# Zakat Calculator > Free zakat calculator: add cash, gold, silver, investments and business assets, deduct debts, and check the nisab threshold to find your 2.5% zakat. Add up your zakatable wealth, subtract what you owe, and check it against the nisab. If you are above the threshold after one lunar year, zakat of 2.5% is due. *Interactive tool: enter your values at https://toollantern.win/zakat-calculator/ and results update instantly in your browser.* ## What zakat is Zakat is one of the Five Pillars of Islam: eligible Muslims give 2.5% of their qualifying wealth each lunar year to those in need. It becomes obligatory when your net zakatable wealth has been at or above the **nisab** threshold for one full lunar year (hawl, 354 days). ## Gold vs silver nisab There are two standards, both set in the time of the Prophet (peace be upon him): **87.48 grams of gold** and **612.36 grams of silver**. Because silver is far cheaper than gold today, the silver nisab is much lower (about £905 in the UK on 9 October 2026, versus about £8,913 for gold). Most scholars recommend the silver standard because it includes more people in giving, which benefits more recipients. Enter your local gold and silver price per gram above; the calculator converts both thresholds to your currency. ## What counts as zakatable - Cash on hand, bank balances and savings - Gold and silver (jewellery, coins, bars). Note: schools differ on personal-use gold jewellery; the Hanafi school includes all of it, while others exempt jewellery in regular personal use. Follow your school or a trusted scholar. - Investments held for trading (shares at market value, mutual funds, cryptocurrency) - Business inventory and trade goods at wholesale value - Money owed to you that is likely to be repaid **Not zakatable:** your home, personal car, furniture, clothing and daily necessities; long-term business machinery not held for sale. ## Worked examples **Nigeria (naira):** Aisha has ₦2,000,000 in savings and owes ₦200,000 due this year. Her net wealth is ₦1,800,000. With silver around ₦2,250 per gram, the silver nisab is about ₦1,378,000, so zakat is due: 2.5% of ₦1,800,000 = **₦45,000**. **Pakistan (PKR):** Bilal has PKR 800,000 in the bank and gold worth PKR 500,000, with no debts. His net wealth is PKR 1,300,000, above the silver nisab, so his zakat is 2.5% = **PKR 32,500**. **India (INR):** Fatima has ₹300,000 in savings and shares worth ₹200,000. Her net wealth of ₹500,000 exceeds the silver nisab, so her zakat is 2.5% = **₹12,500**. Examples use approximate metal prices; enter current local prices in the calculator. ## Limitations This calculator is informational and follows the common 2.5% method; it cannot replace guidance from a qualified scholar, especially on investments, retirement accounts, business assets and differing school rulings. Metal prices move daily, so verify the current gold and silver price per gram before calculating. ## Frequently asked questions ### Do I pay zakat on cryptocurrency? Most contemporary scholars treat cryptocurrency held as an investment like other tradable assets: it is zakatable at its market value on your zakat date if your total wealth is above the nisab. As with shares, scholars differ on details, so confirm with a scholar you trust. ### Should I use the gold or silver nisab? Both are valid standards from the prophetic tradition. Most scholars recommend the silver nisab (612.36 g) because it is lower and includes more people in the obligation to give. This calculator defaults to silver; you can switch to gold. ### What is the nisab in 2026? The nisab is 87.48 grams of gold or 612.36 grams of silver, converted at current prices. On 9 October 2026 that was about £8,913 (gold) and £905 (silver) in the UK. Enter your local metal prices above for your currency. ### Do I deduct my mortgage or long-term loans? Deduct liabilities due within the zakat year (upcoming instalments, bills, short-term debts). Scholars differ on long-term debt: many allow deducting only the portion due within the year. Follow a consistent method advised by your scholar. ### Is zakat due on my house and car? No. Your primary residence, personal car, furniture, clothing and daily necessities are not zakatable. Only wealth held as savings, precious metals, investments, trade goods and receivables counts. ### When exactly is zakat due? After your wealth has remained at or above the nisab for one full lunar year (hawl, 354 days). Many people pick a fixed date, such as Ramadan, and calculate each year on that date. --- Interactive version: https://toollantern.win/zakat-calculator/