Zakat Calculator
Accurately calculate your annual Zakat obligation on savings, gold, investments, and business assets. Stay compliant with Sharia requirements for 2026.
Current Nisab Reference (AED)
The estimated Gold Nisab for AED is approximately AED 22,000.00. Zakat is due if your net wealth exceeds this for a full Hijri year.
What is Zakat? — The Third Pillar of Islam
Zakat is a mandatory religious obligation for Muslims, representing the third pillar of Islam. It is a form of almsgiving where individuals donate a fixed portion of their wealth (typically 2.5%) to those in need. Beyond being a charitable act, Zakat is viewed as a means of purifying one's wealth and soul.
As of 2026, Zakat remains a fundamental part of the socio-economic system in the Gulf region, providing a social safety net for the vulnerable. Our Zakat calculator helps you accurately determine your dues based on your savings, investments, and precious metals.
Current Zakat Nisab Value 2026 (Gold & Silver Standards)
Nisab is the minimum amount of wealth a Muslim must possess for a full lunar year before Zakat becomes obligatory. As of 2026, the benchmarks are calculated based on the market value of either gold or silver:
- Gold Nisab: 87.48 grams (equivalent to 7.5 Tolas in some regions).
- Silver Nisab: 612.36 grams (equivalent to 52.5 Tolas).
For the Pakistani and Indian audience, please note that 1 Tola is approximately 11.66 Grams. If your net wealth (cash, gold, business stock) exceeds the current market value of these weights, Zakat at 2.5% is mandatory. Most modern scholars recommend using the silver standard to maximize charitable reach.
| Standard | Weight | Requirement |
|---|---|---|
| Gold Nisab (87.48g) | 7.5 Tola | Based on 24k Gold value. |
| Silver Nisab (612.36g) | 52.5 Tola | Based on pure silver value. |
| Zakat Rate | 2.5% of total qualifying wealth. | |
How to Calculate Zakat on Shares, Crypto, and Digital Assets
In 2026, digital wealth is a significant part of many portfolios. Zakat is applicable to your Crypto holdings, NFTs (held for trade), and Stocks. If you hold shares as a long-term investment, you only pay Zakat on the company's zakatable assets (pro-rata). If you are trading them (day-trading), Zakat is due on the full market value of the shares at the end of your lunar year.
Similarly, for Cryptocurrencies (Bitcoin, Ethereum, Stablecoins), Zakat is due on the current market value if they are held as tradeable wealth or savings.
Zakat Calculation on Plots, Real Estate, and Rental Property
Zakat rules for property depend on your intention:
- Personal Residence: No Zakat is due on the house you live in.
- Rental Property: Zakat is not due on the value of the building, but it IS due on the accumulated rental income if it stays in your possession for a year.
- Plots for Resale: If you bought a plot with the clear intention of selling it for profit (trading), Zakat is due on its current market value every year.
Which Assets are Subject to Zakat?
Money held in bank accounts, cash at home, or money lent to others (that is expected to be repaid).
Precious metals held as investments or jewelry (scholarly opinions vary on personal jewelry).
The market value of shares and stocks held for the purpose of trade or investment.
Value of stock-in-trade and business cash, excluding fixed assets like machinery or property.
Zakat Rules & FAQ
⚖️ **Hawl (Lunar Year):** Zakat is only due after wealth has been held for one full Hijri year.
- Debts: You can subtract immediate liabilities and debts from your total assets.
- Intention (Niyyah): Intention is required when paying Zakat.
- Distribution: Zakat must be given to the eight categories of recipients mentioned in the Quran.
* This tool provides an estimate. For complex financial cases, please consult with a qualified Islamic scholar or local Zakat authority.
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Frequently Asked Questions
Common queries regarding Zakat and Nisab
Frequently Asked Questions
Yes, Zakat is applicable on your salary savings if the total amount of your wealth (including cash, gold, and other assets) meets or exceeds the Nisab threshold and has been in your possession for one lunar year (Hawl).
Most scholars and the Hanafi school of thought recommend using the Silver Nisab threshold (612.36g) because it is lower, allowing more people to contribute to charity and helping a larger number of recipients. However, some modern scholars suggest the Gold Nisab (87.48g) is more reflective of wealth in the current economy.
Yes, this tool is fully compliant with Hanafi Zakat rules. It allows you to calculate Zakat at the 2.5% rate and includes fields for gold, silver, and business assets. Note that in the Hanafi school, Zakat is generally due on all gold and silver jewelry, whether worn or stored.
Zakat is calculated as 2.5% of your total qualifying wealth (cash, gold, shares, business assets) that has been held for one lunar year, provided it exceeds the Nisab threshold.
Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes mandatory. It is usually equivalent to the value of 87.48g of gold or 612.36g of silver.