Calculate your exact Zakat obligation on cash, gold, silver, business inventory, stocks and receivables — using both gold and silver Nisab thresholds with live India market prices. Informational only; consult a qualified scholar for final rulings.
⚖️ Nisab Threshold
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🥇 Metal Prices (Edit to Update)
Approx. India market price — update to current rate
Approx. India market price — update to current rate
💵 Cash & Bank Balances
Include all savings, current & FD balances
🥇 Gold & Silver Holdings
Weight above minimum personal jewellery
📈 Business & Investments
Goods held for sale — not fixed assets
Current market value on Zakat date
🤝 Money Owed to You
Only amounts you realistically expect to recover
📉 Liabilities to Deduct
Include only debts immediately due — not long-term mortgages or car loans in full
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—Total Assets
—Liabilities
—Net Zakatable Wealth
—Nisab Threshold
Net Wealth vs Nisab—
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Asset Category
Value (₹)
How to Use This Calculator
1
Choose your Nisab method and update metal prices
Select Silver Nisab (recommended by most scholars for a lower threshold) or Gold Nisab. Update the gold and silver prices to today's India market rates — the Nisab figure updates automatically.
2
Enter all zakatable assets
Fill in your cash, bank balances, gold and silver weight (above personal use), business inventory, stocks, and any money owed to you. Leave fields blank or at zero if not applicable.
3
Deduct short-term liabilities
Enter debts that are immediately due this year. Long-term debts like a home mortgage are generally not fully deductible — enter only the instalment due in the current year.
4
Calculate and read the breakdown
Click Calculate to see your Zakat status, total due amount, and a category-by-category asset breakdown. The tool tells you whether you have crossed the Nisab threshold.
☪️This calculator is for informational guidance only. Zakat rulings involve religious jurisprudence that can vary by school of thought and personal circumstances. Please consult a qualified Islamic scholar for your final Zakat amount.
⚖️ Nisab at a Glance (2026)
Silver nisab (612.36g)₹58,174
Gold nisab (87.48g)₹7,43,580
Zakat rate2.5%
Hawl (lunar year)~354 days
Gold price used₹8,500/g
Silver price used₹95/g
Most scholars recommend the silver Nisab (lower value) to fulfil this pillar. Update metal prices to current rates before calculating.
✅ Zakatable vs ❌ Not Zakatable
✅
Include — Cash, savings, FDs, gold & silver above personal use, business inventory, stocks, crypto, receivables
❌
Exclude — Primary home, personal car, household items, tools of trade, business machinery & equipment
⚠️
Consult scholar — Jewellery for personal wear, provident fund, pension, rental property, shares in detail
Zakat (زكاة) is the third of the Five Pillars of Islam — an annual obligatory payment of a fixed proportion (2.5%) of a Muslim's qualifying accumulated wealth, made to eligible recipients. The word itself means purification and growth in Arabic — the act of paying Zakat is considered to purify one's remaining wealth and fulfil a divinely ordained right of the poor upon the wealth of those who have more than they need.
Zakat is obligatory on every adult Muslim who possesses wealth equal to or exceeding the Nisab threshold for a complete Hawl (Islamic lunar year). Unlike voluntary charity (Sadaqah), Zakat is not discretionary — it is a precise financial obligation calculated on specific categories of wealth.
🕌
Third Pillar of Islam
Fard (obligatory) on every Muslim whose qualifying wealth remains above Nisab for a full lunar year.
📅
Annual Obligation
Calculated once per Islamic lunar year. Many choose Ramadan, which carries additional spiritual reward for acts of worship.
💚
Fixed at 2.5%
The rate for wealth and trading assets is 2.5% of the net zakatable amount — fixed by Shariah and not subject to change.
🤲
Eight Categories of Recipients
Specified in the Quran (9:60): the poor, the destitute, administrators, debtors, travellers in need, and others.
Nisab Explained — Gold vs Silver Threshold in India
Nisab is the minimum threshold of wealth that makes Zakat obligatory. The Prophet Muhammad (ﷺ) set Nisab at two amounts — the equivalent of 87.48 grams of gold or 612.36 grams of silver. A Muslim whose zakatable wealth equals or exceeds either of these thresholds is required to pay Zakat.
Why silver nisab is recommended by most contemporary scholars
Because gold and silver prices move independently, the two thresholds produce very different rupee figures in modern times. At mid-2026 India prices, the gold nisab is approximately ₹7.4 lakh while the silver nisab is approximately ₹58,000 — a 13× difference. Most contemporary Islamic scholars recommend using the silver nisab precisely because it is lower, ensuring that more Muslims fulfil this pillar and more wealth reaches those in need.
Nisab Type
Weight
India Price (mid-2026)
Nisab in ₹
Recommendation
Silver Nisab
612.36 grams
~₹95/gram
~₹58,174
✅ Recommended (most scholars)
Gold Nisab
87.48 grams
~₹8,500/gram (24K)
~₹7,43,580
Some scholars prefer this
⚠️Metal prices fluctuate daily. The above figures are approximate — update the gold and silver price fields in the calculator to today's live rates before computing your Zakat. The Nisab value in the calculator updates automatically as you change the prices.
What Assets Are Zakatable — and What Are Not
Asset
Zakatable?
Notes
Cash in hand and bank
Yes
All savings, current, and FD balances
Gold (above personal use)
Yes
At current market value; scholarly difference on jewellery
Silver (above personal use)
Yes
At current market value
Business inventory / stock
Yes
Goods held for sale, at market value
Stocks and mutual funds
Yes
At market value on Zakat date (some scholars use zakatable assets method)
Cryptocurrency
Yes
At market value; emerging scholarly consensus
Money others owe you
Yes (expected)
Only if you reasonably expect it to be repaid
Primary residence
No
Home for personal use is excluded regardless of value
Personal vehicle
No
Car used for personal transport is excluded
Furniture and appliances
No
Personal use household goods are excluded
Business machinery / fixtures
No
Fixed assets used in production are excluded
EPF / PPF balances
Disputed
Many scholars say no Zakat until actually received; consult scholar
How Zakat is Calculated — Formula and Worked Example
Zakat Calculation Formula
Total Zakatable Assets = Cash + Gold + Silver + Business + Investments + Receivables
Net Zakatable Wealth = Total Assets − Short-term Liabilities
If Net Wealth ≥ Nisab → Zakat Due = Net Zakatable Wealth × 2.5%
Worked example
Example: A Muslim household assessing Zakat for the year 1446 AH / 2026
Bank savings: ₹3,50,000
Gold jewellery above personal use (50g × ₹8,500): ₹4,25,000
Mutual fund portfolio (current market value): ₹1,20,000
💡Zakat is calculated on the total net wealth held on the Zakat date — not on income earned during the year. If your wealth crosses the Nisab and remains there for a full lunar year (Hawl), 2.5% of that total wealth is due — regardless of whether any of it was earned this year or years ago.
Zakat on Gold Jewellery in India
This is one of the most commonly asked Zakat questions among Indian Muslims — gold jewellery ownership is very high across Indian households, and the answer has meaningful financial implications.
The majority scholarly position is that all gold jewellery is zakatable regardless of whether it is worn. A minority position, followed by some Hanafi scholars, holds that gold jewellery worn regularly and within a reasonable personal amount may be exempt. Given the divergence, the safest and most commonly recommended approach is to include all gold jewellery (above a minimal personal allowance) in your zakatable assets.
Practical approach for Indian households: Include the full weight of gold jewellery in your calculation at today's 24K equivalent market rate. If you follow a school of thought that exempts personal-use jewellery, deduct a reasonable personal-use amount and include the surplus. Either way, use the calculator above to see the monetary impact — the difference in Zakat due between including and excluding jewellery is visible immediately.
Zakat on Stocks, Mutual Funds and Crypto
Modern financial instruments are a significant and growing part of Muslim household wealth in India, and scholarly guidance on their treatment in Zakat has developed substantially over the past two decades.
Stocks and equity mutual funds
There are two main scholarly approaches: (1) pay 2.5% on the full current market value of your equity holdings — the simplest approach and widely used; (2) calculate Zakat only on the zakatable portion of the company's underlying assets (its cash, inventory, and receivables as a proportion of total assets) — more precise but requires company-level data. Most individual investors use the full market value approach for practical simplicity.
Cryptocurrency
Contemporary Islamic scholars increasingly classify cryptocurrency as a form of property or digital asset subject to Zakat, on the basis that it is a store of value and medium of exchange. Zakat at 2.5% on the current market value of your crypto holdings on the Zakat date is the emerging majority opinion. As scholarly guidance continues to develop, consult a qualified scholar if your crypto holdings are significant.
💡For stocks and mutual funds where you cannot determine the underlying zakatable assets ratio, using the full current market value × 2.5% is the conservative and widely-accepted approach. This ensures you fulfil your obligation even if the precise calculation is uncertain.
5 Common Zakat Calculation Mistakes
Mistake 1 — Using only cash and ignoring gold
✗ Wrong: Calculating Zakat on bank balance only and forgetting gold jewellery and investments
✓ Right: Include all zakatable assets — gold, silver, stocks, business inventory, receivables, and all cash
Gold jewellery is often the single largest zakatable asset in Indian Muslim households, yet it is commonly omitted. A 50-gram gold holding at current prices is worth over ₹4 lakh — the Zakat on that alone is over ₹10,000. Always value and include all gold and silver holdings above personal use.
Mistake 2 — Deducting the full mortgage balance as a liability
✗ Wrong: "I have a ₹40 lakh home loan, so I deduct ₹40 lakh before computing Zakat."
✓ Right: Deduct only the instalments due in the current year — not the full outstanding loan balance
Most scholars allow deduction of only current-year liabilities — not the entire future loan balance. Deducting a full 20-year mortgage would eliminate Zakat obligations for most homeowners, which is not the intent of Islamic finance jurisprudence. Deduct only what is immediately payable.
Mistake 3 — Confusing the gold and silver Nisab
✗ Wrong: Calculating Nisab at the gold rate but applying it to a wealth portfolio that includes cash and silver
✓ Right: Choose one Nisab method consistently — silver (recommended) or gold — and apply it to your total net zakatable wealth
The Nisab is a single threshold applied to your total net wealth — it is not calculated separately for each asset class. If your total net zakatable wealth (all assets combined) exceeds the Nisab, Zakat is due on the entire amount at 2.5%, not just on the assets that exceed the Nisab.
Mistake 4 — Not updating metal prices before calculating
✗ Wrong: Using last year's gold price to value gold holdings and determine Nisab
✓ Right: Use the actual India market price on your Zakat calculation date — gold and silver prices change significantly year on year
Gold prices in India moved from around ₹5,500/gram in 2022 to over ₹8,500/gram by 2026 — a 55% change. Using an outdated price will materially understate your Zakat obligation on gold holdings. Always check the current market price on your annual Zakat date.
Mistake 5 — Forgetting that Zakat applies to the full net wealth, not just new savings
✗ Wrong: "I only earned ₹50,000 this year, so my Zakat is just 2.5% of ₹50,000."
✓ Right: Zakat is on all qualifying wealth you hold on the Zakat date — accumulated savings, gold, and investments included, not just this year's income
Zakat is a wealth tax, not an income tax. It applies to your total net zakatable wealth as it stands on the day you calculate — including savings built over many years, gold accumulated over decades, and the full market value of your investment portfolio. Income earned in the year is just one component of this total.
☪️ Calculate Your Zakat Now
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Zakat is the third pillar of Islam — an obligatory annual payment of 2.5% on qualifying wealth that has been in your possession for a full Islamic lunar year. It is obligatory on every adult Muslim whose net zakatable wealth equals or exceeds the Nisab threshold. Zakat is not voluntary charity — it is a precise religious obligation and a right of the poor upon the wealth of those who have more than they need.
Nisab is the minimum threshold of wealth above which Zakat becomes obligatory. It is set at either 87.48 grams of gold or 612.36 grams of silver. Using mid-2026 India market prices, the gold Nisab is approximately ₹7.4 lakh and the silver Nisab is approximately ₹58,000. Most contemporary scholars recommend the silver Nisab so that more Muslims fulfil this obligation.
Yes — the majority scholarly position is that all gold jewellery is zakatable at 2.5% of current market value, regardless of whether it is worn. Some Hanafi scholars hold that jewellery worn regularly for personal adornment may be exempt. Since scholars differ, the safest approach is to include all gold jewellery above a minimal personal allowance in your zakatable assets. Consult a qualified Islamic scholar for your specific situation.
Yes. Zakat is payable on stocks and mutual funds at 2.5% of their market value on the Zakat due date. Some scholars calculate Zakat only on the zakatable portion of a company's underlying assets — for practical simplicity, many Muslims use the full current market value. The key is consistency in your method year to year.
Yes — short-term liabilities that are immediately due or payable within the year may be deducted from your total zakatable assets. Long-term liabilities such as a 20-year mortgage are generally not fully deductible; most scholars allow deducting only the portion due in the current year. Consult a qualified scholar for complex or large debt situations.
Assets not subject to Zakat include your primary home, personal vehicle, household furniture and appliances, clothing, and tools and equipment used for earning a livelihood. The core principle is that Zakat applies to liquid and growth assets — cash, precious metals, investment portfolios, and business inventory — not personal necessities or fixed productive assets.
Hawl is the condition that wealth must have been in your possession for a complete Islamic lunar year (approximately 354 days) before Zakat is due on it. Most Muslims choose a fixed annual Zakat date — Ramadan is popular — and calculate on whatever qualifying wealth they hold on that date. If wealth falls below Nisab before the year is up, no Zakat is due for that cycle.
The Quran (9:60) specifies eight categories: the poor, the destitute, Zakat administrators, those whose hearts are to be reconciled, those in bondage, those in debt, those in the way of Allah, and travellers in need. In India, Zakat is commonly distributed through mosques, Islamic welfare organisations like Zakat Foundation of India, and direct support to qualifying individuals in your community.
Yes. While Zakat becomes due as a single annual obligation, it may be paid in instalments across the year — as long as the full amount is paid by the end of the Hawl year. Many Muslims pay monthly for ease. Some prefer to pay the entire amount during Ramadan for the additional spiritual merit of worship in that month.