Add up your cash, gold, investments and business assets in dirhams, subtract the debts you owe, and see exactly what 2.5% of your wealth looks like against the nisab threshold.
Why silver is the default: the silver nisab is the lower threshold, and it is the most widely recommended basis because it benefits the poor sooner. Switch to gold if you follow an opinion that prefers it.
Include every account you hold, in any currency, converted to AED at today's rate.
Check today's price, these are editable estimates. Defaults are indicative mid-2026 levels. Lower-karat gold is valued by its pure gold content: grams × karat ÷ 24 × the 24k price.
Use today's market value. Many scholars treat long-term shareholdings differently, but the safe and most common approach is to include the full market value.
Only count debts you realistically expect to be repaid. Doubtful or long-defaulted loans can be left out until the money actually returns.
For traders and business owners: stock held for sale, valued at its selling price, plus invoices you expect customers to pay. Equipment, vehicles and premises used to run the business are not zakatable.
Credit card balances due, the next 12 months of loan installments, unpaid rent and bills. Not the full principal of a long-term mortgage: most scholars only allow deducting the installments actually due in the coming year, not the whole outstanding balance.
Your category breakdown appears here as you enter amounts.
The lunar (hijri) year is the standard. If you fix your zakat date on the solar calendar, 2.577% compensates for the longer year.
Three ideas do all the work: a year, a threshold, and a rate.
Zakat al-mal, the zakat on wealth, follows one simple test. Pick your zakat anniversary: the date, one hawlHawl: one full lunar (hijri) year of continuous ownership. About 354 days, roughly 11 days shorter than the solar year. ago, when your zakatable wealth first reached the minimum threshold. If, on that anniversary, your net zakatable wealth is still at or above the nisabNisab: the minimum wealth at which zakat becomes due, fixed by the Prophet ﷺ at 85g of gold or 595g of silver, valued at today's prices., you owe 2.5% of it.
Step one: add up what you own. Cash in every account and currency, gold and silver by weight, shares and funds at market value, crypto at market value, money others owe you that you expect back, and, if you trade, inventory at its sale price plus business receivables. Assets you use rather than grow, like your home, your car and your furniture, stay out of the sum entirely.
Step two: subtract what you owe soon. Debts that are due now or fall due within the coming year come off the total: credit card balances, the next twelve months of loan installments, unpaid rent and bills. The full principal of a 20-year mortgage does not, because zakat looks at the wealth actually at your disposal this year, not your lifetime liabilities.
Step three: compare against the nisab and apply 2.5%. The nisab was set in weights of precious metal, 85 grams of gold or 595 grams of silver, so its dirham value moves with metal prices. Because silver is cheaper, the silver nisab is the lower bar, and most contemporary scholars recommend it precisely because it obliges more people to give and gets help to the poor sooner. Clear the bar and the rate is a flat 2.5% of your net wealth, one dirham in every forty. If you calculate on the solar calendar instead of the hijri one, use 2.577% to make up for the extra eleven days.
That is the whole engine. The calculator above simply runs these three steps live, in AED, as you type.
The dividing line is intent and growth. Wealth that is money, behaves like money, or is held to be sold is zakatable. Things you own in order to use them are not.
Personal gold jewelry is the one item where the schools genuinely part ways. The Hanafi school holds that gold and silver are zakatable by their nature, so jewelry a woman wears is included in the calculation like any other gold. The Maliki, Shafi'i and Hanbali schools exempt jewelry kept for ordinary personal use, taxing it only if it is hoarded as a store of value or held for trade. Neither position is a modern invention; both rest on early evidence. The sound course is to follow your own madhhab or the scholar you normally consult, and if in doubt, including it is the safer and more generous choice.
This calculator is an educational aid. It applies the most common contemporary positions, but zakat is worship, and on jewelry, shares, mortgages and disputed debts, qualified opinions genuinely differ. For anything material, confirm your figures with a qualified scholar or your local zakat authority before you pay.
In the UAE, the official body is the UAE Zakat Fund (zakatfund.gov.ae), which calculates, collects and distributes zakat locally and can answer questions specific to your situation. Metal price defaults on this page are indicative mid-2026 estimates: always check today's prices before finalizing an amount.
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