Shar’i Zakat Calculator 2026 – Accurate Online Calculation

Instant Real-Time Calculation According to Islamic Jurisprudence

Select Currency

Weight Measurement Unit

1. Zakat Valuation on Gold & Silver (Sona aur Chandi)

⚠️ Important Requirement: If you possess Gold or Silver, you must enter both its total Quantity and the Current Market Rate for an accurate valuation.

Gold Quantity (grams):

Gold Rate (Per gram):

Rs.

Silver Quantity (grams):

Silver Rate (Per gram):

Rs.

2. Zakat on Cash Balance, Savings & Loans

Cash on Hand / At Home:

Rs.

Bank Accounts (Excluding Interest):

Rs.

Total Value of Prize Bonds:

Rs.

Deposited in Committee (BC Paid):

Rs.

Recoverable Loans Given Out (Udhaar Wapsi):

Rs.

3. Zakat on Business Assets & Commercial Goods

Commercial Raw Materials Value:

Rs.

Finished Trading Goods / Inventory:

Rs.

Plots / Property Bought for Resale:

Rs.

Business Partnership Shares Value:

Rs.

4. Permissible Deductions & Liabilities

Personal Debts & Loans Owed:

Rs.

Urgent Installments Due Now:

Rs.

Pending Committee (BC) Payments:

Rs.

Unpaid Utility Bills / Due Taxes:

Rs.

Due Employee Salaries:

Rs.

Unpaid Zakat from Previous Years:

Rs.

Gross Zakat-able Wealth: Rs.0.00

Total Structural Liabilities: Rs.0.00

Net Asset Capital Base: Rs.0.00

⚠️ Important Shar’i Disclaimer: This calculator provides a mathematical estimate based on the values you entered. If you are confused or unsure about any specific assets, debts, or unique personal situations, please contact a qualified Islamic Scholar or Mufti directly to ensure your religious duty is fulfilled accurately.

Essential Educational Guide on Zakat & Rules

Understand the core rules and principles of Zakat in light of Islamic Shariah.

1. Who is Obligated to Pay Zakat?

Zakat is mandatory for every sane, adult Muslim who meets the Nisab threshold. The individual must have full ownership of the assets, and those assets must be held for one complete Lunar Year (approx. 354 days). Additionally, the assets must be over and above one’s basic personal needs (such as a primary residence, essential home furniture, clothing, and personal vehicle).

2. What is the Nisab Threshold?

The Nisab is the minimum amount of wealth a person must own before Zakat becomes obligatory. Shariah sets two distinct benchmarks:

Asset Type	Weight in Tolas	Weight in Grams
Gold (Sona)	7.5 Tolas	87.48 Grams
Silver (Chandi)	52.5 Tolas	612.36 Grams

💡 Important Rule: If you only own Gold, the Gold Nisab applies. However, if you own a combination of Gold, Silver, Cash, or Business Inventory—even if the Gold is less than 7.5 tolas—the Silver Nisab value is used as the benchmark. This ensures greater benefit for those in need.

3. Which Assets are Subject to Zakat?

Zakat is calculated on growth-oriented wealth (assets that increase or have the potential to increase in value):

Cash & Savings: Cash in hand, bank accounts, prize bonds, and money pooled into active committees (BC).
Gold & Silver: Any form of gold and silver (jewelry, coins, or bars), regardless of whether they are for daily wear or stored away.
Commercial Goods: Business inventory meant for sale, commercial raw materials, and any plots or real estate bought with the intention of resale.
Investments & Shares: The current market value of stocks or mutual funds (calculated on the zakat-able component of the fund).
Receivables: Loans you have given out to others, provided you reasonably expect the money to be returned.

4. Which Assets are Exempt From Zakat?

Your personal residential home, factory buildings, or commercial shop structures.
Fixed machinery, workplace tools, office furniture, and company delivery vehicles used for daily business operations.
Personal clothing, daily kitchenware, home electronics, and personal cars.
Precious gemstones like diamonds and rubies, unless they are specifically held for trading or resale.

5. Who Can Receive Zakat? (Eligible Recipients)

The Holy Qur’an specifies 8 categories of people who qualify to receive Zakat (Surah At-Tawbah, Verse 60). Today, funds are most commonly distributed to:

The Poor & Needy (Fuqara & Masakeen): Individuals whose total assets fall short of the Nisab threshold or who have no means of fulfilling basic survival requirements.
Debtors (Al-Gharimin): Those burdened heavily by debt and lack the resources to pay it off after accounting for their basic needs.
Travelers (Ibnu’s-Sabil): A traveler who has run out of funds away from home, even if they are wealthy in their hometown (they can be given just enough to reach safely).

🔒 The Rule of Tamleek (Ownership transfer): For Zakat to be validly fulfilled, ownership of the wealth must be completely transferred directly to an eligible recipient. Because of this requirement, Zakat funds cannot be used to finance structural mosque construction, hospital buildings, public infrastructure, or funeral arrangements.

6. Can I Give Zakat to My Relatives?

NOT Eligible: You cannot give Zakat to your direct ascendants (parents, grandparents, great-grandparents) or your direct descendants (children, grandchildren). Husbands and wives also cannot pay Zakat to one another.
Highly Eligible: Giving Zakat to siblings, cousins, aunts, uncles, or their children is completely permissible if they are eligible. In fact, doing so carries a double reward: fulfilling the obligation of Zakat and honoring family ties (Sila-e-Rahmi).