All Free Islamic & Zakat Tools

By the Editorial Team · reviewed against our sources · updated September 2026 · guidance, not a fatwa

What Zakat is, and why it matters

Zakat is one of the five pillars of Islam and, after the declaration of faith and the daily prayers, it is the pillar that most directly shapes how a Muslim relates to wealth. The Arabic word carries the meanings of both purification and growth: giving Zakat cleanses the remaining wealth of the giver and, by circulating money from those who have a surplus to those in need, it grows the wellbeing of the whole community. It is not charity in the loose, optional sense. It is a defined right that the poor hold over the rich, calculated by a fixed formula and paid whether you feel generous in a given year or not.

Because Zakat is an act of worship with real financial consequences, it needs to be worked out carefully. Give too little and you have not discharged an obligation; misunderstand the rules and you may pay on assets that are exempt, or miss assets that are due. The purpose of this hub is to make the whole picture clear in one place: what counts as wealth, when it becomes due, how much to give, and who may receive it. Start with our plain-language explainer, What is Zakat, and when you are ready to calculate, the main Zakat Calculator walks you through every asset class step by step.

How the Zakat system works: nisab, hawl and the fixed 2.5%

Three concepts do almost all the work in Zakat. The first is the nisab, the minimum threshold of wealth below which no Zakat is owed. The second is the hawl, the requirement that the wealth be held for one full lunar (Hijri) year. The third is the rate, which for money and trade goods is a fixed 2.5% — that is, one fortieth of the qualifying total.

In practice the flow is simple. Work out your total zakatable assets on your Zakat anniversary. Subtract immediate debts and liabilities to reach your net figure. Compare that net figure to the current nisab. If you are at or above the threshold and the wealth has completed its lunar year, you owe 2.5% of the net total. The rate is not a matter of opinion or generosity; it is fixed by the Sunnah, and only the value of the nisab moves, because it tracks live metal prices. Our how to calculate Zakat guide sets out the same steps in detail, and the calculator applies them automatically.

Nisab explained: gold, silver and why the threshold matters

The nisab is defined by weight of precious metal, not by a fixed sum of money, which is why the cash value changes daily. There are two recognised thresholds: 87.48 grams of gold or 612.36 grams of silver. These two weights are the only fixed constants in the nisab; the monetary value attached to them rises and falls with the market, so it must always be read from a live price rather than memorised.

Which metal should you use? Historically the two thresholds were close in value, but over centuries the price of silver has fallen far behind gold, so the silver nisab is now considerably lower in cash terms. Using the silver threshold therefore brings more people into the obligation and results in more being given to the poor, which is why a large number of scholars and charities recommend it, particularly for people whose wealth is mainly cash. Others hold that gold is the fairer benchmark for modern savings. Both positions are defensible; the important thing is to choose deliberately and apply it consistently. Our Nisab Today tool shows both live thresholds side by side so you can see exactly where you stand before you decide.

Which assets are zakatable

Zakat is due on wealth that has the potential to grow — money and productive assets — and not on the things you use in daily life. Your primary home, personal car, clothing, furniture and everyday tools are exempt. Below is a quick reference to the main categories; each links to a fuller guide.

Cash and bank balances

All money you hold — in hand, in current and savings accounts, and in digital wallets — is fully zakatable at 2.5%. This is the most common category and the easiest to overlook when it is spread across several accounts.

Gold and silver

Gold and silver are zakatable by weight and value, whether held as coins, bars or jewellery, at the live market price. Jewellery in regular personal use is treated differently by different schools, so check your madhhab. The Gold Zakat Calculator lets you enter items by karat, grams or tola and applies the current gold price for you.

Shares, funds and pensions

Shares and investment funds held to trade are zakatable on their market value; shares held for long-term dividends are usually zakatable on the underlying zakatable assets of the company. Accessible pension savings are generally zakatable, with treatment depending on how much control and access you have. Because these can be complex, work from your statements and, where the ruling is unclear, ask a scholar.

Cryptocurrency

Most contemporary scholars treat cryptocurrency you own as a zakatable asset, valued at its market price on your Zakat anniversary and paid at 2.5%, in the same way as cash or trade goods. Value the full holding on the day and include it in your total.

Business stock and trade goods

If you run a business, the goods you hold for sale (your inventory) are zakatable at their current sale value, along with business cash and money owed to the business. Fixed assets used to run the business — premises, equipment, vehicles — are not.

Money owed to you

Loans you have made and are confident of recovering are zakatable, because the wealth is still effectively yours. A debt you are unlikely to recover is generally not counted until it is actually repaid. On the other side, immediate debts you owe can usually be deducted from your total before you apply the rate.

Zakat al-Fitr, Fidya and Kaffarah: the other obligations

Annual Zakat on wealth is not the only form of prescribed giving, and the tools on this hub cover the others too.

Zakat al-Fitr

Zakat al-Fitr is a small, fixed charity paid by every member of a household — including children — at the end of Ramadan, before the Eid prayer. It is measured as a set quantity of staple food per person, and its purpose is to make sure even the poorest can share in the celebration of Eid. It is separate from, and much smaller than, Zakat on wealth. Work out your household total with the Zakat al-Fitr calculator.

Fidya

Fidya is a payment made by someone who is genuinely unable to fast — for example through chronic illness or advanced age — and cannot make the fasts up later. It is given as food for each missed day. The Fidya calculator works out the total for the days you need to cover.

Kaffarah

Kaffarah is a more substantial expiation for deliberately breaking a fast without a valid excuse, or for breaking certain oaths. The classical ruling requires fasting sixty consecutive days, or feeding sixty poor people for each violation, and the order of preference matters. Use the Kaffarah calculator to estimate the feeding option, and consult a scholar for your specific situation.

Sadaqah versus Zakat

It helps to keep two ideas apart. Zakat is obligatory, fixed at 2.5%, tied to the nisab and the lunar year, and payable only to specific eligible categories of people. Sadaqah is voluntary charity: any amount, at any time, to any good cause, with no threshold and no fixed rate. Sadaqah is hugely rewarded and can be given freely, but it never substitutes for Zakat — paying voluntary charity does not discharge the obligation of Zakat, and the two are recorded separately. Our Sadaqah guide explains the distinction and the etiquette of giving. The table below summarises the five main forms of giving at a glance.

Islamic inheritance (Faraid): an overview

Faraid is the Islamic law of inheritance, which sets out fixed shares of an estate for specified heirs — spouses, children, parents and others — largely according to the shares named in the Qur’an. Distributing an estate correctly is a religious duty, and getting the fractions right can be intricate because they interact with one another and with who survives the deceased. Our Inheritance (Faraid) calculator works out each heir’s Qur’anic share and shows the result as a visual diagram so the distribution is easy to follow. Alongside it, the Islamic Will guide explains how a valid bequest (wasiyyah) works: in principle up to a third of the estate may be left to non-heirs or good causes, with the remainder distributed by the fixed shares. For anything with legal effect, confirm the outcome with a qualified scholar and, where relevant, a lawyer in your jurisdiction.

The Islamic calendar and prayer tools: why timing matters

Zakat is measured by the lunar year, Ramadan defines when Zakat al-Fitr and Fidya arise, and the whole rhythm of worship follows the Hijri calendar — so accurate dates are part of getting your giving right. Knowing your Zakat anniversary in the Hijri calendar, for instance, is what tells you when a full hawl has passed. That is why this hub includes a set of calendar and prayer tools: a Hijri date converter and an Islamic date today tool for tracking anniversaries and the month of Ramadan, and a Qibla finder for locating the direction of the Kaaba wherever you are. They complement the giving calculators and keep every part of your practice aligned to the same calendar.

How to use these tools

Every tool here is built to be genuinely useful and genuinely respectful of your privacy. They are all free, with no account required. Calculations run in your browser: the figures you enter for your savings, gold or business are processed on your own device and are not sent to us. The calculators support 20+ currencies with live gold and silver prices, are madhhab-aware so you can reflect your school’s position, and are available in six languages — English, Bahasa Indonesia, Türkçe, Arabic, Urdu and Français. If you are not sure which obligation applies to you, the Which Zakat? quiz points you to the right tool in a couple of questions, and the private Zakat Tracker lets you keep a year-by-year record so you never lose track of an anniversary.

Our accuracy and honesty commitment

Money and worship are both serious, so we hold this site to a clear standard. Our guides are guidance, not a fatwa — for a binding ruling on your personal circumstances, consult a qualified scholar. We do not invent hadith, attribute views to scholars they did not hold, or quote figures we cannot support; where schools differ, we say so rather than pretending there is a single answer. The nisab weights of 87.48 g of gold and 612.36 g of silver and the 2.5% rate are treated as fixed constants, while all live values — the cash value of the nisab, gold and silver prices, currency conversions — are read from live data at the moment you calculate, never hard-coded. You can read exactly how each result is worked out in How we calculate, and see where our data comes from in Sources. If you want to know who may receive your Zakat, the who is eligible for Zakat guide sets out the eligible categories.

Browse all our free tools

Zakat & giving

Inheritance

Islamic calendar & prayer

Track & learn

Other languages

Each language has its own Zakat calculator and Hijri calendar / today’s-date tool:

• Bahasa Indonesia — Kalkulator Zakat · Kalender Hijriah · Arah Kiblat · Kalkulator Faraid
• Türkçe — Zekat Hesaplama · Hicri Takvim · Kıble Yönü · Miras Hesaplama
• العربية — حاسبة الزكاة · التاريخ الهجري اليوم · اتجاه القبلة · حاسبة الميراث
• اردو — زکوٰة کیلکولیٹر · آج کی اسلامی تاریخ · قبلہ رخ · وراثت کیلکولیٹر
• Français — Calculateur de Zakat · Date Hijri Aujourd’hui · Trouver la Qibla · Calculateur d’héritage

All tools are free and run in your browser. Guidance only, not a fatwa — consult a qualified scholar for binding rulings.

Frequently asked questions