Zakat Calculator: How to Calculate Your Zakat in 2026
A plain-language walkthrough — not a religious ruling, just the mechanics of the calculation.
What Zakat is, briefly
Zakat is an obligatory annual payment of 2.5% on qualifying wealth held above a minimum threshold, once that wealth has been held for a full lunar year. It applies to cash, savings, gold, silver, and certain investments — not to your home, car, or daily-use items.
The Nisab threshold
Nisab is the minimum amount of wealth you must hold before Zakat becomes due. It's commonly set using one of two standards: the value of 87.48 grams of gold, or the value of 612.36 grams of silver. Because silver's price per gram is lower, the silver standard usually results in a lower Nisab threshold — which is why many scholars recommend it specifically for cash and savings, since it means more people qualify to give and more reaches those in need.
The calculation, step by step
- Add up your zakatable wealth: cash on hand, bank savings, and qualifying investments.
- Subtract any short-term debts you owe.
- Compare the result to the current Nisab value (gold or silver standard, using today's price).
- If your net wealth is at or above Nisab, multiply it by 2.5% — that's your Zakat due.
A worked example
Say your net zakatable wealth is Rs 500,000, and today's silver Nisab threshold works out to roughly Rs 95,000. Since your wealth is above that threshold, Zakat is due: 2.5% of Rs 500,000 is Rs 12,500.
Where this gets more specific
Business inventory, agricultural produce, and jointly-owned assets each have their own rules that a simple calculator can't fully capture. For anything beyond straightforward cash and savings, it's worth confirming the details with a qualified local scholar.
Calculate yours
Khata's dashboard includes a Zakat calculator in Islamic mode — enter your figures once and it handles the Nisab comparison and the 2.5% calculation for you.