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Zakat Calculator

زكاة — طهّروا أموالكم

Purify Your Wealth — Accurate calculations with live gold & silver rates for Indian Muslims

🥇 IBJA Gold 24K
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22K Gold
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18K Gold
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🥈 MCX Silver
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Per gram · Updated twice daily (weekdays) · —
📅 Weekend — showing rates from the last working day

Calculate Your Zakat

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Gold Assets

Nisab: 85 grams
Value: ₹0
Value: ₹0
Value: ₹0
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Silver Assets

Nisab: 595 grams
Value: ₹0
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Cash & Other Assets

Nisab: ₹0 (Value of 595g Silver)
⚠️ Enter your assets above to check Nisab status
Gold ₹0 → Zakat: ₹0
Silver ₹0 → Zakat: ₹0
Cash & Assets ₹0 → Zakat: ₹0
Total Wealth ₹0
Total Zakat Due ₹0

Islamic Foundation

Quran
"And establish prayer and give zakah and bow with those who bow [in worship and obedience]."
— Surah Al-Baqarah 2:43
Quran
"Take from their wealth a charity by which you purify them and cause them increase, and invoke [Allah's blessings] upon them."
— Surah At-Tawbah 9:103
Hadith
"There is no Zakat on less than five awsuq of dates, nor on less than five camels, nor on less than five awaq of silver [200 dirhams ≈ 595g silver]."
— Sahih al-Bukhari 1405 · Sahih Muslim 979 (Nisab: Gold 85g / Silver 595g)
Hadith
"No zakat is payable on property until a year passes away on it."
— Sunan Abi Dawud 1573 · Sahih (Al-Albani)
Hadith
"For silver the Zakat is one-fortieth of the lot (i.e. 2.5%)."
— Sahih al-Bukhari 1454
Hadith
A woman came to the Messenger of Allah (ﷺ) and she was accompanied by her daughter who wore two heavy gold bangles in her hands. He said to her: "Do you pay zakat on them?" She said: "No." He then said: "Are you pleased that Allah may put two bangles of fire on your hands?"
— Sunan Abi Dawud 1563 · Hasan (Al-Albani)
Hadith
"The Apostle of Allah (ﷺ) entered upon me and saw two silver rings in my hand. He asked: 'What is this, A'ishah?' I said: 'I have made two ornaments myself for you, Messenger of Allah (ﷺ).' He asked: 'Do you pay zakat on them?' I said: 'No,' or: 'Whatever Allah willed.' He said: 'This is sufficient for you (to take you) to the Hell fire.'"
— Sunan Abi Dawud 1565 · Sahih (Al-Albani)
Quran
"As-Sadaqāt (here it means Zakāt) are only for the Fuqarā' (poor), and Al-Masākīn (the poor) and those employed to collect (the funds), and to attract the hearts of those who have been inclined (towards Islam); and to free the captives; and for those in debt; and for Allah's Cause (i.e. for Mujāhidūn); and for the traveller who is prevented from reaching his destination; a duty imposed by Allah. And Allah is All-Knower, All-Wise."
— Surah At-Tawbah 9:60
The 8 Categories of Zakat Recipients
1. The very poor (Fuqarā)
2. The needy (Masākīn)
3. Those employed to collect it (to meet their needs)
4. To attract the hearts of those non-Muslims who are inclined towards Islam
5. Freeing captives
6. Helping those in genuine debt
7. To the governmental army of a Muslim country
8. The traveller to help him reach his destination
— Derived from Surah At-Tawbah 9:60

How Zakat Works — A Complete Guide

What is Zakat?

Zakat is the third pillar of Islam — a compulsory act of charity requiring every eligible Muslim to give 2.5% of their qualifying wealth annually. The word "Zakat" comes from the Arabic root meaning "to purify", as it purifies both wealth and the soul. Allah commands in the Quran: "Take from their wealth a charity by which you purify them" (At-Tawbah 9:103).

Nisab Thresholds in India

Zakat becomes obligatory when your wealth exceeds the Nisab — the minimum threshold. There are two Nisab values:

  • Gold Nisab: 85 grams of pure gold (24K). Based on IBJA rates in India.
  • Silver Nisab: 595 grams of silver. Based on MCX rates in India. Most scholars recommend using the silver Nisab for cash and other assets as it is lower and ensures more people fulfil their Zakat obligation.

What Assets Require Zakat?

  • Gold: All gold including jewellery (worn or stored), coins, and bars — 24K, 22K, and 18K
  • Silver: All silver including jewellery, utensils, coins, and bars
  • Cash: Cash in hand and bank balances (savings, current, fixed deposits)
  • Business goods: Stock and inventory held for trade at current market value
  • Investments: Stocks, mutual funds, bonds, crypto, and provident fund

Zakat on Gold Jewellery in India

Most Indian Muslim households own 22K gold jewellery. Zakat is compulsory on gold jewellery whether it is worn daily or kept in a locker. The Prophet ﷺ clearly instructed that Zakat must be paid on gold bangles (Sunan Abi Dawud 1563) and silver ornaments (Sunan Abi Dawud 1565). If lost or in dispute, it does not require Zakat until reclaimed.

The Hawl (One Year) Condition

Zakat is only due on wealth that has been in your possession for one full lunar year (Hawl). The Prophet ﷺ said: "No Zakat is payable on property until a year passes away on it" (Sunan Abi Dawud 1573, Sahih — Al-Albani).

How This Calculator Works

This calculator uses live IBJA gold rates and MCX silver rates fetched twice daily (12 PM and 5 PM IST) on weekdays. Simply enter the weight of your gold (in grams, by karat), silver weight, and cash/investment amounts. The calculator instantly shows your total Zakat obligation with a detailed breakdown.

Frequently Asked Questions

What is the Nisab for Zakat on gold in India?

The Nisab for gold is 85 grams of pure gold (24K). If you own 85g or more, Zakat of 2.5% is due on the total value. This applies to gold in any form — jewellery (worn or stored), coins, bars, or bullion. Rates are based on IBJA (India Bullion and Jewellers Association) prices.

What is the Nisab for Zakat on silver?

The Nisab for silver is 595 grams. If you own 595g or more, Zakat of 2.5% applies. Silver rates are based on MCX prices. The silver Nisab is also used as the threshold for cash and other non-metal assets.

Is Zakat obligatory on gold jewellery that I wear daily?

Yes. According to the Hadith in Sunan Abi Dawud 1563, the Prophet ﷺ warned a woman wearing gold bangles that if Zakat is not paid on them, they would become bangles of fire. This applies whether jewellery is worn, stored, or kept as savings.

How to calculate Zakat on 22K gold in India?

Multiply your 22K gold weight (in grams) by the current IBJA 22K rate (24K rate × 0.9167). Add this to the value of any other gold you own. If the total equivalent in 24K gold exceeds 85g, pay 2.5% of the entire gold value as Zakat.

Do I pay Zakat on my bank balance and fixed deposits?

Yes. Zakat is payable on savings accounts, current accounts, and fixed deposits if your total wealth exceeds the silver Nisab (595g × current silver rate) and has been held for one lunar year. The Zakat amount is 2.5%.

What is the Zakat percentage?

Zakat is fixed at 2.5% (one-fortieth) of total eligible wealth, as stated in Sahih al-Bukhari 1454: "For silver the Zakat is one-fortieth of the lot." This rate applies to gold, silver, cash, and all other zakatable assets.

Who can receive Zakat? What are the 8 categories?

According to Surah At-Tawbah 9:60, Zakat can only be given to: (1) The very poor (Fuqara), (2) The needy (Masakin), (3) Zakat collectors, (4) Those whose hearts are to be reconciled towards Islam, (5) Freeing captives, (6) Those in genuine debt, (7) In the cause of Allah (army of Muslim country), (8) The stranded traveller.

What is the Hawl condition for Zakat?

Hawl means one complete lunar year must pass with your wealth above the Nisab threshold before Zakat becomes due. The Prophet ﷺ said: "No Zakat is payable on property until a year passes away on it" (Sunan Abi Dawud 1573, Sahih — Al-Albani).