Calculate your exact zakat obligation on every asset type — cash, gold, silver, stocks, 401(k), crypto, business inventory, and real estate. Based on current gold ($139/g) and silver ($2.17/g) nisab thresholds for June 2026.
2.5%
Zakat rate
~$12,156
Gold nisab (June 2026)
~$1,329
Silver nisab (June 2026)
Go through each category — cash, gold, investments, business, real estate. Enter current market values.
Switch to the Liabilities tab. Enter only short-term debts due within the next lunar year.
Select gold or silver standard. Silver is lower (~$1,329) and makes more people eligible. Most US scholars recommend silver.
The results panel shows your net zakatable wealth, whether you meet the nisab, and your exact 2.5% zakat amount.
Note: There is scholarly disagreement on gold jewelry worn personally. Hanafi scholars say it is zakatable; Maliki and Shafi scholars generally exempt it. Consult your imam.
The nisab is the minimum wealth threshold above which zakat becomes obligatory. It was set by the Prophet Muhammad (ﷺ) as the equivalent of 87.48 grams of gold or 612.36 grams of silver. Because gold and silver prices fluctuate daily, the nisab in dollar terms changes constantly.
Gold Standard (Hanafi preference)
87.48g of 24K gold
~$12,156
More restrictive — fewer people meet the threshold.
Preferred by some Hanafi scholars.
Silver Standard (widely recommended)
612.36g of silver
~$1,329
More inclusive — most working Americans qualify.
Recommended by ISNA and Fiqh Council of North America.
Zakat is not due the moment your wealth exceeds the nisab. It becomes due only after your wealth has remained above the nisab for one complete Islamic lunar year — 354 days. This is called the hawl. Your hawl starts on the day your wealth first crosses the nisab threshold. If your wealth drops below the nisab at any point during the year, the hawl resets. On your hawl anniversary, calculate your zakatable wealth using gold and silver prices from that day — not today's prices.
For stocks held as long-term investments, the majority opinion among contemporary scholars (including ISNA and Mufti Taqi Usmani) is to pay 2.5% of the current market value. A more detailed approach calculates zakat only on the zakatable assets of the underlying company (cash, receivables, inventory) — typically 25–40% of market value. This calculator uses the simpler 2.5% of market value method for ease of use.
The most widely adopted US position (ISNA, AMJA — the Assembly of Muslim Jurists of America) is to pay zakat on the net accessible value of retirement accounts — the amount you would receive after income taxes and early withdrawal penalties if you withdrew today. Some scholars hold that no zakat is due until funds are actually withdrawn. The Fiqh Council of North America advises calculating based on post-penalty net value.
Contemporary scholars including Mufti Faraz Adam and the Shariyah Review Bureau have ruled that cryptocurrency is a zakatable asset — equivalent in nature to a commodity or trade asset. Zakat is due at 2.5% of the current market value on your hawl date, provided your total zakatable wealth exceeds the nisab. Highly volatile assets: use the value on your actual hawl date, not a peak or average.
The property itself is zakatable at current market value. Additionally, rental income that has been received and held for the hawl period is subject to zakat as cash. Your primary home is not zakatable. A second home used for personal purposes is also exempt. Only property held as an investment or for resale is zakatable.
Business inventory held for trade (goods you intend to sell) is zakatable at current trade value. Business cash and receivables are also zakatable. Fixed assets used in the business (machinery, vehicles, equipment) are generally exempt as they are means of production, not trade goods. Debts owed to the business that are reasonably recoverable are included.
One of the Five Pillars of Islam. An obligatory annual payment of 2.5% of net zakatable wealth to eligible recipients. One of the earliest structured wealth redistribution systems in history — predating modern taxation by centuries.
The minimum wealth threshold above which zakat becomes obligatory. Set by the Prophet (ﷺ) as the value of 87.48g of gold or 612.36g of silver. In June 2026: approximately $12,156 (gold standard) or $1,329 (silver standard).
The Islamic lunar year — approximately 354 days. Zakat becomes due only when wealth has remained above the nisab for one complete hawl. If wealth dips below the nisab at any point, the hawl clock resets.
The total of all zakatable assets minus deductible short-term liabilities. Your primary home, vehicle, and personal-use items are excluded. Only wealth that is growing or has earning potential is generally included.
Add all zakatable assets (cash, gold, silver, investments, business inventory, rental property). Subtract short-term liabilities due this lunar year. If the net total exceeds the nisab, pay 2.5% of that net total. The nisab in June 2026 is ~$12,156 (gold standard) or ~$1,329 (silver standard).
As of June 2026: approximately $12,156 using the gold standard (87.48g × $139/g) or approximately $1,329 using the silver standard (612.36g × $2.17/g). The nisab changes daily with precious metal prices — always recalculate using prices on your actual hawl date.
Most US Islamic scholars (ISNA, AMJA) hold that zakat is due on the net accessible value — the amount you'd receive after taxes and early withdrawal penalties if you withdrew today. Some scholars say pay on the full balance; others say wait until withdrawal. The net accessible value approach is most widely adopted.
Yes. Most contemporary scholars advise paying 2.5% of the current market value. A more detailed approach calculates only on the zakatable assets within the company (~25-40% of market value). This calculator uses the 2.5% of market value method for simplicity.
The silver nisab is much lower (~$1,329 vs ~$12,156), making more people eligible. ISNA and the Fiqh Council of North America recommend the silver standard as it better reflects the Prophet's (ﷺ) intent. Hanafi scholars tend to prefer gold. Consult your imam if unsure.
Hawl is the Islamic lunar year (~354 days). Zakat only becomes due when your wealth stays above the nisab for a complete hawl. Your hawl starts the day your wealth first crosses the nisab. If it dips below at any point, the clock resets.
No. Your primary home, personal vehicle, furniture, clothing, and personal-use items are exempt. Only investment assets — property held for rental income or resale, trade inventory, and financial assets — are zakatable.
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Read the guideThis calculator provides estimates for educational purposes only. Gold and silver prices update daily — always recalculate on your actual hawl date using prices from that day. Scholarly opinions on zakat for modern assets vary. Consult a qualified Islamic scholar or your local imam for a ruling specific to your situation. Not financial or religious advice.