Zakat Calculator

Which school should I choose?

Choose the one you follow. If you do not follow a particular school, the cautious setting uses the lower threshold and the widest base, which errs towards giving more. These are the differences that actually change your figure:

• Hanafi

  Uses the silver nisab by default and treats all gold and silver jewellery as zakatable, which usually produces a higher zakat figure than the other schools.

• Maliki

  Exempts jewellery in normal personal use, and is more restrictive than the Hanafi school about deducting debt from trade goods.

• Shafi'i

  Exempts jewellery in normal personal use, and classically assesses gold and silver against their own separate thresholds.

• Hanbali

  Close to the Maliki and Shafi‘i treatment on jewellery, and permits deducting debts that are presently owed.

• Ja'fari (Twelver)

  Treats zakat as applying to nine specific categories rather than to wealth in general. Cash, bank balances and shares are not zakatable here — annual surplus falls under khums at 20% instead, which this calculator does not compute and which you should work out with your marja‘ or a qualified scholar.

• General / most cautious

  Not a school of fiqh. A deliberately conservative combination — the lower threshold and the widest base — for someone who would rather err towards giving more.

What is the nisab?

Nisab is the threshold below which no zakat is due. The classical measures are 20 dinars of gold and 200 dirhams of silver. Converting those to grams needs a weight for the dinar, and reputable sources do not all use the same one — which is why this calculator offers both of the widely used standards and lets you enter your own if your mosque or zakat authority publishes a different figure.

• 87.48 g gold / 612.36 g silverTakes the dinar at about 4.374 g and the dirham at about 3.0618 g. Widely cited, and the figure BuzPulse uses unless you change it. It sets a slightly higher gold threshold than the alternative below.
• 85 g gold / 595 g silverTakes the dinar at about 4.25 g and the dirham at about 2.975 g. Also widely published, and used by many contemporary zakat guides and charities.

Because the threshold is a weight of metal rather than a sum of money, its value moves with the gold and silver price. Silver is almost always the lower of the two, so using the silver nisab means more people are liable and more zakat is paid.

Is zakat due on jewellery?

This is the single largest difference between the schools, and it can change a figure substantially for a family with gold. Under the Hanafi school zakat is due on all gold and silver jewellery, worn or not. The Maliki, Shafi‘i and Hanbali schools generally exempt jewellery kept for lawful personal use in a normal quantity, while gold held as savings, as coins or bars, or for trade remains zakatable in every school. Select your methodology and the calculator applies its position — and tells you on the result screen when jewellery has been left out.

Crops, livestock and why 2.5% is wrong for them

The 2.5% rate belongs to money, gold, silver and trade goods. Agricultural produce is assessed at 10% where the land is rain-fed or naturally watered and 5% where irrigation costs money or effort, with 7.5% commonly applied where both apply across a season, and it falls due at harvest with no lunar-year waiting period. Livestock follows fixed threshold tables in which what is owed is usually an animal of a stated age rather than a sum of money. This calculator keeps both of those apart from the wealth total and gives you the band and the rule rather than pretending to price an animal for you.

Can I deduct my debts?

Not automatically, and not all of them. Debts that are genuinely due now generally reduce zakatable wealth, and the schools differ on how far that extends — the Hanafi position is usually described as the most accommodating and the classical Shafi‘i position as the most restrictive. For a long-term debt such as a mortgage, the widely held contemporary view is to deduct only the instalments falling due within the year rather than the whole outstanding principal. Nothing is deducted here that you have not entered yourself.