Calculate your annual Zakat
Cash, gold, silver, stocks, and crypto — minus short-term debts. Live AED Nisab from daily gold/silver prices. Side-by-side trading vs long-term totals.
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Zakat calculator
Long-term holders may use the liquid-assets proxy: 25% of stock value is zakatable (per AAOIFI Shari'ah Standard 35 and the AMJA fatwa council). Trading-intent equities are zakatable on 100% of market value.
Estimated Zakat owed this year
AED 1,250
≈ $340
Assumptions & disclaimers
Nisab thresholds used today: gold AED 24,932 (87.48g × AED 0/g), silver AED 2,083 (595g × AED 0/g). The silver threshold is the conservative (lower) bar — used here for the "above Nisab" check, per AAOIFI Shari'ah Standard 35.
Spot prices: fallback estimates (—). Live daily gold/silver feed wiring is on the roadmap.
Intent toggle: Long-term holding intent: applied the liquid-assets approximation (25% of stock value is treated as zakatable). Cite: AAOIFI Shari'ah Standard No. 35; AMJA fatwa council.
This is an estimate. Hawl (the 12-lunar-month holding period) is not modelled here — you must have held wealth above Nisab for a full lunar year for Zakat to be due. For binding rulings on edge cases (joint accounts, business inventory, inheritance), consult a qualified scholar.
What's Zakatable?
The Zakat-payable amount is 2.5% of qualifying wealth held for a full lunar year. Here's what counts:
| Asset class | Zakatable amount |
|---|---|
| Cash + bank balances | 100% of balance |
| Gold (≥87.48g) | 100% of market value |
| Silver (≥595g) | 100% of market value |
| Stocks held for trading | 100% of market value |
| Stocks held long-term | ~25% of market value (liquid-asset approximation) |
| Sukuk + Islamic bonds | 100% of market value |
| Business inventory | 100% of inventory value |
| Investment property | Rental income; capital subject to scholarly opinion |
| Primary residence | Excluded |
| Personal vehicles + furniture | Excluded |
Why calculate it inside k25x
Auto-pulls from your accounts
No spreadsheet juggling. Connect your accounts and Zakat is computed across cash, brokerages, gold holdings, and business assets in one place.
Hawl tracking
Set your annual date (e.g., 1 Ramadan) and we track whether your wealth stayed at or above Nisab the whole lunar year. Resets if you dipped below.
Live Nisab
Nisab updates daily from current gold/silver spot prices. No need to look it up manually each year.
Local-first
Your wealth data never leaves your device unless you enable cloud sync. Your Zakat calculation is yours alone.
Frequently asked questions
What is Zakat?
Zakat is the third pillar of Islam — an annual obligatory charity of 2.5% on qualifying wealth held for a full lunar year (Hawl). It's not a tax; it's a worship and a redistribution mechanism.
What is Nisab?
Nisab is the minimum threshold for Zakat eligibility. Two standards: 87.48g of gold (roughly AED 25,000 / $6,800 at recent prices) or 595g of silver (roughly AED 2,080 / $565). The silver standard is lower, so it's more inclusive — the classical 595g weight (200 dirhams at 2.975g each) is the conservative default used here. The calculator above shows today's live AED Nisab values in the assumptions panel.
What's a Hawl?
A Hawl is a complete lunar year (~354 days) during which your wealth must remain at or above Nisab. If your wealth dipped below at any point, the Hawl resets. Practical tooling: pick your fixed annual date (e.g., 1st Ramadan) and calculate at that time each year.
Do I pay Zakat on stocks and funds?
Yes, with caveats. For trading-intent equities, Zakat is on the full market value. For long-term holdings, scholars typically permit calculating Zakat only on the company's liquid assets (cash + receivables), which can be approximated as ~25% of market value for typical companies. The calculator above exposes this as a toggle so you can see both totals side-by-side and pick what your scholar advises.
What about retirement accounts and end-of-service gratuity (the United Arab Emirates)?
If the balance is accessible (penalties acceptable to you), include the full amount as cash. If it's locked or contingent — Emirates end-of-service gratuity before you've completed the qualifying year, vested-but-restricted share awards, defined-benefit pensions you can't draw — most scholar councils defer Zakat until the funds become accessible. The published reference is AAOIFI Shari'ah Standard No. 35 on Zakat, sections on debts owed to the payer and locked/inaccessible wealth. For Emirates End-of-Service Benefits specifically, the gratuity formula and accessibility timing matter — see our end-of-service calculator for the calculation, then add the resulting figure to this calculator only once the funds are payable to you.
Are debts subtracted?
Yes — short-term debts payable within the next year are subtracted before calculating Zakat. Long-term mortgage on residence is typically NOT subtracted in the conservative view (the property is not Zakatable, only investment property is).
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