How to Calculate Zakat
A comprehensive step-by-step guide to calculating your Zakat obligation with current 2026 Nisab thresholds.
Rate
2.5% of net wealth
Nisab (Gold)
87.48g / 3 oz
Nisab (Silver)
612.36g / 21.5 oz
Type
Obligatory (Fard)
What is Zakat?
Zakat is the third pillar of Islam and is obligatory for every Muslim who meets the Nisab threshold. The word "Zakat" means "purification" and "growth" – paying Zakat purifies your wealth and allows it to grow in blessings.
Allah says in the Quran: "Take from their wealth a charity by which you purify them and cause them increase." (Quran 9:103)
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Step-by-Step Zakat Calculation
1Calculate Your Total Assets
Add up all your zakatable assets:
2Subtract Your Liabilities
Deduct debts and obligations:
3Check the Nisab Threshold
Nisab is the minimum wealth required for Zakat to be obligatory. You can use either:
Gold Nisab
87.48g
Approximately 3 oz of gold
Silver Nisab
612.36g
Approximately 21.5 oz of silver
Note: Many scholars recommend using the silver Nisab as it is lower, ensuring more people can give and more recipients benefit.
4Calculate 2.5% of Your Net Wealth
If your net assets exceed the Nisab threshold, calculate 2.5%:
Zakat Formula:
(Total Assets - Liabilities) × 0.025 = Zakat Due
Example: If your net zakatable wealth is $50,000, your Zakat would be $50,000 × 0.025 = $1,250
What is NOT Zakatable?
- Your primary residence
- Personal vehicle(s)
- Household furniture and items
- Personal clothing and jewelry worn
- Tools of trade / business equipment
- Personal debts unlikely to be repaid
Zakat on Gold & Silver
Gold and silver are always zakatable, whether held as jewelry, coins, or bars. Calculate the market value of your gold and silver and include it in your total assets.
Gold
Zakatable if you own 87.48g or more
Silver
Zakatable if you own 612.36g or more
Who Can Receive Zakat?
The Quran specifies 8 categories of eligible Zakat recipients (Quran 9:60):
The Poor (Fuqara)
Those with little or no income
The Needy (Masakin)
Those who cannot meet basic needs
Zakat Administrators
Those who collect and distribute Zakat
Those Whose Hearts are to be Reconciled
New Muslims or allies
Those in Bondage
To free slaves or captives
Those in Debt
Those unable to pay their debts
In the Cause of Allah
For Islamic causes and defense
The Wayfarer
Stranded travelers in need
Calculate Your Zakat Now
Use our free Zakat calculator with real-time gold and silver prices to calculate your exact Zakat amount.