Zakat Calculator
Zakat is generally 2.5% of your net zakatable wealth (assets minus short-term liabilities), if that wealth is at or above the nisab threshold and held for one lunar year (hawl).
This Zakat calculator helps you estimate whether your net zakatable wealth exceeds the nisab threshold and, if so, what 2.5% Zakat amount may be due in GBP.
Enter your cash, savings, gold, silver, investments, crypto, and business stock, then add any qualifying short-term liabilities. Choose silver or gold nisab. The result is an estimate, not a religious ruling — for complex cases, check trusted scholarly guidance.
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What this calculator does
This calculator totals your zakatable assets, deducts qualifying short-term liabilities, compares the result against your chosen nisab threshold (silver or gold), and shows your estimated Zakat at 2.5% if you are eligible.
Who it is for
Muslims in the UK who want a clear, plain-English starting point for working out their annual Zakat. The calculator is educational and does not provide a religious ruling.
How to use it
Choose silver or gold nisab. Enter your cash, savings, gold, silver, shares, crypto, and business stock at current GBP value. Add any short-term debts or overdue bills. Click 'See my result' to see your estimated Zakat.
How the calculation works
Net zakatable wealth = total assets − qualifying short-term liabilities. If net wealth is at or above the chosen nisab threshold (silver: 612.36g × silver price; gold: 87.48g × gold price), Zakat = net wealth × 2.5%. If net wealth is below the threshold, no Zakat is due. Negative net wealth is treated as £0 for the payable result.
Worked example
A user holds £8,000 cash, £1,500 gold, and £500 in shares = £10,000 total assets. They have £200 in overdue bills = £200 liabilities. Net zakatable wealth = £9,800. Silver nisab (April 2026 indicative): 612.36g × £0.85 = £520.51. £9,800 is well above £520.51, so Zakat = £9,800 × 2.5% = £245.00.
Assumptions and limitations
- Zakat rate fixed at 2.5% of net zakatable wealth
- Silver nisab uses 612.36g; gold nisab uses 87.48g
- Indicative GBP per-gram metal prices are reviewed manually — actual nisab values change daily and different organisations use different methods
- Mortgages and long-term loans are not deducted in full — only short-term and currently due liabilities should be entered
- Pensions, property, and complex business cases vary and are not fully modelled in v1 — see the guide
- Treatment of shares depends on intention and structure; the value entered is treated as a zakatable asset for this estimate
- This is an estimate, not a religious ruling — for complex cases, check trusted scholarly guidance
Frequently asked questions
What is nisab?
Nisab is the minimum threshold of wealth a person must hold (above their basic needs and short-term liabilities) for one lunar year before Zakat becomes payable. It is benchmarked against the value of either 87.48g of gold or 612.36g of silver.
How is Zakat calculated?
Zakat is calculated as 2.5% of your net zakatable wealth — your total zakatable assets minus your qualifying short-term liabilities — provided that net wealth is at or above the nisab threshold and has been held for one lunar year (hawl).
Is Zakat 2.5%?
Yes. The standard Zakat rate on personal wealth (cash, savings, gold, silver, business stock and similar assets) is 2.5% (one fortieth) once the nisab threshold is met.
Do I pay Zakat on cash savings?
Yes. Cash in bank accounts, cash at home, ISAs and similar savings are generally treated as zakatable assets at their current value.
Do I pay Zakat on gold and silver?
Yes. Gold and silver — including jewellery in many scholarly views — are zakatable. Use the current market value in GBP.
Can debts reduce my Zakat calculation?
Only qualifying short-term liabilities — debts due within roughly the next 12 months and amounts that are overdue now — should be deducted. Long-term debts like mortgages and multi-year loans are usually not deducted in full.
Is mortgage debt deducted in full?
Generally no. Most scholars and Zakat guidance say you should not deduct your full mortgage balance. Only this year's payments (or amounts that are overdue) typically count as a short-term liability.
Do I pay Zakat on business stock?
Yes. Stock held for resale is treated as a zakatable asset, valued at the price you would expect to sell it for.
Do I pay Zakat on cryptocurrency?
Many contemporary scholars treat cryptocurrency held as wealth or for trading as zakatable at its current GBP value, similar to cash. There is ongoing scholarly discussion, so check trusted guidance.
What about pensions or property?
Pensions and property are complex. Some pension types and investment property may be zakatable in part, others may not be. This calculator does not fully model these cases — see the guide for more detail.
What is hawl?
Hawl is one lunar year (around 354 days). Zakat is generally due once your wealth has stayed at or above the nisab threshold for one full lunar year.
Should I use silver or gold nisab?
Silver nisab gives a lower threshold and is therefore more inclusive — many people choose this. Gold nisab is a higher threshold. Different scholars and organisations use different standards, so use whichever you and your trusted source prefer.
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Sources and references
National Zakat Foundation guidance (https://www.nzf.org.uk/calculate-zakat/), Islamic Relief UK Zakat guide (https://www.islamic-relief.org.uk/giving/zakat/zakat-calculator/). Indicative metal prices reviewed by Korvaix in April 2026; nisab values change daily.
Last updated
Last reviewed: 2026-04-19.