Ilmwell explains and attributes; we do not issue fatwas. This calculator is not a fatwa and not financial advice: it does arithmetic on the figures you enter. For your own situation, ask a scholar you trust, and an accountant for the figures.
This zakat calculator totals your wealth minus the debts you take off and checks it against the nisab: the value of 612.36 g of silver or 87.48 g of gold. At or above it, it shows 2.5%, the quarter of a tenth the four school works give once a lunar year has passed. You enter dated metal prices, and nothing leaves your device.
How do you calculate zakat?
Here is how to calculate zakat in four steps, one for each part of the calculator. Our zakat guide sets out the four schools' conditions in full.
Add up what you own
Count cash at home, bank and savings balances, gold and silver, and any other wealth you decide is zakatable, meaning zakat is due on it. The International Islamic Fiqh Academy, in Resolution 21 (1986), holds that paper money takes the rulings set for gold and silver, including zakat 7. Shares, pensions and money owed to you are not discussed in the sources here.
Take off debts
Al-Marghinani (Hanafi), in al-Hidayah 1/95, says a person whose debt to others takes up all his wealth owes no zakat, and he reports al-Shafi'i as saying zakat is still due in that case. One whose wealth exceeds his debt pays on the surplus if it reaches a nisab 2. The other three schools' views on debt are not cited, and none of these passages discusses a mortgage, a credit card or a student loan.
Compare the total with the nisab
The four school works cited here set the nisab at 20 mithqals of gold or 200 dirhams of silver 2 3 4 5. Darul Ifta Birmingham, in fatwa 07042, gives these as 87.48 g of gold (7.5 tola) and 612.36 g of silver (52.5 tola) 8, the figures this calculator uses. IslamWeb fatwa 120628 accepts 85 g and 595 g 9. Grams times the price per gram gives the nisab in pounds.
2.5% once a lunar year has passed
The four works make zakat on gold and silver due once a year has passed over a full nisab. The rate is a quarter of a tenth 2 3 4 5. Anas, may Allah be pleased with him, reported the letter Abu Bakr, may Allah be pleased with him, wrote setting out the sadaqah the Prophet Muhammad, peace be upon him, laid down. It includes "on silver, a quarter of a tenth" (Sahih al-Bukhari 1454, graded sahih) 1. A quarter of a tenth is 1/40, which is 2.5%.
Egypt's Dar al-Ifta, in fatwa 8124, told a business owner that the year that counts is the lunar Hijri year, which its formula takes as 354 days 6. The Islamic date tool shows today's Hijri date, if you want to note your zakat date.
What does a zakat calculation look like?
An illustration only. The prices below are made up to keep the arithmetic easy. They are not real prices, and the result is not an assessment of what anyone owes.
| Cash and savings | £6,000 |
|---|---|
| Debts taken off | £1,000 |
| Zakatable total | £6,000 minus £1,000 = £5,000 |
| Silver nisab at £1.00 a gram | 612.36 × £1.00 = £612.36, so the total is above it |
| 2.5% of the total | £5,000 × 0.025 = £125.00 |
| Gold nisab at £100 a gram | 87.48 × £100 = £8,748, so the total is below it and the calculator shows £0.00 |
With these prices, the same £5,000 is above the silver nisab and below the gold one, so the basis you pick can decide whether anything is due.
Which nisab should I use, gold or silver?
The calculator shows both side by side and does not choose for you. Darul Ifta Birmingham's fatwa 07042, written by Mufti Mohammed Dilwar Hussain and approved by Mufti Mohammed Tosir Miah, says calculating with either the gold or the silver equivalent is valid. It calls the silver threshold extremely advisable for someone with sufficient disposable income, and says this is only advice 8. IslamWeb fatwa 120628 reports that a few scholars value paper money by gold in all cases, while the majority value it by the lower of the two nisabs 9. Follow your school or a scholar you trust.
How do you calculate zakat on gold?
To calculate zakat on gold, find its value first: the weight in grams times the price per gram. In the calculator, open "Enter gold or silver by weight", type the weight in grams or tola and the price per gram, and the value joins your total. For tola it uses 1 tola = 11.664 g, our division of Darul Ifta Birmingham's 87.48 g for 7.5 tola; its 612.36 g for 52.5 tola gives the same 8.
Illustration only: 10 tola is 10 × 11.664 = 116.64 g. At a made-up price of £100 a gram that is £11,664 of gold, and 2.5% of it would be £291.60 if all of it counted and the year had passed.
Is zakat due on gold jewellery?
The schools differ, and the calculator leaves it to you what to enter. One work from each school:
- Hanafi Al-Marghinani, al-Hidayah 1/103: zakat is due on raw gold and silver, their jewellery and their vessels. He records that al-Shafi'i disagreed about women's jewellery 2.
- Maliki Ibn 'Abd al-Barr, al-Kafi 1/286: no zakat on jewellery made for women's adornment, not for trade or hire. Jewellery for trade carries it, and jewellery for hire is disputed 3.
- Shafi'i Abu Shuja', al-Ghayah wa al-Taqrib, with al-Ghazzi's Fath al-Qarib p. 128: no zakat on permitted jewellery. Al-Ghazzi adds that prohibited pieces, such as a man's bracelet, carry it 4.
- Hanbali Al-Buhuti, Kashshaf al-Qina' 5/17: no zakat on permitted gold or silver jewellery kept for use or lending, even before it is worn or lent 5.
Whether your own pieces count, and whether to count a piece's full weight or only its gold, is a question for a scholar you trust.
The first year I worked out my own zakat, I did it on the back of an envelope at the kitchen table and got three different totals. In the end I sat down with my dad, listed every account and the bit of gold I had, and went through it line by line.
Questions people ask
How do I calculate zakat on cash and savings?
Add the cash you hold and your bank and savings balances on the day you work it out, and enter the total on the first line. The International Islamic Fiqh Academy treats paper money like gold and silver for zakat. If the total after the debts you take off reaches the nisab and a lunar year has passed, the calculator shows 2.5% of it: on £10,000 that is £250 (arithmetic only).
How do I calculate zakat on my salary?
None of the sources on this page discusses salary as such. They apply zakat once a year has passed over wealth that reaches the nisab, so the calculator works on what you hold on your zakat date. So enter what is in your accounts on your zakat date. How to treat money that arrived partway through the year is a question for a scholar you trust.
How do I calculate zakat on gold in tola?
Multiply the tola by 11.664 to get grams, then multiply by the price per gram. The weight helper in the calculator does this for you. We get it by dividing the 87.48 g that Darul Ifta Birmingham fatwa 07042 gives for 7.5 tola by 7.5. At a made-up price of £100 per gram, 10 tola (116.64 g) is worth £11,664, and 2.5% of that is £291.60.
Is this zakat calculator for the UK?
Yes. It works in pounds, and you enter the price per gram of gold and of silver in pounds from a UK bullion dealer, with the date of the price and where it came from. We do not show a price and we use no automatic price feed, because prices change every day and an old one would give a wrong nisab: a price with no date, or more than 7 days old, is not used. Everything is worked out on your device; nothing you type is sent or saved.
Should I use the gold or the silver nisab?
The calculator shows the gold and silver nisab side by side, each with its own price, and does not choose for you. Darul Ifta Birmingham fatwa 07042 says either is valid and advises silver for those with enough disposable income, as advice only. IslamWeb fatwa 120628 reports that a few scholars value banknotes by gold in all cases and the majority by the lower of the two. Follow your school or a scholar you trust.
Sources
Every claim on this page comes from one of these. Hadith gradings are reported with the scholar's name; we do not grade hadith ourselves, and we report school positions without choosing between them.
- 1
Anas reports the letter Abu Bakr wrote for him when he sent him to Bahrain, setting out the obligatory sadaqah the Prophet laid down; it includes: on silver (al-riqqah), a quarter of a tenth, and nothing if there are only one hundred and ninety
Sahih al-Bukhari 1454 Book 24, Hadith 57
Authentic: in Sahih al-Bukhari
- 2
Al-Marghinani, in al-Hidayah (Hanafi), makes zakat due on a free, sane, adult Muslim who fully owns a nisab for a year, exempts debt that takes up the wealth and personal-use property, gives the silver and gold nisab, includes jewellery, lists recipients and those excluded, and sets out sadaqat al-fitr.
al-Marghinani, al-Hidayah 1/95 to 1/96, 1/102 to 1/103 and 1/110 to 1/114 Read on shamela.ws on 25 October 2026. Record: scholarly-zakat-hanafi-hidayah.
- 3
Ibn 'Abd al-Barr, in al-Kafi (Maliki), makes zakat due on a free Muslim who owns the threshold for a full year, young or old, sane or not; lists gold and silver, livestock, crops and trade goods; gives the gold and silver nisab at a quarter of a tenth; exempts women's adornment not for trade or hire; and lists the recipients of At-Tawbah 9:60 and those excluded.
Ibn 'Abd al-Barr, al-Kafi fi Fiqh Ahl al-Madinah 1/284 to 1/286 and 1/325 to 1/327 Read on shamela.ws on 25 October 2026. Record: scholarly-zakat-maliki-kafi.
- 4
Abu Shuja's matn al-Ghayah wa al-Taqrib, with al-Ghazzi's commentary Fath al-Qarib (Shafi'i), defines zakat, lists five kinds of zakatable wealth and five conditions for gold and silver including the year, gives the gold and silver nisab at a quarter of a tenth, excludes permitted jewellery, names the eight recipients of At-Tawbah 9:60 and those who may not receive it, and sets out zakat al-fitr.
Abu Shuja', al-Ghayah wa al-Taqrib, with al-Ghazzi, Fath al-Qarib, pp. 119 to 135 Read on shamela.ws on 25 October 2026. Record: scholarly-zakat-shafii-fath-al-qarib.
- 5
Al-Buhuti, in Kashshaf al-Qina' (Hanbali), gives the meaning of zakat, its legal definition, the wealth it is due on and five conditions including the year, includes a child's and an insane person's wealth, gives the gold and silver nisab at a quarter of a tenth, excludes permitted jewellery kept for use or lending, and lists the eight recipients and those excluded.
al-Buhuti, Kashshaf al-Qina' 4/301, 4/304 to 4/312, 4/327, 5/5 to 5/7, 5/17, 5/114 and 5/165 to 5/167 (Wizarat al-'Adl edition) Read on shamela.ws on 25 October 2026. Record: scholarly-zakat-hanbali-kashshaf.
- 6
Egypt's Dar al-Ifta, fatwa 8124 (15 November 2023, Shawqi Ibrahim Allam), asked by a business owner whose accounts follow the Gregorian year, answers that the year for zakat on wealth is the lunar Hijri year at a quarter of a tenth (2.5%), and that where lunar accounting is difficult the solar year may be used at 2.577%.
Egypt's Dar al-Ifta, fatwa 8124, 15 November 2023 Read in Arabic on the institution's own site on 25 October 2026. Record: scholarly-dar-alifta-8124-lunar-year.
- 7
The International Islamic Fiqh Academy, Resolution 21 (3/9), adopted at its third session in Amman, 11 to 16 October 1986, holds that paper currencies are money with full monetary character and take the rulings set for gold and silver, including zakat.
International Islamic Fiqh Academy, Resolution 21 (3/9), third session, Amman, 11 to 16 October 1986 Read in Arabic on the institution's own site on 25 October 2026. Record: scholarly-iifa-resolution-21-paper-money.
- 8
Darul Ifta Birmingham, fatwa ID 07042 (Mufti Mohammed Dilwar Hussain, checked and approved by Mufti Mohammed Tosir Miah, posted 19 April 2024), gives the nisab as 20 dinars, 7.5 tola or 87.48 grams of gold, and 200 dirhams, 52.5 tola or 612.36 grams of silver; it says calculating with either the gold or the silver equivalent is valid, and advises those with sufficient disposable income to use the silver threshold, as advice only.
Darul Ifta Birmingham, fatwa ID 07042, "Nisab Threshold for Gold in Zakat", 19 April 2024 Read on the publisher's own site on 27 October 2026. Record: scholarly-darul-ifta-birmingham-07042-nisab.
- 9
IslamWeb fatwa 120628, 'Silver has its own Nisaab' (22 April 2009), accepts 85 grams of gold and 595 grams of silver as today's grams for the nisab of 20 dinars and 200 dirhams, and reports that a few scholars value banknotes by gold in all cases while the majority value them by the lower of the two nisabs.
IslamWeb, fatwa 120628, "Silver has its own Nisaab", 22 April 2009 Read on the publisher's own site on 27 October 2026. Record: scholarly-islamweb-120628-silver-nisab.
- 10
The Islamic Relief Worldwide nisab page gives the nisab as the value of 87.48 grams of gold or 612.36 grams of silver, says most scholars advise using the silver value because it is usually the lower threshold, and notes that others argue the gold nisab is closer to the one in the Prophet's time.
Islamic Relief Worldwide, "Nisab" (islamic-relief.org/nisab), read 28 October 2026; the Islamic Relief UK page could not be opened Read on the publisher's own site on 28 October 2026. The page shows no update date. Record: reference-islamic-relief-worldwide-nisab.