Zakat al-Mal Calculator 2026

Zakat al-Mal is the third pillar of Islam. It is an obligatory charity of 2.5% of net wealth held for a full lunar year (hawl), once that wealth reaches the Nisab threshold.

We've simplified the calculation into two categories: zakatable assets (gold, silver, cash, savings, investments, business assets) and deductible debts (amounts due within 12 months). Once your net assets are calculated, check if they reach the Nisab. If so, you owe 2.5% of your net wealth in Zakat.

Zakat al-Mal is calculated by following these steps:

The Nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. Gold and silver are the two references used to calculate this threshold.

The silver-based Nisab sets a lower threshold, meaning more people qualify. Most scholars recommend this approach as it is more cautious and allows you to purify your wealth from a lower amount.

• Gold and silver — jewellery (investment or stored), coins, bars
• Cash and savings — cash, checking accounts, savings, emergency funds
• Investments — stocks, funds, cryptocurrency, retirement accounts
• Business assets — inventory/goods for sale, business cash
• Rental income — net income received (not the property value itself)
• Receivables — money owed to you that you expect to be repaid

Personal use items (primary home, car, clothing, furniture) are exempt. If these assets remain in your possession for a full lunar year, they become subject to Zakat.

Certain debts can be deducted from the total value of your zakatable assets:

Every adult Muslim of sound mind whose wealth exceeds the Nisab threshold for a full lunar year must pay 2.5% of that wealth in Zakat. The obligation depends on what you own, not what you earn.

The Qur'an specifies eight categories of Zakat recipients (Surah At-Tawbah, 9:60):

1. The poor (al-fuqara)
2. The needy (al-masakin)
3. Zakat administrators
4. Those whose hearts are to be reconciled
5. Those in bondage
6. Those in debt
7. Those serving in God's cause
8. Wayfarers (stranded travellers in need)