Calculator Methodology

How the Calculator Works

The calculator totals zakatable assets, subtracts selected eligible deductions, compares the result to the chosen nisab threshold, and applies 2.5% when Zakat is due.

Amounts are stored internally in USD and converted for display using selected currency rates. Live metal, currency, and crypto prices may change between visits.

The calculator does not decide whether Zakat is religiously due in every case. It applies the inputs and assumptions you select so you can discuss the result with appropriate knowledge and, when needed, a qualified scholar.

Core Assumptions

• Cash, savings, gold, silver, business inventory, receivables, stocks, retirement assets, and crypto are treated according to the method selected in the form.
• Stock and retirement calculations include simplified options for users who need practical estimates.
• Immediate personal debt and qualifying annual business or investment debt may reduce zakatable wealth when entered by the user.
• Crypto is treated as zakatable at full market value under the stated AAOIFI-style approach.

Nisab and Timing

Users may choose gold or silver nisab. The calculator estimates thresholds from live metal prices when available.

The tool does not determine your hawl date for you. Users should apply their own Zakat due date and consult scholars if wealth fluctuates around nisab.

When to Ask a Scholar

Consult a qualified Islamic scholar for complex cases, business structures, retirement restrictions, debt disputes, trusts, inheritance, mixed-use assets, or when following a specific madhhab changes the ruling.

This calculator is a structured educational aid, not a fatwa, religious ruling, or claim of scholarly authority.