Zakat Calculator 2026 — Calculate Your Zakat Easily

Zakat is one of the Five Pillars of Islam and one of the most important acts of worship a Muslim can perform. Every year, Muslims around the world — including millions across the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman, and Egypt — are required to calculate and pay Zakat on their qualifying wealth. This free, simple Zakat calculator makes that process easy, transparent, and accurate for Gulf residents in 2026 / 1447H. ## What Is Zakat? Zakat is an obligatory annual charity paid by Muslims who meet the Nisab threshold — the minimum level of wealth required for Zakat to apply. The Zakat rate is 2.5% of net zakatable wealth. Often described as "Islam 2.5% charity," it is a spiritual obligation and a practical mechanism for wealth redistribution within the Muslim community. Zakat is due once a full lunar year (Hawl) has passed with your wealth remaining above the Nisab. If your wealth falls below Nisab at any point during the year, the Hawl resets. ## How to Calculate Your Zakat — Step by Step Our online Zakat calculator automates the full Zakat calculation formula. Here is how the calculation works: **Step 1 — Choose your Nisab basis.** Select either the gold Nisab (85 grams of 24k gold) or the silver Nisab (595 grams of silver). The silver Nisab is lower and considered more inclusive by many scholars. Both values are displayed in your chosen currency. **Step 2 — Enter your cash and savings.** Include all cash on hand, bank current accounts, savings accounts, and fixed deposits. All liquid assets held for a year are zakatable. **Step 3 — Add gold and silver.** Enter the weight of your gold (in grams, tola, or troy ounces), select the carat purity (24k, 22k, 21k, or 18k), and enter the current local gold price per gram. The Zakat calculator on gold automatically adjusts for purity and converts to a monetary value. Do the same for silver holdings. **Step 4 — Include investments and business assets.** Add the current market value of shares, investment portfolios, and any business inventory (at resale value). Money owed to you that you expect to collect is also zakatable. **Step 5 — Deduct liabilities.** Subtract any debts or obligations due within the coming year. These reduce your net zakatable wealth. **Step 6 — Calculate.** Our free Zakat calculator compares your net wealth to the Nisab threshold. If you are above it, your Zakat due = net zakatable wealth × 2.5%. ## Understanding the Nisab in 2026 / 1447H The Nisab threshold is not fixed in monetary terms — it changes daily as gold and silver prices fluctuate. As an approximate reference for 2025/2026: - **Gold Nisab**: 85 grams of 24k gold ≈ USD 7,100–7,500 depending on market price - **Silver Nisab**: 595 grams of silver ≈ USD 530–600 depending on market price In Gulf currencies (AED, SAR, QAR, KWD), these figures are displayed in our simple Zakat calculator above. Always verify the current Nisab with your local Islamic authority or a reliable gold price source before finalising your Zakat. ## Zakat Percentage and Formula The Zakat formula is straightforward: **Zakat Due = (Total Qualifying Assets − Short-Term Liabilities) × 2.5%** The Zakat percentage in Islam — 2.5% — has been fixed since the time of the Prophet ﷺ and applies uniformly across asset types: cash, gold, silver, stocks, and trade goods. There is no sliding scale; the Zakat rate is flat once you cross the Nisab. ## What Counts as Zakatable Assets? Zakatable (nisab-eligible) assets include: - **Cash and liquid savings**: All money in bank accounts, including savings and fixed deposits held for 12 lunar months - **Gold and silver**: All forms including jewellery (with scholarly differences on worn jewellery), coins, and bars - **Shares and investments**: Market value of stocks, mutual funds, and investment portfolios on the date of Zakat calculation - **Business inventory**: Goods held for trade at current resale value - **Receivables**: Money owed to you that you realistically expect to collect - **Rental income**: Any accumulated rental income remaining at end of Hawl **What is NOT zakatable** includes your primary home, personal vehicle, household furniture, and professional equipment used for work. ## Zakat in the UAE, Saudi Arabia, Qatar, Kuwait and Gulf Countries Across the GCC, Zakat is both a religious obligation and, for some entity types, a formal requirement. In Saudi Arabia, ZATCA (Zakat, Tax and Customs Authority) administers Zakat collection from companies. Individual Muslims in all Gulf countries are expected to self-calculate and pay their annual Zakat to legitimate charities, local Zakat funds, or directly to the eligible categories (Asnaf). In the UAE, organisations such as Emirates Islamic and the Dubai Department of Islamic Affairs provide guidance. In Qatar, the Ministry of Endowments and Islamic Affairs oversees Zakat. In Kuwait and Bahrain, similar bodies exist. Our Muslim Zakat calculator supports AED, SAR, QAR, KWD, BHD, OMR, and EGP to serve all Gulf residents. ## Common Mistakes When Calculating Zakat **1. Using calendar year instead of lunar year.** Zakat is based on the Islamic (Hijri) lunar year of approximately 354 days, not 365. Some scholars allow using the solar year with a slight adjustment. **2. Forgetting business inventory.** Business owners must include the resale value of their stock as a zakatable asset. Many overlook this. **3. Incorrect gold purity.** Most gold jewellery in the Gulf is 21k or 22k, not 24k. Entering the wrong purity overstates your zakatable gold value. Our yearly Zakat calculator includes a carat selector for accuracy. **4. Deducting long-term debts.** Only debts due within the coming year are deductible. A 5-year mortgage is not fully deductible — only the installments due in the next 12 months can be deducted from zakatable wealth. **5. Ignoring the Nisab check.** If your net wealth is below the Nisab, no Zakat is due — even if you have significant assets. Our Zakat amount calculator automatically checks this for you. ## Disclaimer This Zakat calculator is provided for general informational and educational purposes, based on widely held Shariah principles. It does not constitute a fatwa or religious ruling. Individual circumstances vary. Consult a qualified Islamic scholar or your local religious authority for guidance on your specific situation. Nisab values shown are approximate and should be verified against current gold and silver prices.