Zakat methods that can change your calculation

In this calculator: Silver nisab is selected initially; you can switch to gold. We use 612.36g of silver or 87.48g of gold. The GBP threshold changes with the metal price for your assessment date.

Where approaches differ: The National Zakat Foundation (NZF) also records a 595g/85g convention. Its published guidance discusses the metal choice according to the assets held. Choosing a threshold is a method decision, not a way to subtract nisab from your wealth. Our calculator does not implement every school’s metal-only rules. Read the nisab guide and NZF’s explanation.

In this calculator: The default asset entry includes personal gold and silver jewellery under the Hanafi approach. Value the relevant metal content on your Zakat date; stones and workmanship are not automatically part of that metal value.

Where approaches differ: Some scholarly approaches exempt jewellery kept for ordinary personal use. Ownership, intended use and excess or investment holdings matter. If you follow a different ruling, adjust the value you enter and keep a note of why. Read the jewellery guide and Zakat Foundation of America’s assessment guidance.

In this calculator: Enter a supported eligible amount for a defined contribution pension, or select a labelled proxy based on the fund type. We do not ask you to enter a defined benefit transfer value as cash.

Where approaches differ: NZF’s published method assesses the zakatable share of defined contribution schemes and treats defined benefit schemes differently. Its fund percentages are estimates of eligible assets; they are not alternative Zakat rates. A scheme statement or fund-specific calculation is preferable to a generic proxy. Read the pension guide and NZF’s pension method.

In this calculator: Trading shares are entered at market value. For long-term holdings, the initial option counts full market value; you can instead choose a clearly labelled 25% proxy to estimate underlying eligible assets.

Where approaches differ: An actual calculation of the underlying zakatable assets can be more accurate than a proxy. Do not add the full value and its proxy together, and do not count an ISA holding again in the separate ISA field. A 25% asset proxy is followed by the ordinary 2.5% calculation when the relevant conditions are met. Read the stocks guide and NZF’s calculation guide.

In this calculator: You decide which existing liabilities qualify before entering them. The calculator subtracts the amounts you supply; it cannot verify the religious treatment of a debt.

Where approaches differ: Current bills, future living costs, long-term loan instalments and the full mortgage balance are not interchangeable deductions. NZF discusses liabilities that may be deducted under its approach. Record the basis of your deduction, and ask a qualified scholar when the debt structure is unusual. Read the debt guide and NZF’s liabilities guidance.