Zakat al-Maal Calculator (Savings, Gold, Silver & Nisab)
Accurately calculate your annual Islamic Zakat al-Maal (2.5%) on savings, gold, liquid cash, and investments based on the official Nisab threshold (85g Gold or 595g Silver).
All liquid bank deposits and physical cash owned
Excluding moderate personal jewelry according to majority scholars
Liquid value or trading portfolio market value
Current wholesale or retail market value on calculation date
Funds you are confident will be repaid in the near term
Overdue personal loans or immediate monthly debt installments
Unpaid rent, utilities, and invoices due on calculation date
Ventilation de votre assiette nette
How to Calculate Zakat al-Maal in 2026: Nisab Rules, Assets & Hawl
Zakat al-Maal is the third pillar of Islam, an obligatory annual purification contribution of 2.5% (one fortieth) levied upon surplus accumulated wealth. Two fundamental prerequisites govern its obligation: surpassing the minimum exemption threshold termed the Nisab (the cash equivalent of 85 grams of 24K pure gold or 595 grams of pure silver) and possessing this qualifying wealth continuously throughout a full lunar year (the Hawl, approximately 354 days).
Why Choose the BenTools Zakat al-Maal Calculator?
1. Customizable Gold & Silver Live Prices
Easily adjust the price per gram for 24K gold and silver to instantly derive the exact Nisab threshold in any world currency.
2. Comprehensive Multi-Asset Breakdown
Separate inputs for bank deposits, gold jewelry, stocks, business goods, and transparent deduction of immediate liabilities.
3. Instant Diagnostic & Shariah Guidance
Automatic check against the Nisab with immediate display of the 2.5% payable amount to distribute to rightful beneficiaries.
Comprehensive Guide to Zakatable vs. Exempt Assets
Catégories d'avoirs, soumission à la Zakat, méthode d'évaluation et taux légal
| Asset Category | Zakatable? | Valuation Rule | Statutory Rate |
|---|---|---|---|
| Cash & Savings Accounts | Yes | Total net balance on Hawl completion date | 2.5% |
| Gold & Silver (bars, coins, investment) | Yes | Weight in grams × market spot rate | 2.5% |
| Stocks & Shares | Yes | Full market value (trading) or liquid ratio (long term) | 2.5% |
| Business Merchandise & Trade Goods | Yes | Current selling market value on valuation day | 2.5% |
| Primary Residence & Personal Vehicle | No (Exempt) | Assets designated for family daily living needs | 0% |
Frequently Asked Questions (FAQ) on Zakat al-Maal & Nisab
What is the Hawl rule and how is it calculated?
The Hawl is one full Islamic lunar year (354 days). Zakat is only due if your net savings remain equal to or above the Nisab threshold continuously from the start to the end of that lunar cycle.
Should I use the Gold or Silver Nisab benchmark?
Most contemporary Islamic scholars recommend the Gold Nisab (85 grams) for paper currency, as it reflects realistic modern wealth. However, the Silver Nisab (595 grams) is lower and provides more assistance to the poor.
Do I have to pay Zakat on my primary home, car, or personal furniture?
No. Personal assets for daily living (primary residence, daily commute vehicle, household furniture, clothing, and professional tools) are strictly exempt from Zakat al-Maal.
How do I calculate Zakat on stocks and investment portfolios?
For short-term trading stocks, pay 2.5% on full market value. For long-term dividend holdings, pay 2.5% only on the company's liquid and current assets (typically estimated between 20% to 30% of share value).
About the BenTools Zakat al-Maal Calculator
Automated calculation optimization & decision support
Automated optimization: Smart financial flow and real-cost simulation, dynamic forward-looking amortization schedules and net yield models, with continuous alignment to benchmark thresholds (real-time gold/silver Nisab rates and FX feeds).
Moroccan Dirham (MAD), Euro (EUR), US Dollar (USD) & official benchmarks
Comprehensive support for flagship currencies and benchmarks: Moroccan Dirham (MAD), Euro (EUR), and US Dollar (USD). For Zakat al-Maal, the Nisab threshold is dynamically assessed using official gold (85g) and silver (595g) benchmark values in local currencies. For lunar date calculations, algorithms include moon-sighting calibrations across North Africa and the Middle East.