Zakat calculator for United Kingdom

Zakat is the third pillar of Islam: 2.5% of qualifying wealth held for one lunar year (hawl), paid annually to the eligible recipients listed in Surah at-Tawbah (9:60).

The UK nisab

The nisab threshold in the UK is currently calculated against the silver price (612.36 grams), which works out to approximately £400-£500 depending on the silver spot at the time you calculate. Most UK scholars (including those at HMRC-recognised charities like Islamic Relief and Muslim Hands) use the silver nisab because it is the lower threshold and so brings more people under the zakat obligation.

If you hold wealth equal to or above the nisab for one full lunar year (354 days), you owe 2.5% on the total.

What's zakatable for UK residents

Cash in current and savings accounts (including premium bonds), gold and silver, business inventory, stocks and shares (the zakatable portion depends on intent and is detailed in the calculator), money owed to you that you reasonably expect back, and the cash value of any halal investment funds.

What's not zakatable

Your primary residence, the car you drive personally, household possessions (clothing, furniture, electronics), the workplace pension you can't yet access (pensions become zakatable when you can withdraw them), and any debt you currently owe.

ISAs and pensions

Stocks-and-shares ISAs are zakatable on the same basis as direct equities. Cash ISAs are treated like a savings account. Workplace pensions and SIPPs only become zakatable from the age you can access them (currently 55, rising to 57 in 2028). Before that age the money is locked away and not yet 'in your possession' for zakat purposes.

Help to Buy and Lifetime ISAs

If you are saving toward a first home and the funds are locked into a Lifetime ISA or Help to Buy ISA, most contemporary UK scholars hold that they remain zakatable each year because you have the right to withdraw (with penalty). Pay zakat on the amount that would be available to you after the withdrawal penalty.