Guides & Articles

Zakat Guides 2026

Scholar-reviewed guides covering every aspect of Zakat — from calculating your obligation to understanding Islamic giving. Updated for 2026.

Calculator & Fundamentals

Calculator

Zakat Calculator 2026

Calculate your 2.5% Zakat on gold, silver, savings, ISA, crypto, pension and investments — with instant results.

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Step-by-Step

How to Calculate Zakat

7 clear steps: find your Hawl date, list assets, subtract debts, check Nisab, pay 2.5%. With worked examples.

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Nisab 2026

Zakat Nisab 2026

Live Nisab values updated daily from real-time silver and gold spot prices. Tables in GBP, USD, EUR, AED, SAR, PKR and MYR.

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Nisab Explained

Nisab Threshold — Full Guide

Which Nisab to use and how it applies to all your assets — silver vs gold threshold explained.

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Timing

When to Pay Zakat

Zakat is due on your personal Hawl anniversary — not automatically in Ramadan. How to find your date and pay on time.

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Missed Years

Missed Zakat — How to Pay for Previous Years

Missed paying Zakat in previous years? Calculate what was owed, pay in instalments, and make sincere repentance. Step-by-step guide.

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Instalments

Can I Pay Zakat Monthly?

Yes — Zakat can be paid in advance and in monthly instalments throughout the year. Scholar-reviewed ruling with worked examples.

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Exemption

Who Is Exempt from Zakat?

Below the Nisab, under a year's Hawl, debts exceed wealth, children (Hanafi) — full exemption criteria.

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UK Guide

How to Pay Zakat in the UK

8 steps for UK Muslims: Nisab in GBP, ISAs, SIPPs, mortgage deductions, Gift Aid, and where to pay.

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Fundamentals

The Hawl — One-Year Condition

What the Hawl is, when it starts, what breaks it, and how to calculate Zakat if your wealth fluctuates.

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Overview

Types of Zakat

Zakat al-Mal (2.5% annual), Zakat al-Fitr (£7/person), trade Zakat, and agricultural Zakat — all four explained.

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Debts

Zakat with a Mortgage

Can you deduct your mortgage from Zakat? No — but the next instalment is deductible. Scholar-reviewed ruling.

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Supplication

Dua for Zakat

The supplication the recipient makes for the Zakat payer — Arabic, transliteration, and meaning. Plus the niyyah for paying.

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Intention

Niyyah for Zakat

How to make the correct intention (niyyah) before paying Zakat — a required condition in all four Sunni schools.

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Zakat by Asset Type

Gold

Zakat on Gold

Jewellery, bullion, tola, bori — complete guide to calculating Zakat on gold with carat conversion tables.

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Silver

Zakat on Silver

Silver coins, bullion, jewellery, and silverware — purity calculations and the Nisab-based threshold explained.

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Savings

Zakat on Savings Account

Cash ISA, easy access, fixed bonds — all savings are zakatable at 2.5% of the balance on your Hawl date.

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Salary

Zakat on Salary & Income

Is Zakat due monthly on salary? No — your wages form part of your annual cash wealth. Classical ruling and worked examples.

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Investments

Zakat on Stocks & ISA

Stocks, shares ISA, Cash ISA, mutual funds, ETFs — 2.5% of market value. Includes ISA tax wrapper explained.

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Pension

Zakat on Pensions

SIPP, workplace pension, defined benefit — which pensions are zakatable and how to calculate each type.

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Crypto

Zakat on Cryptocurrency

Bitcoin, Ethereum, stablecoins, staking rewards — how to calculate Zakat on all crypto holdings.

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Business

Zakat on Business Assets

Trade stock, business cash, receivables — how sole traders, partners and company owners calculate business Zakat.

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Property

Zakat on Property & Rental Income

Your home is exempt. Rental income and development land have different rules. Complete UK property Zakat guide.

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Buy-to-Let

Zakat on Buy-to-Let Property

The buy-to-let property itself is not zakatable. Net rental income in your account is — with worked example.

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Debt & Loans

Zakat on Debt — What You Can Deduct

Credit card: deductible. Mortgage: mostly not. Student loan: not deductible. Complete UK guide with deductibility table.

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Inheritance

Zakat on Inheritance

No Zakat on receipt — it joins your wealth from that date. Hawl runs from when you received it, not when the person died.

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Premium Bonds

Zakat on Premium Bonds UK

Premium Bonds count as cash savings — include the face value at 2.5%. Prize winnings are zakatable wealth too.

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