Zakat Calculator India
Calculate your Zakat accurately according to Islamic principles
Nisab Threshold
Zakat is due when your wealth exceeds the nisab value (equivalent to 85g of gold)
Assets
Enter the value of your zakatable assets
Liabilities
Enter your debts and immediate expenses
Zakat Calculation
Total Assets
0 ₹
Total Liabilities
0 ₹
Net Zakatable Assets
0 ₹
Nisab Threshold
836,119.50 ₹
Status
Below Nisab
Zakat Guide
Learn about Zakat, its importance, and how to calculate it correctly
Zakat is one of the Five Pillars of Islam. It is a form of obligatory charity that has a specific calculation method and is distributed to specific categories of people.
The word Zakat means “purification” and “growth.” By giving Zakat, Muslims purify their wealth and gain spiritual growth.
Zakat is obligatory on every Muslim who:
- Is an adult of sound mind
- Is free (not a slave)
- Possesses wealth above the nisab threshold
- Has owned this wealth for a complete lunar year (Hawl)
Zakatable assets include:
- Cash and bank balances
- Gold and silver (including jewelry)
- Stocks and investments
- Business inventory and merchandise
- Agricultural produce (different rates apply)
- Livestock (different rates apply)
- Rental income and property for trade
Personal assets like your primary residence, vehicles for personal use, and personal items are not subject to Zakat.
The standard rate for Zakat is 2.5% of your net zakatable assets that have been in your possession for a full lunar year.
Basic formula:
Zakat = (Total Zakatable Assets – Liabilities) × 2.5%
Different rates may apply for agricultural produce, minerals, and livestock.
The Quran (9:60) specifies eight categories of people who are eligible to receive Zakat:
- The poor (Al-Fuqara)
- The needy (Al-Masakin)
- Zakat administrators
- Those whose hearts are to be reconciled
- Those in bondage (captives and slaves)
- Those in debt
- In the cause of Allah (Fi Sabilillah)
- The wayfarer (travelers in need)
Zakat becomes due after a Muslim has possessed wealth above the nisab for one full lunar year (Hawl).
Many Muslims choose to pay their Zakat during Ramadan as good deeds are multiplied in reward during this month.
It’s important to keep track of your Zakat anniversary (when you first became eligible) to ensure timely payment.
In India, Muslims can pay Zakat through various channels:
- Local mosques and Islamic centers
- Registered Zakat foundations and charitable trusts
- Direct distribution to eligible recipients in your community
- Islamic educational institutions (madrasas)
When paying Zakat in India, ensure that the organization is registered and trustworthy. Many organizations provide 80G tax exemption certificates which can be used for income tax deductions.
Current gold rates in Kolhapur:
| Gold Type | Per Gram | 10 Grams | 100 Grams |
|---|---|---|---|
| 24 Carat | ₹9,836.70 | ₹98,367.00 | ₹9,83,670.00 |
| 22 Carat | ₹9,078.79 | ₹90,787.86 | ₹9,07,878.60 |
These rates are used in the calculator to determine the nisab threshold. For Zakat calculation purposes, the 24 Carat gold price is typically used as the standard.
Understanding Zakat Calculation: Your Complete Guide
Zakat, the third pillar of Islam, represents a fundamental act of worship through wealth purification. As Muslims, we are obligated to calculate and distribute 2.5% of our eligible wealth annually, but determining the correct amount can sometimes feel overwhelming. Our comprehensive Zakat calculator simplifies this sacred duty, ensuring accurate calculations aligned with Islamic principles.
What Assets Are Subject to Zakat?
Before calculating your Zakat, it’s essential to understand which assets are eligible:
- Gold and silver (including jewelry and precious metals)
- Cash holdings (both physical and digital)
- Bank account balances
- Investment portfolios
- Business inventory and profits
- Rental property income
- Cryptocurrency holdings
- Retirement accounts (conditions apply)
Understanding Nisab Threshold
The Nisab threshold, equivalent to 87.48 grams of gold or 612.36 grams of silver, determines your Zakat obligation. Zakat becomes mandatory if your eligible assets exceed this threshold and have been in your possession for one lunar year (Hawl).
Benefits of Digital Zakat Calculation
Using our online Zakat calculator offers several advantages:
- Real-time calculation updates
- Comprehensive asset categories
- Current gold and silver rates
- Mobile-friendly interface
- Downloadable calculation records
- Automatic Nisab threshold checking
- Multi-currency support
Ensuring Accurate Zakat Distribution
Remember, Zakat must be distributed to eligible recipients within your local community or through authorized charitable organizations. Our calculator helps you determine the exact amount, but it is recommended that you consult with Islamic scholars for specific situations.
By using digital tools for Zakat calculation, you ensure accuracy while fulfilling this vital Islamic obligation. Whether you’re calculating Zakat on investments, precious metals, or business assets, our calculator provides precise figures aligned with Shariah requirements.
The Divine Obligation of Zakat
Purification of Wealth Through Charitable Giving
The Power of Your Zakat
Every dirham, rupee, or dollar you give in Zakat can change someone’s life. Picture a hungry child smiling as they eat a full meal for the first time in days. Think of the relief on a widow’s face when she can buy medicine for her sick child. Imagine the excitement of a student who can stay in school because of your kindness. Zakat isn’t just something we have to pay—it’s a gift of hope. When we give, we don’t lose our money; we cleanse it, grow it, and earn rewards that last forever. By sharing our wealth, we become the hands through which Allah ﷻ supports those in need. There’s no greater honor than being part of someone’s success story. Your Zakat today plants seeds of happiness, health, and education that will blossom for years to come. Let’s make a difference—one gift at a time!
Quranic References
Divine Commands Regarding Zakat
“And establish prayer and give zakah and bow with those who bow [in worship and obedience].”
“Take from their wealth a charity by which you purify and sanctify them.”
“And those within whose wealth is a known right for the petitioner and the deprived.”
Prophetic Teachings
Authentic Hadiths on Zakat
The Prophet ﷺ said: “Islam is built upon five pillars: testifying that there is no god except Allah and that Muhammad is the Messenger of Allah, establishing the prayers, giving Zakat, making the pilgrimage to the House, and fasting in Ramadan.”
– Reported by Ibn Umar (RA)
The Prophet ﷺ said: “When you pay the Zakat on your wealth, you have fulfilled what is required of you.”
– Reported by Abu Hurairah (RA)
The Prophet ﷺ said: “Protect your wealth by giving Zakat, treat your sick through charity, and prepare for affliction through supplication.”
– Reported by Abu Bakr As-Siddiq (RA)
Eight Categories of Zakat Recipients
As mentioned in Surah At-Tawbah, Verse 60
1. Al-Fuqara (The Poor)
Those who lack basic necessities and fall below the poverty line
2. Al-Masakin (The Needy)
Those who have some means but cannot meet all basic needs
3. Al-Amilin (Zakat Collectors)
Those appointed to collect and distribute Zakat
4. Al-Mu’allafat Qulubuhum
Those whose hearts are to be reconciled
5. Ar-Riqab (Freeing of Slaves)
For freeing those in bondage or captivity
6. Al-Gharimin (Those in Debt)
Those burdened with legitimate debts
7. Fi Sabilillah (In Allah’s Cause)
Those striving in the cause of Allah
8. Ibn As-Sabil (Wayfarers)
Travelers who are stranded or in need
Who Cannot Receive Zakat
- • Non-Muslims (according to majority opinion)
- • Wealthy individuals
- • One’s parents, grandparents, children, or spouse
- • Descendants of Prophet Muhammad ﷺ (Banu Hashim)
- • Those capable of earning but refuse to work
- • Organizations not distributing directly to eligible recipients
A Moment of Reflection
Every night, millions of people go to bed hungry. Kids dream of going to school but can’t afford books. Families worry about doctor bills they can’t pay. Your Zakat can be their hope, their answered prayer, and their chance at a better life. Think of your money as a trust from Allah ﷻ. When you give Zakat, you follow His command and help people in real need. Don’t wait—every minute you delay, someone keeps suffering. Your Zakat today could be someone’s miracle tomorrow.
Allah ﷻ promises that giving charity won’t make your wealth shrink. Instead, it cleanses your money, brings blessings, and makes it grow in ways you can’t imagine. Be the reason someone smiles, learns, and heals. Give your Zakat now and watch Allah’s mercy multiply your good deeds!
Essential Zakat Reference Charts
Nisab Thresholds Chart
Minimum wealth requirements for Zakat obligation
| Asset Type | Nisab Amount | Zakat Rate | Notes |
|---|---|---|---|
| Gold | 87.48 grams | 2.5% | Based on 24K pure gold |
| Silver | 612.36 grams | 2.5% | Based on pure silver |
| Cash & Savings | Equivalent to gold/silver nisab | 2.5% | Use lower of gold/silver value |
Zakat Rates by Asset Type
Different categories of wealth and their Zakat rates
| Category | Rate | Conditions | Examples |
|---|---|---|---|
| Monetary Assets | 2.5% | Held for 1 lunar year | Cash, bank deposits, bonds |
| Trade Goods | 2.5% | Market value | Inventory, stocks |
| Agricultural Produce | 5-10% | At harvest | Crops, fruits |
| Minerals & Treasure | 20% | When extracted | Mining output, found treasure |
Zakat-Exempt Assets
Assets that are not subject to Zakat
| Asset Type | Explanation | Examples |
|---|---|---|
| Personal Use Items | Items for daily use | Clothes, furniture, personal vehicle |
| Primary Residence | Main living space | House, apartment |
| Tools of Trade | Work equipment | Machinery, professional equipment |
Zakat Distribution Priority Chart
Recipients ranked by priority
| Priority Level | Recipient Category | Description |
|---|---|---|
| Highest | Al-Fuqara (Poor) | Those who fall below poverty line |
| High | Al-Masakin (Needy) | Those in financial hardship |
| Medium | Al-Gharimin (Debtors) | Those in debt for legitimate needs |
| Variable | Fi Sabilillah (Allah’s Cause) | Islamic education, dawah activities |
Quick Reference Calculation Table
Common calculations for reference
| Amount | Zakat (2.5%) | Monthly Division |
|---|---|---|
| ₹1,00,000 | ₹2,500 | ₹208.33 |
| ₹5,00,000 | ₹12,500 | ₹1,041.67 |
| ₹10,00,000 | ₹25,000 | ₹2,083.33 |
Important Notes:
- • All calculations should be based on current market values
- • Lunar year (Hijri) should be used for calculating Hawl
- • Consult local scholars for specific rulings
- • Regular updating of calculations recommended
Comprehensive Zakat Calculator & Guide
Your complete resource for accurate Zakat calculations and guidelines
Common Zakat Calculation Examples
Practical examples for different wealth types
Cash & Savings Example
Given:
- Cash in hand: ₹50,000
- Bank balance: ₹1,50,000
- Fixed deposits: ₹3,00,000
Calculation:
Total = ₹5,00,000
Zakat = ₹5,00,000 × 2.5%
Payable = ₹12,500
Gold & Silver Example
Given:
- Gold: 50g (₹3,00,000)
- Silver: 200g (₹15,000)
Calculation:
Total value = ₹3,15,000
Zakat = ₹3,15,000 × 2.5%
Payable = ₹7,875
Business Assets Example
Given:
- Inventory: ₹10,00,000
- Receivables: ₹5,00,000
- Business cash: ₹2,00,000
- Less: Liabilities: (₹3,00,000)
Calculation:
Net assets = ₹14,00,000
Zakat = ₹14,00,000 × 2.5%
Payable = ₹35,000
Monthly Payment Breakdown
For those who prefer to pay Zakat in installments
| Total Wealth | Annual Zakat | Monthly | Quarterly | Bi-annual |
|---|---|---|---|---|
| ₹5,00,000 | ₹12,500 | ₹1,042 | ₹3,125 | ₹6,250 |
| ₹10,00,000 | ₹25,000 | ₹2,083 | ₹6,250 | ₹12,500 |
| ₹25,00,000 | ₹62,500 | ₹5,208 | ₹15,625 | ₹31,250 |
| ₹50,00,000 | ₹1,25,000 | ₹10,417 | ₹31,250 | ₹62,500 |
Zakatable Assets
- 2.5% Gold & Silver Jewelry
- 2.5% Cash & Bank Balances
- 2.5% Investments & Shares
- 5-10% Agricultural Produce
Non-Zakatable Assets
- Exempt Primary Residence
- Exempt Personal Vehicle
- Exempt Household Items
- Exempt Tools of Trade
Calculation Tips & Guidelines
Important Reminders
- • Always use current market values for assets
- • Calculate based on lunar year (Hijri calendar)
- • Deduct genuine business liabilities
- • Include all qualifying assets owned for full year
Do Include:
- ✓ Savings accounts
- ✓ Investment accounts
- ✓ Rental income
- ✓ Business inventory
Don’t Include:
- ✗ Personal items
- ✗ Primary residence
- ✗ Vehicle for personal use
- ✗ Outstanding loans
Complete Zakat FAQ Guide
Basic Zakat Calculations
| How do I calculate my Zakat? |
1. Total Assets = Gold + Silver + Cash + Investments + Business Assets
2. Check if Total > Nisab (87.48g gold value) 3. Calculate: Total × 2.5% = Zakat Due |
| Is Zakat always 2.5 percent? |
• Regular wealth: 2.5% • Agricultural produce: 5-10% • Mining/treasure: 20% • Business profits: 2.5% |
| How is Zakat calculated with example? |
Example Calculation:
• Savings: ₹1,00,000 • Gold: ₹50,000 • Investments: ₹1,50,000 Total: ₹3,00,000 Zakat = ₹3,00,000 × 2.5% = ₹7,500 |
Gold and Currency Calculations
| How much Zakat on 9 tola gold? |
1. 1 tola = 11.664 grams
2. 9 tola = 104.976 grams 3. Multiply by current gold rate 4. Calculate 2.5% of total value |
| How do you calculate Zakat on rupees? |
Example for ₹1,00,000:
1. Check if amount > Nisab 2. If yes: ₹1,00,000 × 2.5% = ₹2,500 |
Eligibility and Recipients
| Who are the 8 recipients of Zakat? |
1. The poor (Al-Fuqara) 2. The needy (Al-Masakin) 3. Zakat collectors 4. Those whose hearts are to be reconciled 5. Freeing of slaves 6. Those in debt 7. In Allah’s cause 8. Wayfarers |
| Who Cannot receive Zakat? |
• Wealthy people • Non-Muslims (majority opinion) • One’s dependents • Descendants of Prophet Muhammad ﷺ • One’s parents or children |
Special Cases and Conditions
| Can I pay Zakat monthly? |
Yes, you can divide annual Zakat by 12, but remember: • Full amount must be paid within lunar year • Keep track of payment schedule • Better to pay in full when due |
| What is Nisab threshold? |
Nisab equals value of:
• 87.48 grams of gold, OR • 612.36 grams of silver (Use lower value) |
| How to calculate Zakat on clothes? |
• Personal clothes: No Zakat • Business inventory: 2.5% of value • Trading stock: 2.5% of market value |
Three Core Conditions of Zakat
| What are the three conditions of Zakat? |
1. Nisab (Minimum Threshold): • Must exceed value of 87.48g gold 2. Hawl (Time Period): • Must own wealth for one lunar year 3. Growth Potential: • Assets must have growth potential |
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