1. Fix a calculation date
Use asset balances, metal prices, exchange rates, and liabilities from one date. A consistent date prevents transfers and market movement from creating an artificial gain or loss.
2. Add eligible monetary wealth
The worksheet accepts cash, gold, silver, investments, business assets, recoverable amounts owed to you, and other eligible wealth. Each category requires ownership and valuation judgment; our 108 practical guides make those decision points explicit.
3. Consider eligible liabilities
The calculator subtracts the liability figure you enter. It does not decide whether a liability is deductible. Long-term debt is not automatically deducted in full; many approaches focus on what is currently or soon payable.
4. Calculate Nisab
Metal prices are editable because the correct threshold depends on your currency, trusted market source, and calculation date. The prefilled values are only examples.
5. Compare and apply the rate
Net Zakatable wealth equals eligible assets minus the entered liabilities. When this equals or exceeds the selected Nisab, the calculator displays 2.5% of net Zakatable wealth. Agriculture, livestock, mineral extraction, and some other categories can use different rules and should not be forced into this standard formula.
Known areas of scholarly difference
Personal-use jewellery, pension access, investment-share methods, debt deductions, hawl timing, mixed ownership, and some digital assets can be treated differently. We show these differences rather than claiming a single universal ruling.
Sources and review
The core weights used here—87.48g of gold and 612.36g of silver—are widely published by established Islamic relief and Zakat organisations. Editorial pages are dated, reviewed for internal consistency, and updated when a material methodological change is made.