How is zakat calculated?

Start with a consistent method and date

Choose the approach and annual date you follow, ideally with guidance from a qualified scholar. Keeping a consistent date can make it easier to review the same kinds of assets each year.

Zakat treatment can differ by asset, debt, and personal circumstances. Do not assume that a calculator can choose those rules for you.

List the wealth your method includes

Gather current values for the types of wealth your scholar says to include. Depending on the method, this may involve cash, savings, precious metals, goods held for trade, or money owed to you that is expected to be recovered.

Separate personal-use items, long-term assets, and uncertain receivables rather than treating every possession as the same kind of wealth.

Consider eligible debts and compare with nisab

Debt deductions are an area where approaches differ. Ask which liabilities, and which parts of them, may be deducted in your situation before entering a figure.

Compare the resulting amount with the nisab standard you follow. Gold and silver standards can produce different thresholds; there is no single choice built into this guide.

Apply the rate only after checking the conditions

Where the conditions are met, the standard rate used by this site’s calculator is 2.5%. This is an estimate based on your inputs, not confirmation that every asset or deduction has been treated correctly.