Use the advanced ZakatSuite calculator: add cash, gold, silver, crypto, stocks and business assets, deduct debts, compare gold and silver Nisab, and download a PDF report.
The advanced calculator brings every ordinary kind of wealth into one statement. Separate sections cover cash in hand and in the bank, gold and silver by weight or value, business stock and money owed to you, shares and funds, and cryptocurrency at its market price. Each section explains what belongs in it as you go: money set aside in an account you control counts, the home you live in and the car you drive do not. Because everything is totalled together, an asset that would fall below the Nisab on its own is still correctly charged when your combined wealth passes the threshold.
The Nisab is the line between wealth that is charged and wealth that is left alone, and it is defined by weight rather than by a fixed amount of money: 87.48 grams of gold, or 612.36 grams of silver. The calculator prices both weights in your currency at current metal prices, which is why the threshold in pounds, rupees or dollars changes from day to day even though the weights never change. For cash and mixed wealth most scholars recommend testing against the silver Nisab, the lower of the two, because it brings more wealth into the duty and directs more help to the poor. The test is applied once, to your net total after debts due have been deducted, and if the total reaches the threshold the 2.5% rate applies to the whole amount, not only to the part above the line.
Suppose that on your Zakat date you hold 8,000 in bank savings, gold worth 3,000, and cryptocurrency worth 1,500, and you owe 1,000 on a credit card that is due now. Your zakatable assets total 12,500. Deducting the debt due leaves net wealth of 11,500. The silver Nisab on the same day, priced from 612.36 grams of silver, is far below that figure, so the Nisab test is passed. If a full lunar year has passed over this wealth, the Zakat due is 2.5% of 11,500, which is 287.50. The calculator performs exactly these steps with your real figures, shows each line of the working, and lets you change any input and see the result update before you pay.
Your Zakat date is the anniversary of the day your wealth first reached the Nisab, counted in lunar years of 354 days, so it moves about eleven days earlier in each solar year. Many people choose Ramadan as a practical payment season, which is allowed, but the date you pick should then stay consistent from year to year. Work in one currency throughout: convert foreign balances at the rate on your Zakat date, rather than the rate from when the money was earned, so that the assets, the debts and the Nisab are all measured on the same basis.
A calculator result is an estimate built on the standard method, and a few checks are worth making before money leaves your account. Confirm that a full hawl has passed, that personal items have stayed out of the total, and that only debts genuinely due have come off. Note where the schools differ — personal jewellery, long-term loans and long-term shareholdings are the usual points — and follow one position consistently rather than choosing each year by result. Zakat itself must reach eligible recipients, named in the Quran as the poor, the needy and the other categories of Surah At-Tawbah, and the PDF report from this calculator gives you a dated record of what you calculated and why.
Some duties do not follow the 2.5% pattern at all, and the main calculator deliberately leaves them to their own tools. Farm produce is charged ushr at harvest, livestock follows head-count tables, and Fitrana, Fidya and Kaffarah are worked out per person and per day from local food costs. If part of your wealth falls into one of those categories, calculate that part with its specialist tool from the tools index and add the result to the figure from this calculator, keeping the two workings separate in your records.