How to use this calculator
- Choose your currency and update the gold price per gram to today's local price — this sets the nisab.
- Enter what you own: cash, bank money, gold (in grams), silver (its value) and business stock or trade assets.
- Enter debts and bills that are due to be paid now, then click Calculate to see your net wealth, the nisab, and the zakat due.
Formula — how it is calculated
Zakat is charged at 2.5% (one fortieth) of zakatable wealth, once that wealth reaches the nisab and a full lunar year (hawl) has passed over it. The nisab for money is the value of 85 grams of gold (a silver nisab of 595 grams also exists; the gold standard is the one most commonly used for cash wealth today, and the one this calculator applies). Zakatable wealth includes cash, money in bank accounts, gold and silver you own, and business assets such as stock held for sale and business cash. It does not include your home, your car, furniture, or personal belongings in use.
The calculation is: add all zakatable assets, subtract the liabilities that are due now (debts and bills payable, not the entire balance of a long-term loan under the approach most commonly followed), and compare the result with the nisab. If your net wealth is below the nisab, no zakat is due. If it is at or above the nisab, zakat is 2.5% of the whole net amount — not just the part above the threshold. Scholars differ on some details, such as the treatment of long-term debts, pension funds and jewellery in personal use; treat this as a careful estimate and confirm your own situation with a scholar you trust.
Worked example
Using the defaults above, in AED: cash 5,000 + bank 40,000 + gold 50g × 400 = 20,000 gives total assets of AED 65,000. Less liabilities of 2,000 leaves net wealth of AED 63,000. The nisab is 85 × 400 = AED 34,000, so this wealth is above nisab. Zakat is 2.5% of 63,000 = AED 1,575. If the gold price — and therefore the nisab — rose above 63,000 ÷ 85 ≈ AED 741 per gram, the same wealth would fall below nisab and no zakat would be due, which is why entering a current gold price matters.
Frequently asked questions
What is the nisab for zakat in 2026?
The nisab is not a fixed money amount — it is the value of 85 grams of gold at the current price. At AED 400 per gram, for example, the nisab is AED 34,000. Check today's gram price and this calculator works the nisab out for you.
How much zakat do I pay on AED 100,000?
If that AED 100,000 is zakatable wealth held for a full lunar year and above the nisab, zakat is 2.5% = AED 2,500. Debts due now are deducted first.
Is zakat due on gold jewellery?
For gold kept as savings or investment, yes. Scholars differ on jewellery in regular personal use — many hold it is still zakatable, others exempt it. This calculator includes whatever gold you enter; follow the position you trust for jewellery in use.
Do I pay zakat on my house, car or salary?
Not on your home, car or personal belongings. Salary is not taxed monthly — but the money you have saved from it counts as cash/bank wealth on your zakat date if it has reached the nisab and completed a lunar year.
When should zakat be calculated?
On your personal zakat date — the date your wealth first reached the nisab, one lunar year later and each year after. Many people choose a date in Ramadan for the extra reward, which is fine as long as they stay consistent year to year.