Zakat is 2.5% of the wealth you have held for a full lunar year, once it is above the nisab threshold. Enter what you own and owe today. Leave any box blank if it does not apply to you.
Nisab today:
Please note
- This calculator is a guide only. Your circumstances may differ, so please ask a scholar if you are unsure.
- Your home and mortgage. Your own home, which you live in, is not counted for Zakat. You cannot deduct your whole mortgage balance. The National Zakat Foundation, approved by its scholar Mufti Amjad, allows up to 12 months of capital repayments to be deducted, and only if paying Zakat would make it hard to keep up repayments. Interest cannot be deducted, so an interest-only mortgage gives no deduction. Some scholars take a stricter view and allow only the payment due this month. Islamic home finance (Diminishing Musharakah or Murabaha) follows the same rule. With an offset mortgage, savings in the linked account are still counted in full.
- Second homes and buy-to-let. A property you keep as a long-term investment, with no plan to sell, is not counted. Rent you still hold on your Zakat date is counted as cash. Property bought to sell on is counted at its market value each year. When you sell a property, the money you still hold on your Zakat date is counted.
- For long-term shares we use NZF’s simple 25% method. If you know the zakatable assets of each company, you can use that figure instead.
- Gold and silver jewellery is counted, whether or not it is worn, following the Hanafi school. Some other schools do not count jewellery that is worn. Pensions, cryptocurrency and long-term debts are treated differently by different scholars, so they are not included above.
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Read more: Zakat on mortgages and property · Zakat on shares and investments · All Zakat guides