Zakat calculator for United States
Calculate your zakat in US dollars, with notes on 401(k)s, HSAs, US stocks, and where to give domestically.
Open the calculator
The same five-minute interactive zakat calculator, with USD as the default currency. Enter your wealth, see the zakat amount.
Zakat is 2.5% of qualifying wealth held for one full lunar year (hawl). For US Muslims this typically falls due once per Islamic year — many fix it to a memorable date like the first day of Ramadan.
The US nisab
Calculated against the silver price (612.36 grams) it runs roughly $500-$600 USD depending on the silver spot. Most US-based scholars and zakat organisations use the silver nisab as the lower threshold. If your wealth has been above this for one lunar year, you owe 2.5%.
What's zakatable
Cash in checking, savings, money market, and CD accounts. Gold and silver. Business inventory. Brokerage holdings (the zakatable portion depends on whether you hold the shares as a long-term investment or actively trade — the calculator handles both cases). Cryptocurrency at current market value. Money owed to you that you reasonably expect back.
401(k) and IRA
Money you can withdraw without restriction (typically after age 59.5) is zakatable in full. Money locked behind early-withdrawal penalties is zakatable on the amount you would receive after penalty and taxes — i.e. the amount that's effectively in your control. Some scholars hold the entire balance is zakatable regardless of access; the calculator notes both positions.
HSAs and 529 plans
Health Savings Accounts and 529 college-savings accounts hold money you can access (with penalty for non-qualified use), so the same rule applies as for IRAs: zakatable on the after-penalty amount.
US-specific exclusions
Your primary residence, your personal vehicle, household furniture and electronics, retirement-account balances you cannot yet withdraw, and any debt you currently owe.
Where to give in United States
These are well-known United States charities that collect and distribute zakat. We name them so you can verify them; we don't endorse one over another — check each one's audited accounts and current projects before giving.
Zakat Foundation of America
Visit site →501(c)(3), audited, distributes domestically and globally.
Islamic Relief USA
Visit site →Large US-registered Muslim charity, transparent zakat policy.
Helping Hand for Relief and Development
Visit site →US-based, runs domestic food banks and global relief.