Any money you keep at home or in your wallet is included in Zakat. If this money stays with you for one full year, Zakat is due on it.
Money in your bank account is also counted for Zakat. It does not matter if it is in one bank or many banks.
Gold and silver are included in Zakat, even if they are jewelry. Zakat is paid based on their metal value, not their design.
Money in things like stocks or mutual funds is included in Zakat. You calculate Zakat on their value if they are halal and owned by you.
Items you sell in your shop or business are included in Zakat. You pay Zakat on their selling value, not on shop tools or furniture.
Money that people must pay back to you is included in Zakat. If you expect to get it back, you count it in your wealth.
Your personal belongings are NOT zakatable. These are items you use for daily living, not for saving or trading.
This includes:
The house or apartment you live in, regardless of its value.
Cars, bikes, or other vehicles used for daily travel.
Furniture, clothes, electronics, appliances, and household items.
These items are essential for everyday life, so Zakat is not required on them.
You are allowed to subtract certain debts from your wealth before calculating Zakat. This helps ensure you only pay Zakat on money you actually own and can use.
These are debts that must be paid within the current Zakat year. You can subtract the full amount due.
Examples include:
• Credit card bills
• Personal loans due soon
• Utility bills or rent that must be paid
• Money you owe to someone and need to repay this year
These are debts that are paid over many years. You can subtract only the next payment due, not the entire loan.
Examples include:
• Home loans or mortgages
• Car loans
• Long-term business loans
Only deduct the upcoming annual installment, not the total remaining balance.
Add up the value of all assets that are subject to Zakat. This includes cash, savings, gold and silver, investments, business assets, and money owed to you. Use your local currency for accuracy.
Compare your total wealth with the Nisab threshold. If your wealth is equal to or above Nisab and has been held for one lunar year, Zakat becomes obligatory.
Simple Islamic tools for accurate Zakat estimation worldwide.
This website provides estimation tools and general educational information only.
Always confirm your Zakat obligations with a qualified Islamic scholar.