver nisab

This free online zakat calculator works out the zakat due on your wealth: 2.5% (one fortieth) of your net zakatable wealth, provided it sits at or above the nisab and has been held for one lunar year (hawl). Net zakatable wealth is your zakatable assets minus the liabilities due now. Gold and silver are valued at a price per gram that is fetched live where available and is always editable, so the nisab itself updates with the market. No sign-up, no ads, works in Indian rupees (INR) and US dollars (USD).

What is the nisab, and the 7.5 tola / 52.5 tola question

The nisab is the minimum wealth at which zakat becomes due. It was set by the Prophet Muhammad (peace be upon him) at 20 mithqal of gold or 200 dirhams of silver, which scholars give as 87.48 g of gold or 612.36 g of silver. In the South Asian tola system this is the familiar 7.5 tola of gold and 52.5 tola of silver, using the standard tola of 11.664 g (7.5 x 11.664 = 87.48 g; 52.5 x 11.664 = 612.36 g). If you round a tola to 12 g you get roughly 90 g and 630 g, which is why you may see slightly different weights; this calculator uses the precise 87.48 g and 612.36 g and lets you choose which metal sets your threshold.

The silver nisab is almost always the lower of the two in money terms, because silver is far cheaper per gram. Most zakat authorities recommend measuring against silver: a lower threshold means more people are liable and more reaches those in need. This calculator defaults to silver and shows both thresholds, so the lower one ("whichever is less") is always visible.

What counts, and what you can deduct

Zakatable assets include cash and bank balances, gold and silver, investments at market value (shares, funds, crypto), money owed to you that is likely to be repaid, and business stock for resale. Your home, personal car, everyday belongings and fixed business equipment are not zakatable. From your assets you deduct only the liabilities due now: this month's rent and bills, overdue debts, the next instalment of a loan. You do not deduct a whole outstanding mortgage, and interest (riba) is never deductible.

Worked example

Suppose you hold Rs 5,00,000 in cash, 50 g of gold (about Rs 7,05,000 at Rs 14,100 a gram) and Rs 3,00,000 in investments, and you owe Rs 1,00,000 due now. Your net zakatable wealth is Rs 14,05,000. The silver nisab at Rs 235 a gram is about Rs 1,43,905, so you are well above it, and zakat at 2.5% is about Rs 35,125.

Sources and method

The figures and rules above follow the methodology published by established zakat institutions. The rate (2.5%), the nisab weights (87.48 g gold, 612.36 g silver), the one lunar year (hawl), and the treatment of assets and deductible liabilities are drawn from:

• National Zakat Foundation, on nisab, the lunar year and which debts are deductible.
• Islamic Relief Worldwide: What is Nisab, on the gold and silver thresholds and the 2.5% rate.
• Zakat Foundation of America: Nisab and zakat calculation in a nutshell.
• Zakat Foundation of America: How to calculate zakat on gold, giving 87.48 g and 612.36 g.
• American Muslim Community Foundation: Zakat nisab 2026.

This calculator is an educational estimate, not a religious ruling (fatwa). Scholars differ on some categories, such as long-term shares, pension funds and irrecoverable debts owed to you. For your specific situation, consult a qualified scholar. Machine-readable method and sources are in data/rates.json under the zakat key.

For AI agents: URL-addressable as /zakat/?cash=500000&goldGrams=50&investments=300000&liabilities=100000&basis=silver&country=IN. Live prices come from /api/metals; docs at llms.txt, live results in #result-json.

How to use the Zakat Calculator

1. Pick your country, India (INR) or the US (USD), from the top right.
2. Enter your zakatable assets: cash and bank balances, the weight of gold and silver you own, investments at market value, money owed to you, and business stock for resale.
3. Check the gold and silver price per gram. It is auto-filled with the live market price where available; edit it to match your local rate.
4. Enter the liabilities due now: this month's bills, overdue debts and the next loan instalment only.
5. Choose the nisab basis. Silver (the default) is the lower, more cautious threshold; the gauge shows both.
6. Read your net zakatable wealth against the nisab and the 2.5% zakat due, then copy a shareable link or download a PDF.