Zakat Calculator is built for zakat due on savings (2.5%) — fast, free, and private. Fill in Cash & Bank (PKR/AED), Gold/Silver Value and Other Assets on Zakat and read your answer immediately. Nothing in Zakat is a black box. Zakat shines when speed matters. No sign-up is needed for Zakat. The math runs on your device. Looking for zakat calculator 2.5 percent islamic wealth or free online zakat calculator? Zakat covers both. Keep Zakat bookmarked for next time. Start with Zakat; the first number takes seconds.
What the defaults give
Assets of 900,000 less a 50,000 debt leave 850,000 of net zakatable wealth. At 2.5% the zakat due is 21,250.
The rate is fixed; what moves the answer is which assets are counted and which debts are deducted.
The arithmetic
Net wealth = cash + gold + other − debt
Zakat = net wealth × 2.5%
2.5% is one fortieth, which is why the answer is easy to sanity-check by hand: 850,000 ÷ 40 = 21,250. Zakat falls due when net wealth has stayed above the nisab for a full lunar year, and the nisab is the value of 87.48 grams of gold (or 612.36 grams of silver, which is the lower and therefore more inclusive threshold).
Worked examples
850,000 net → 21,250
600,000 net → 15,000
1,350,000 net → 33,750
700,000 net → 17,500
1,150,000 net → 28,750
800,000 net → 20,000
875,000 net → 21,875
Each extra 100,000 of net wealth adds 2,500 of zakat, so the relationship is linear everywhere above the nisab. Below it the liability is zero rather than a smaller percentage — the nisab is a threshold, not a taper.
What belongs in each box
Cash covers bank balances, savings, current accounts and money held in digital wallets. Gold and silver are entered at current market value, not at what you paid. "Other" is where business inventory, shares held for trading and receivables you expect to collect go.
Debts are the contested part. A bill due now, or an instalment that has fallen due, is deductible. A whole 25-year mortgage is generally not deducted in one year; most scholars allow only the payment currently due. Entering the full outstanding loan can wipe out a liability that is actually owed, which is why the default deducts a modest 50,000.
Personal-use assets stay out: the home you live in, the car you drive, furniture and clothing are not zakatable. A second property held for resale is a business asset and does belong in "other".
The lunar year matters. Zakat is due on wealth held for a full hawl, so a bonus received last month is not automatically part of this year’s base. Many people pick one date — the start of Ramadan is common — and calculate on that date each year, which is simpler than tracking each asset separately.
Frequently Asked Questions
How is zakat calculated on savings?
Add cash, gold, silver and other zakatable assets, subtract deductible debts, and take 2.5% of the result if it exceeds the nisab.
What is the nisab?
The threshold below which no zakat is due: 87.48 grams of gold or 612.36 grams of silver, valued at current prices.
Can I deduct my mortgage?
Usually only the instalment currently due, not the whole balance. Enter the amount that has actually fallen due this year.
Is zakat due on the house I live in?
No. Personal-use property such as your home, car and furniture is excluded. Property held for resale counts as business inventory.
Does the 2.5% rate ever change?
For cash and general wealth it is fixed at 2.5%. Agricultural produce and livestock use different rates, which this page does not cover.
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