How to Calculate Zakat: A Practical Step-by-Step Guide
Zakat is one of the five pillars of Islam, and for most people it comes down to a simple question: how much of my wealth is zakatable, and does it clear the Nisab threshold? Here's how to work it out properly.
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Enter your savings, gold and investments to see what you owe this year.
Step 1: Add up your zakatable wealth
Zakatable wealth generally includes:
- Cash on hand and in bank accounts
- Gold and silver (jewelry included, per most scholarly opinions)
- Investments and trade goods held for growth or resale
It does not usually include your personal home, car, or household items for personal use.
Step 2: Subtract short-term debts
Debts you owe and are due within the year can be deducted from your total before checking against the Nisab.
Step 3: Check against the Nisab
The Nisab is the minimum threshold of wealth that makes Zakat obligatory — typically based on the value of 85 grams of gold (or 612.36 grams of silver, per some scholars). This value changes daily with the gold price, so check today's figure with your local zakat authority before calculating.
If your net zakatable wealth is at or above the Nisab, and you've held it for a full lunar year (Hawl), Zakat is due at 2.5% of the total.
Frequently asked questions
Do I pay Zakat on my salary?
What if my wealth is below the Nisab?
Is Zakat 2.5% of income or of wealth?
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