Zakat Calculator in Rupees for India
Use our 2026 Zakat Calculator to easily calculate your zakat based on gold, silver, cash, and savings. Updated with current Nisab values for India.🕌 Complete Guide to Zakat – Meaning, Calculation, Nisab, and Rulings
Table of Contents
What is Zakat in Islam?
Zakat is a mandatory alms duty where you give 2.5% of eligible wealth to defined beneficiaries. Zakat purifies wealth, regulates redistribution, and strengthens social protection networks.
Zakat forms one of the Five Pillars of Islam. The Qur’an establishes zakat as a compulsory act in 2:110 and 9:103.
What does the word “Zakat” mean?
The word “Zakat” means purification and growth. The act removes impurities from wealth and increases social welfare through structured redistribution.
Why is Zakat considered a pillar?
Zakat is a pillar because Islam mandates it for all eligible Muslims with wealth above the nisab for one lunar year. The duty enforces accountability, prevents hoarding, and protects vulnerable groups.
Who Must Pay Zakat in 2025?
Zakat is obligatory for adult Muslims who own wealth above the nisab for one complete lunar year. The ruling applies to mentally sound and financially independent individuals.
Which conditions trigger zakat?
Three criteria trigger zakat:
- You are an adult Muslim.
- You own wealth above the nisab threshold.
- Your wealth remains above nisab for one lunar year (Hawl).
Does gender affect zakat duty?
No. Male and female Muslims owe zakat equally when wealth meets nisab.
You now see which assets the rulings apply to.
Which Assets Are Subject to Zakat?
Zakat applies to wealth that grows, trades, or stores value. You calculate zakat on assets that show liquidity or commercial potential.
What items fall under zakatable wealth?
Key zakatable assets include:
- Gold and silver
- Cash and bank deposits
- Business inventory
- Investments, shares, mutual funds, REITs
- Agricultural produce
- Livestock (camels, cattle, sheep, goats)
- Rental income savings
- Digital savings (wallet balances)
Why does Islam classify these as zakatable?
Islam classifies them as zakatable because they create monetary growth or liquidity and show measurable asset value. Zakat enforces circulation within the economy.
Which Assets Are Exempt from Zakat?
Islam exempts personal-use items that do not generate income or trade value.
What items require no zakat?
You pay no zakat on:
- Primary residence
- Personal vehicles
- Clothes, utensils, furniture
- Tools for daily use
- Non-productive personal items
What Is Nisab in Zakat?
Nisab represents the minimum wealth threshold that activates zakat. You owe zakat when total zakatable wealth equals or exceeds the nisab for one lunar year.
What is the gold nisab?
Gold nisab = 85 grams of gold.
What is the silver nisab?
Silver nisab = 595 grams of silver.
Which nisab should you use for cash?
You use the lower of the two values—usually the silver nisab—because it allows more people to contribute and increases social support.
Indicative 2025 India values (example)
| Nisab Type | Weight | 2025 Approx Value (INR) |
|---|---|---|
| Gold | 85 g | Market-dependent |
| Silver | 595 g | Market-dependent |
How Do You Calculate Zakat in 2025?
You calculate zakat by subtracting valid debts from total zakatable assets and applying 2.5%.
What is the zakat calculation formula?
(Total Assets – Debts) × 2.5% = Zakat Due
Example calculation
- Total assets: ₹5,00,000
- Debts: ₹1,00,000
- Net assets: ₹4,00,000
- Zakat: ₹10,000
Who Can Receive Zakat?
Zakat distributes wealth to eight Qur’anic categories defined in Surah At-Tawbah 9:60.
Which groups qualify for zakat?
Eligible recipients include:
- Poor
- Needy
- Zakat administrators
- Individuals softened toward Islam
- Captives
- Debtors
- Those in the path of Allah
- Stranded travelers
When Should You Pay Zakat?
You pay zakat after holding zakatable wealth above nisab for one full lunar year.
When is the best time to pay?
You may pay anytime, though many Muslims prefer Ramadan due to increased reward. You may also pre-pay monthly instalments.
What Are Authentic Quran and Hadith References for Zakat?
Islamic texts state zakat as a core obligation with social and spiritual outcomes.
Which Qur’anic verses mention zakat?
- Qur’an 2:43
- Qur’an 2:110
- Qur’an 9:103
Which hadiths describe zakat?
- Five Pillars Hadith (Bukhari, Muslim)
- Hadith 1403 (Bukhari): describes accountability for unpaid zakat
Zakat FAQs
How do you calculate your zakat?
You add gold, silver, cash, savings, business goods, and investments; subtract debts; and pay 2.5% if above nisab.
How much zakat on ₹10,000?
₹10,000 × 2.5% = ₹250.
How much zakat on 1 kg gold?
1,000 g × (gold price) → For ₹6,300/g = ₹63,00,000 → Zakat = ₹1,57,500.
Is zakat taken from salary?
No. Zakat applies to savings accumulated from salary, not the salary itself.
How much is 1 tola in grams?
1 tola = 11.66 grams.
How much zakat on ₹20 lakh?
₹20,00,000 × 2.5% = ₹50,000.
Can you pay zakat monthly?
Yes. Monthly instalments are permitted.
How much zakat on ₹1 lakh?
₹1,00,000 × 2.5% = ₹2,500.
Who cannot receive zakat?
Parents, children, spouse, wealthy individuals, and non-Muslims.
What is zakat in India for 2025?
You pay 2.5% of savings above the nisab determined by India’s gold or silver price.
How much zakat on 7 tola gold?
7 tola = 81.62 g → 81.62 × ₹6,300 ≈ ₹5,14,200 → Zakat ≈ ₹12,855.
How do you calculate 2.5% of 100?
100 × 2.5% = 2.5.
What are common zakat errors?
- Ignoring business inventory
- Using outdated nisab values
- Forgetting debts
- Paying on income instead of savings
How much zakat per ₹1000?
₹1000 × 2.5% = ₹25.
How much zakat on 10 grams gold?
10 g × ₹6,300 = ₹63,000 → Zakat = ₹1,575.
What is the minimum amount for zakat?
Equivalent to 85 g gold or 595 g silver.
Is zakat 10%?
No. Zakat on wealth is 2.5%. Ushr on certain crops uses 5–10%.
How Does Zakat Apply to Livestock?
Livestock zakat applies when animals graze freely and meet minimum counts.
What are livestock thresholds?
- 40 goats → 1 goat
- 30 cows → 1 one-year-old calf
- 5 camels → 1 sheep
Zakat Calculation Chart (2025 Reference) (IQQI)
| Wealth Type | Nisab Requirement | Zakat Rate |
|---|---|---|
| Gold | 85 g | 2.5% |
| Silver | 595 g | 2.5% |
| Cash/Savings | Above nisab | 2.5% |
| Business Goods | Above nisab | 2.5% |
| Agricultural Crops | Crop-specific | 5–10% |
| Livestock | Threshold counts | 2.5% |
Why Zakat Matters in 2025
Zakat strengthens community welfare by transferring wealth to defined beneficiaries at a fixed rate. The duty creates measurable financial purification and direct social impact. You can compute your zakat accurately using current gold and silver prices.