How to Calculate Zakat in 2026 (Nisab, Gold & Silver)
By the Profitvana Editorial Team · Updated May 2026
Zakat is an annual charitable payment in Islam, set at 2.5% of qualifying wealth. The maths is simple once you know what counts and where the threshold (nisab) sits. Here is how to work it out in 2026.
What counts as zakatable wealth
Zakat is due on cash and bank savings, gold and silver, money owed to you that you expect to be repaid, and business inventory or merchandise. Your home, personal car, and everyday belongings are not zakatable.
Add these up, then subtract debts you owe that are due, to get your net zakatable wealth.
The nisab (gold or silver)
Zakat is only due if your wealth reaches the nisab — the value of 85 grams of gold or 595 grams of silver. Because the silver nisab is lower, many scholars recommend using it, so more people give and more of the poor benefit.
Since gold and silver prices move daily, the nisab in your currency changes — our zakat calculator reads live prices so it is always current.
The rate and the lunar year (hawl)
If your net wealth stays at or above the nisab for one full lunar year (hawl), you give 2.5% of it. On $10,000 of zakatable wealth, that is $250.
A worked example
Suppose you have $8,000 cash, $3,000 in gold, and $1,000 owed to you, with $2,000 of debts due. Net zakatable wealth is $10,000. If that is above the nisab and held a lunar year, zakat is $250 (2.5%).
This is general guidance, not a fatwa — for complex assets, consult a qualified scholar.
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Profitvana Editorial Team
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