Zakat calculator
Work out zakat at 2.5% on gold, silver, cash, business stock and money owed to you, against the gold or silver nisab at the rates you enter.
Published 25 Aug 2026
Enter what you own, what you owe and today’s metal rates, and this works out whether you have crossed the nisab and what 2.5% of your zakatable wealth comes to. Nothing is sent anywhere: the figures stay in your browser.
- Zakatable wealth
- ₹0.00
- Nisab at these rates
- -
How the calculation works
Zakat is due at 2.5% of the wealth you have held for one full lunar year, provided that wealth is above the nisab. The nisab is fixed as a weight of metal, either 87.48 g of gold or 612.36 g of silver, so its value in rupees moves with the market and has to be worked out on the day.
Zakatable wealth is not everything you have. It is money and things held as value: cash at home and in the bank, gold and silver, goods you hold for sale, money lent out that you expect back, and savings or investments. Your home, the vehicle you use, household goods and the tools of your trade are not counted.
From that total you subtract what you owe now. Immediate debts and bills come off; a long loan is normally counted only to the extent of the instalments that are actually due.
Who zakat goes to
The Qur’an names eight categories of recipients, among them the poor, the needy, those in debt, the wayfarer, and the collectors appointed by the authority to gather and distribute it. A masjid is not one of them, so zakat cannot be spent on construction, on upkeep, or on the general work of a committee.
In the Shafi‘i school followed across Kerala, this is not a committee matter at all. The person who owes zakat gives it to those entitled, in person or through someone they appoint to hand it over on their behalf. It does not become mahallu money, and there should be no zakat fund in the mahallu’s books.
What a committee can properly do is know its own people: which households are entitled, and who is in real need this year. That knowledge is what turns a figure on a screen into zakat that reaches the right door. The mahallu’s own collections, which are a separate matter entirely, are covered in keeping mahallu and masjid accounts.
Common questions
What is the nisab, in rupees?
The nisab is a weight, not a rupee figure: 87.48 g of gold or 612.36 g of silver. Its value in rupees is whatever that weight is worth on the day you calculate, which is why the calculator asks for today’s rate rather than assuming one.
Should I use the gold nisab or the silver one?
The silver nisab is much lower, so more people cross it and more zakat reaches those entitled to it. Many scholars and committees in India advise using silver for that reason. If your family or your scholars follow the gold nisab, use that instead; the calculator does both.
Is zakat due on the gold my wife wears?
Positions differ. One view holds that jewellery in regular personal use is exempt; another holds that all gold above the nisab is zakatable regardless of use. The safer and more common practice in Kerala is to include it. Decide the question with your own scholar, then apply the same answer every year rather than changing it with the gold rate.
Do I subtract my home loan from my wealth?
Subtract what is actually due now, not the entire outstanding loan. A long housing loan is usually counted only to the extent of the instalments due, otherwise almost nobody with a loan would ever pay zakat.
When in the year should zakat be calculated?
Zakat is due once your wealth has stayed above the nisab for a full lunar year. Most people fix one date, commonly in Ramadan, and use it every year. Keeping the same date is what makes the yearly calculation honest and simple.
Can our masjid committee collect zakat?
In the Shafi‘i school followed across Kerala, no. Zakat is given by the person who owes it to those entitled among the eight categories, either directly or through someone they appoint to hand it over on their behalf, and the masjid itself is not one of those categories, so it cannot be spent on construction or upkeep either. The committee’s part is to know which households in the mahallu are entitled and point givers to them, without the money passing through the mahallu’s books.