Zakat calculator for cash, gold, crypto and shares

Zakat is due from a Muslim whose net zakatable wealth stays at or above the nisab for a full lunar year (the hawl). Basic needs such as your home, clothes and car are not counted. The schools differ on details such as the wealth of children, so ask your scholar about special cases.

The Prophet (peace be upon him) set the nisab at 20 dinars of gold and 200 dirhams of silver (Sunan Abi Dawud 1573). Today the silver nisab is far lower. Most Hanafi scholars in South Asia advise the silver nisab when your wealth is a mix of cash and other assets, because it is more cautious and more of your wealth reaches the poor. Others use gold. This calculator lets you choose and shows both weights.

Scholars who accept crypto as wealth (maal) generally treat coins held for investment or to sell later like trade goods: 2.5% of their market value on your zakat date, added to your other zakatable wealth. Scholars who do not consider crypto to be wealth, such as the June 2026 fatwa of Darul Uloom Karachi, reach a different conclusion. Follow the scholar you trust; see what scholars say on Barqish for every position with its source.

Shares you hold to sell within the year are counted at full market value. For shares held long term for dividends, many scholars and AAOIFI Shariah Standard 35 allow zakat on only your share of the company's zakatable assets (cash, receivables and stock). If you do not know that figure, counting the full market value is the simpler, more cautious choice. Some Islamic funds publish a zakat figure per unit.

The Hanafi school, followed by most Muslims in Pakistan and South Asia, counts gold and silver jewellery even if you wear it. The Shafi'i, Maliki and Hanbali schools generally exempt jewellery worn in normal use. The calculator counts it by default; untick the jewellery option if you follow the majority view.

Your home, car, furniture and tools of your trade are not zakatable. Property you rent out is not zakatable itself, but rent you have saved counts as cash. Property bought with the intention of selling it, such as a plot you plan to resell, is counted at its market value.

Debts you must repay now, such as unpaid bills, money you borrowed and dues on cards, are deducted. For long-term financing such as a house or car, many contemporary scholars allow deducting only the instalments that fall due in the coming year, not the whole balance.

In Pakistan, banks deduct zakat at source on 1 Ramadan from some savings accounts and certain investments under the Zakat and Ushr system, unless you have filed a CZ-50 declaration. Keep the deduction slip and ask your scholar whether, and how, to count it toward what you owe.

No. Interest (riba) is not yours to keep. Scholars advise giving it away to the poor without the intention of reward, and not counting it as zakat or including it in your wealth.

The Quran names eight groups (Surah at-Tawbah 9:60): the poor, the needy, those who collect and distribute zakat, those whose hearts are to be reconciled, freeing people from bondage, people in debt, the cause of Allah, and the stranded traveller. Most scholars say you cannot give your zakat to your parents, grandparents, children, grandchildren or spouse. Give through people and institutions you trust.

No. It follows widely used contemporary methods and shows each choice so you can match it to the guidance of your own scholar. For your situation, especially business, inheritance or debts, ask a qualified scholar.