Islamic Zakat Calculator | Accurate Zakat Calculation for Muslims

Islamic Zakat Calculator | Accurate Zakat Calculation for Muslims

Accurate Islamic Zakat Calculator

Accurate Islamic Zakat Calculator 🕌

Welcome to the essential tool for fulfilling your financial obligation in Islam. Zakat is a compulsory charity, a purification of wealth, calculated at **2.5%** on total wealth that has been held for one lunar year (Hawl) and exceeds the minimum threshold (**Nisab**). This calculator provides an accurate estimation by totaling your **zakatable assets** (cash, gold, silver, investments, and business inventory) and deducting your immediate **liabilities** (short-term debts). Use this tool to easily determine your Zakat Payable Amount and purify your wealth.

🟢 Personal Wealth & Assets (Input Value in Selected Currency)

🔴 Liabilities / Debts (Deductible)

✅ Zakat Calculation Results

Selected Nisab Type:
Current Nisab Value:
Calculation Status:
Total Zakatable Assets:
Total Deductible Liabilities:
TOTAL ZAKATABLE WEALTH:
ZAKAT PAYABLE (2.5%):

Asset Breakdown

Cash/Savings Zakat Basis:
Gold/Silver Zakat Basis:
Investments/Business Zakat Basis:

Nisab Comparison

Your wealth is 0 times the Nisab.

A higher ratio indicates greater financial obligation.

Purification Percentage

Assets purified (Zakat / Total Wealth): 0%

This should equal 2.5% of your total zakatable wealth.

The Complete Guide to Zakat Calculation

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Understanding the Zakat Calculation Formula

The Zakat calculation is simple once the zakatable base is established. The formula is: $$ \text{Zakat Payable} = \text{Total Zakatable Wealth} \times 0.025 $$ The complexity lies in accurately determining the **Total Zakatable Wealth** by aggregating assets and deducting immediate liabilities. The Nisab acts as the minimum entry threshold, ensuring Zakat is only taken from those who are financially stable.

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Frequently Asked Questions (FAQ)

1. What is Nisab and why are there two types?
Nisab is the minimum threshold of wealth that a Muslim must possess for Zakat to become obligatory. It is traditionally defined as the value of 85 grams of pure gold or 595 grams of pure silver. Scholars generally advise using the **silver Nisab** as it yields a lower threshold, resulting in more people paying Zakat, which maximizes benefit to the poor.
2. Is Zakat due on personal use items like a house or car?
No. Zakat is not due on essential personal use items such as the house you live in, the clothes you wear, or the car you use for transportation, provided they are not held for the purpose of trade or investment.
3. How do I calculate Zakat on investments and stocks?
For stocks and investments, Zakat is generally due on the portion of the asset that represents the fluid, tradable wealth. For investment properties, Zakat is only due on the **rental income**, not the value of the property itself. For stocks, Zakat is often calculated on the **current market value** if you intend to sell them, or only on the proportion of the company's liquid assets if you intend to hold them for long-term dividends (consult a scholar for precise methodology).
4. Which debts can I deduct from my Zakatable wealth?
You can deduct short-term debts that are immediately due or payable within the current Zakat year (Hawl). This includes credit card balances, utility bills, rent, and the current installment of a long-term loan (like a mortgage or car payment). You **cannot** deduct the entire balance of a long-term loan.
5. What is the Zakat rate?
The Zakat rate is fixed at **2.5%** of the net Zakatable wealth that exceeds the Nisab and has been held for a full lunar year (Hawl).

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