Enter what you own and what you owe. We tell you whether you are above nisab and exactly how much zakat is due. Live gold and silver prices, every major currency, scholar rulings built in for long-term debts. Nothing saved unless you sign in.
Jewellery: most scholars include it. Shafi'i and Maliki positions exempt personal-use jewellery (not investment), Hanafi includes it. When in doubt, include.
Nothing is saved or sent anywhere, this is all computed in your browser.
Not included: your primary home, personal-use car, retirement accounts you cannot access yet (scholars differ on this, so be cautious if you can).
Gold nisab: 87.48g of gold. A more lenient threshold, closer to the poverty line today.
Silver nisab: 612.36g of silver. Much lower in fiat today, so zakat is due at a lower wealth level. Many contemporary scholars (NZF, Zaytuna, AMJA) encourage using silver nisab precisely because it benefits more recipients.
Barakah implements AMJA / NZF / Bradford Council positions on long-term liabilities and retirement accounts. If you follow a specific madhhab closely, consult your local scholar.
Zakat is the annual obligatory charity, one of the five pillars of Islam. Every sane, adult Muslim whose net zakatable wealth crosses the nisab threshold and stays there for a lunar year (hawl) pays 2.5 percent of that wealth to the categories of recipients described in Surah At-Tawbah, verse 60.
No. It's 2.5% of your net zakatable wealth only. Your primary home, personal-use car, and similar everyday possessions aren't zakatable. And you deduct short-term debts before applying the 2.5%.
Silver nisab is much lower in value today and triggers zakat at a lower wealth level, which means more people pay, and more people benefit. Most contemporary scholarly bodies (NZF, Zaytuna, AMJA, Bradford Council) recommend silver nisab for exactly this reason. You can switch in the calculator above and see the difference.
Yes. Crypto is treated as a financial asset held for investment, same as stocks. Use its market value on your zakat anniversary date.
Contested. Some scholars say only the portion you could access (after penalties or taxes if applicable) counts. Others say zero until you receive it. Barakah's calculator lets you include or exclude retirement accounts. If you do include them, most prefer valuing them at the liquidation-today amount net of fees.
No. The contemporary scholarly position (AMJA, NZF, Bradford) is that only the current year's scheduled mortgage payments reduce your zakatable wealth, not the entire outstanding balance. Otherwise most mortgage-holders would never pay zakat at all.
On the anniversary (hawl) of the date your net zakatable wealth first crossed the nisab threshold. Many people anchor this to Ramadan for simplicity, which is fine as long as you're consistent year to year.
The eight categories in Qur'an 9:60: the poor, the needy, those employed to collect zakat, those whose hearts are to be reconciled, slaves being freed, debtors, in the path of Allah, and stranded travellers. Trusted local and international charities distribute accordingly.
Sign in and Barakah tracks your assets, liabilities, and hawl anniversary year-round. Next year the calculation is already waiting for you when the anniversary comes around.