Zakat Calculator UK (2026): Calculate Your Zakat Accurately

Updated March 2026. Nisab threshold calculated from live gold/silver prices.

Zakat Calculator

Enter your assets and liabilities below to calculate your Zakat obligation for this lunar year. The calculator uses the gold standard Nisab (87.48g of gold) and the silver standard Nisab (612.36g of silver) — you can choose which to apply.

What is Zakat?

Zakat is one of the five pillars of Islam — an obligatory annual payment of 2.5% of qualifying wealth given to those in need. It's not charity in the discretionary sense; it's a duty for every Muslim whose wealth exceeds the Nisab threshold for one full lunar year.

The word Zakat comes from the Arabic root meaning "purification" and "growth." By giving Zakat, a Muslim purifies their remaining wealth and ensures it circulates within the community.

Who Must Pay Zakat?

Zakat is obligatory for every adult Muslim who:

• Owns wealth above the Nisab threshold
• Has held that wealth for one complete lunar year (hawl)
• Is of sound mind

There is no minimum age specified in many schools of thought — if a child's wealth exceeds Nisab, their guardian should pay on their behalf (Hanafi school differs on this point).

What Assets Are Zakatable?

Included in Zakat:

• Cash — in hand, bank accounts, savings
• Gold and silver — jewellery worn or stored (full guide on Zakat on gold)
• Stocks and shares — market value at Zakat date
• Business inventory — stock held for sale
• Rental income — receivable amounts
• Cryptocurrency — valued at Zakat date
• Debts owed to you — if you expect repayment
• ISAs and premium bonds

Excluded from Zakat:

• Your primary home
• Personal car and transport
• Household furniture and items
• Tools of your trade
• Employer pension contributions (only voluntary amounts are zakatable)

The Nisab Threshold Explained

The Nisab is the minimum wealth threshold. If your net zakatable assets (assets minus liabilities) are below this, Zakat is not due.

There are two standards:

The Nisab threshold for 2026 is updated regularly based on commodity prices.

How to Calculate Your Zakat: Step by Step

1. List all zakatable assets — cash, gold, investments, etc.
2. Value each asset — use market value on your Zakat date
3. Total your assets
4. Subtract liabilities — debts, bills due
5. Check against Nisab — if net assets ≥ Nisab, Zakat is due
6. Calculate 2.5% — this is your Zakat amount

When to Pay Zakat

Zakat is due after one lunar year (hawl) from the date your wealth first exceeded the Nisab. Many Muslims choose to pay during Ramadan for the multiplied reward, but it can be paid at any time once due.

You can pay Zakat in advance if you anticipate your wealth will remain above Nisab.

Who Can Receive Zakat?

The Quran specifies eight categories of Zakat recipients in Surah At-Tawbah (9:60):

1. Al-Fuqara — the poor
2. Al-Masakin — the needy
3. Zakat administrators — those who collect and distribute
4. Those whose hearts are to be reconciled — new Muslims or allies
5. Freeing captives
6. Debtors — those unable to pay their debts
7. In the cause of Allah
8. Wayfarers — stranded travellers

Zakat vs Sadaqah: What's the Difference?

A common question. Read our full comparison, but in brief:

• Zakat — obligatory, 2.5% of qualifying wealth, specific recipients
• Sadaqah — voluntary, any amount, any recipient, any time
• Sadaqah Jariyah — ongoing charity whose reward continues (e.g. building a well)

Frequently Asked Questions

Do I pay Zakat on my house?

No. Your primary residence is exempt. However, if you own a second property held as investment, the rental income is zakatable, and if the property is held for resale, the current market value is zakatable.

Do I pay Zakat on my pension?

Employer contributions and growth are generally not zakatable until you access them. Voluntary additional contributions may be zakatable. Consult a scholar for your specific situation.

Can I pay Zakat in instalments?

Yes. Many scholars permit paying Zakat in monthly instalments, especially if your annual amount is large. The key is that the full amount is paid before the next Zakat year.

Is Zakat due on gold jewellery I wear?

This depends on the school of thought. The Hanafi school says yes — all gold is zakatable regardless of use. The Shafi'i, Maliki, and Hanbali schools generally exempt jewellery worn regularly. Read our detailed guide on Zakat on gold.