Zakah due this year set on 1 Ramadan; saves as you type
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بِسْمِ اللَّهِ الرَّحْمَٰنِ الرَّحِيمِ
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Before you calculate
This assessment covers zakah year · rates fetched and locked for 1 Ramaḍān .
Fiqh positions — preset, changeable inside the calculator
Gold and silver jewellery in personal use: included- Hanafi, stricter position
Pension / retirement fund: full market value, assessed annually
Debt deduction: none- Shafiʼi, most generous to the obligation
Nisab threshold: silver(595 g) - lower bar, more wealth enters obligation
Scope: This calculator covers zakāt al-māl — zakāh on wealth — only. Zakāt al-fiṭr (end of Ramaḍān, per head of household) is a separate obligation not covered here.
Hanafī users: The debt deduction is preset to none (Shāfiʻī). If you follow the Ḥanafī school, switch the debt toggle to “This year’s instalments” inside the calculator.
Investment property: The ruling turns on your intention at acquisition — if unsure, consult a scholar before entering a value there.
For complex assets generally — business partnerships, inherited shares, disputed debts — a scholar’s guidance is recommended alongside this tool.
Your data never leaves this device.
This tool is not a substitute for a scholar’s evaluation. It is built with sincerity, grounded in the established positions of the four schools, and reviewed against the standard references in Islamic jurisprudence — but zakāh is an act of worship, and the intention, the calculation, and ultimately the discharge of the obligation rest with you. Where your situation is complex, a qualified scholar’s guidance is the more reliable instrument. Use this tool to understand your position clearly, and then act with confidence.
ZAKAH CALCULATOR
0
DUE THIS YEAR
A · Cash & Equivalents
Checking / current account
Savings account
Foreign currency cash
convert to your assessment currency at the 1 Ramaḍān rate before entering
Fixed deposits / GICs / term deposits
principal only · do not include interest accrued
Money market funds
Savings circles / committees / chit funds
your contributed share in the current cycle
Receivables
strong amounts owed to you · loans given, unpaid salary, end-of-service gratuity earned but not yet received, outstanding invoices · only include amounts you genuinely expect to recover
Less: trust money held for others
tenant deposits, family amānāt — not your wealth
Less: interest received
purge separately · do not include in zakātable wealth
B · Investments
Do not include your primary residence, personal vehicle, household furniture, or equipment in personal use — these are exempt under all four schools. Do not enter the market valuation of a private business here — use the business inventory row in section F and consult a scholar for your ownership stake.
market value on 1 Ramaḍān · includes shares in any brokerage account globally
Tax-exempt savings — TFSA, ISA, Roth IRA, and equivalents
full balance including growth · the tax exemption does not affect the zakāh calculation
Pension / retirement fund — RRSP, 401k, EPF, GPF, and equivalents
full market value on 1 Ramaḍān · if uncertain about vesting, include the full balance and err on the side of caution
Marginal tax rate
Unit trusts / managed funds
net asset value of your units on 1 Ramaḍān · available on your fund statement or provider portal
Crypto-assets
market value on 1 Ramaḍān · all wallets and exchanges · do not include unrealised staking rewards not yet credited
RSUs — vested only
market value of shares already vested and transferred to your account · unvested RSUs are not zakātable · pre-IPO RSUs: see scholar referral in F
Sukūk / Islamic bonds — principal only
enter the face value — not the market price if holding secondary-market sukūk · profit payments received belong in cash above
Savings bonds / government bonds
face value as a receivable · coupon or interest payments received belong in cash above
C · Gold — enter grams as weighed
Weigh the item as it is — chain, clasp, and all. The app calculates the pure gold content from the karat. Purity applied automatically.
Gold ETFs / digital gold
enter market value in your assessment currency
Gold savings scheme balance
accumulated amount as a cash equivalent · enter in your assessment currency
Bullion / coins — 24k
Bullion / coins — 22k
Jewellery worn regularly — personal adornment
24k
22k
21k
18k
14k
Jewellery not in regular use — stored, inherited, occasional
Zakātable under all four schools — no exemption applies regardless of your position
24k
22k
21k
18k
14k
D · Silver — enter grams as weighed
Silver ETFs / digital silver
enter market value in your assessment currency
Bullion / coins — fine 999
Silver jewellery worn regularly
Fine 999
Sterling 925
Silver jewellery not in regular use
Zakātable under all four schools
Fine 999
Sterling 925
Other purities: divide your item’s purity by 999 and multiply by the weight to get the fine silver equivalent, then enter that weight in the 999 row above.
E · Liabilities
Tap a deduction method above to enter liability details
Only include debts you are currently obligated to repay. Do not include guarantees you have given for others that have not been called upon, or tax on income you have not yet earned.
Mortgage / home financing · enter your regular payment and periods per year · select full balance to deduct the entire outstanding amount
Payment per period
Periods per year
Full outstanding balance
Personal loans — student, car, consumer
any loan taken for personal use: education, vehicle, medical, renovation
Family / informal loans
money genuinely owed to family or friends · only include amounts you have a real obligation to repay
Margin / investment loans
taken to buy investments · under the Ḥanafī position this reduces the zakātable value of the asset it funded
Credit card balance
amount currently outstanding · if you pay in full each month, enter zero
Business credit line
outstanding draw against inventory or trade goods
Buy-now-pay-later balances
Afterpay, Tabby, Tamara, Klarna, or similar
Tax balance owing
assessed and due but not yet paid on 1 Ramaḍān · do not include estimated future tax
Property tax due this year
Prior years’ zakāh owed — qaḍāʼ
reduces your net zakātable wealth
Exempt — corpus not zakātable
Residenceexempt
personal-use property
Income-generating property — rental, not resaleexempt
Property held for inheritance or future personal useexempt
no resale intention at acquisition · corpus not zakātable under any school
Personal vehicleexempt
not trade goods · a vehicle held for resale belongs below
Zakātable — enter market value
Investment property — held for capital gain
bought primarily to sell at a profit
Development property — built or acquired to sell
zakātable by near-universal agreement
Business inventory — goods, raw materials, work in progress
market value on 1 Ramaḍān
Trade receivables — outstanding invoices
for freelancers and sole traders · amounts billed and genuinely expected to be paid
Vehicles held for resale — dealer inventory
Consult a scholar
Private business ownership stakescholar
your share of the business’s zakātable assets requires knowing the business’s own books · market value of your stake is not the right figure
RSUs in a pre-IPO companyscholar
no reliable public market price · valuation requires individual assessment
Intellectual property / royaltiesscholar
accumulated royalties join cash above when received · if your IP generates regular recurring income, consult a scholar about whether it should be assessed as a productive asset
Agricultural producescholar
zakāh al-zirāʻah applies at different rates · out of scope here
Livestockscholar
separate schedule applies · out of scope here
Total deductions:
Nisāb — silver (595 g)
Nisāb — gold (85 g)
If your net wealth exceeds either threshold, zakāh is due · the Ḥanafī school combines gold and silver holdings toward the silver threshold
Assessment note — what you counted on 1 Ramaḍān
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