Calculate zakat on cash, gold, silver and trade goods, with the nisab shown clearly from the gram prices you enter.
Enter the values to see the result here.
This is an estimate. For rulings on personal jewellery, deferred debts and shares, consult a qualified scholar or a trusted fatwa body.
Formula
Add up zakatable assets, subtract debts due, and compare to the nisab:
W=C+gpg+sps+T+R−D
where C is cash, g and s are grams of gold and silver with prices pg and ps per gram, T trade goods, R receivables and D debts due. The nisab is 85pg (gold) or 595ps (silver). If W≥ nisab:
zakat=0.025W
Worked example
Gold at 75 per gram, silver at 1 per gram, using the silver nisab. Cash 10,000, gold 20 g, trade goods 5,000, debts due 1,500.
Gold value: 20×75=1,500.
Total assets: 10,000+1,500+5,000=16,500; net wealth W=16,500−1,500=15,000.
Silver nisab: 595×1=595; gold nisab: 85×75=6,375. Both are met.
Zakat: 0.025×15,000=375.
Common mistakes
Treating the nisab as an income threshold. It applies to wealth held for a year, not to monthly salary.
Using an old gold price. The nisab moves with the market.
Entering 18k or 21k gold grams as 24k. Convert to 24k equivalent first: grams × (karat / 24).
Deducting all future instalments as debt, or counting a residence you live in as zakatable.
Frequently asked questions
Which nisab should I use, gold or silver?
Scholars differ. The silver nisab (595 g) is much lower in money terms, so more people owe zakat under it; it is the more cautious choice and favours the poor. The gold nisab (85 g) is used by many for cash today. Follow your scholar or local fatwa authority. The tool shows both.
When is zakat due?
When your net zakatable wealth has stayed at or above the nisab for one full lunar (Hijri) year, called the hawl. Fix a date each year and calculate on it.
Is gold jewellery I wear included?
Views differ. The Hanafi school generally includes it, while Maliki, Shafi'i and Hanbali opinions often exempt jewellery worn for permitted adornment. If your gold is held as savings or exceeds customary use, it is included. Ask your scholar.
Can I deduct debts?
Debts that are due now and must be paid can be deducted by most scholars. Long-term instalments such as a mortgage are usually only deducted for the amount due within the year; confirm with your scholar.
What about shares and funds?
Shares held for trading are valued at market price like trade goods. Long-term holdings follow other rulings, such as zakat on the company's zakatable assets only. Consult a scholar.