UK Zakaat Calculator
All four madhabs. Live UK gold and silver prices.
Free PDF report. No charity affiliation.
Free to use · No account required · Takes 2 minutes
The Islamic obligation
What is Zakaat?
Zakat (زكاة) is one of the Five Pillars of Islam — a mandatory annual obligation on every eligible Muslim. Unlike optional charity (sadaqah), zakat is a precise religious duty, calculated on the wealth you have held above the nisab threshold for a complete lunar year, known as the hawl.
The word itself means purification and growth. By paying 2.5% of your qualifying wealth each year, you purify the remainder and fulfil a divine command. The Quran designates eight categories of eligible recipients in Surah Al-Tawbah (9:60): the poor, the destitute, those administering zakat, those whose hearts are to be reconciled, those in bondage, the indebted, those in the way of Allah, and the stranded traveller.
In the UK, the pound value of the nisab changes daily because it is tied to live gold and silver prices. This calculator uses LBMA spot prices updated every 10 minutes — so your threshold is always accurate, never based on a stale estimate.
2.5%
Zakaat rate on net qualifying wealth
87.48g
Gold nisab weight (fixed by fiqh)
612.36g
Silver nisab weight (fixed by fiqh)
354 days
Lunar year (hawl) holding period
Zakat eligibility
Who must pay Zakaat?
All four conditions must be met for zakat to be obligatory (fard) upon you this year. If any one condition is missing, you are exempt.
Adult Muslim
You have reached puberty (bulugh). In the Hanafi school zakat is not obligatory on minors — a guardian pays on their behalf in the other three schools.
Sound mind
You are of sound mind (aqil). Zakat is not obligatory on someone who lacks mental capacity.
Wealth above nisab
Your net zakatable wealth exceeds the nisab — the value of 87.48g of gold or 612.36g of silver at today's prices.
Full hawl elapsed
Your wealth has been above the nisab for a complete lunar year (~354 days). If it dips below nisab, the hawl resets from zero.
Simple process
Calculate your Zakaat in 3 steps
The whole process takes under two minutes. No account needed.
Choose your madhab
Select Hanafi, Maliki, Shafi'i, or Hanbali. The fiqh rules — especially around gold jewellery and what debts can be deducted — differ between schools.
Enter your assets
Cash, savings, gold and silver, ISAs, stocks, crypto, and business assets. Subtract short-term debts. We walk you through every line.
Get your result
Your zakat amount appears instantly. Download a free, detailed PDF — useful for your own records or when consulting a scholar.
Zakat Calculator
Takes about 2 minutes · All four madhabs supported
Why choose us
Why zakaatcalculator.co.uk?
All Four Madhabs
Hanafi, Maliki, Shafi'i, and Hanbali rules correctly applied — the only UK calculator that does this.
Live UK Prices
LBMA spot gold and silver prices updated every 10 minutes. Your nisab threshold is always current.
Free PDF Report
Download a full breakdown of your calculation. Useful for records and for discussing with a scholar.
No Charity Agenda
We are a neutral tool, not a charity donation funnel. Your calculation is yours alone.
Islamic jurisprudence
Choose your madhab
The calculator applies the correct fiqh rules for your madhab. Not sure which madhab you follow? Read the guide.
Common questions
Frequently Asked Questions
Quick answers to the questions Muslims in the UK ask most often.
What is Zakat and who has to pay it?
Zakat is a mandatory annual obligation — one of the Five Pillars of Islam — equal to 2.5% of your net qualifying wealth. Every adult Muslim of sound mind whose wealth has been above the nisab threshold for a complete lunar year (hawl) must pay it. If your wealth is below nisab, you are exempt.
How do I calculate how much Zakat I owe?
Add up all zakatable assets: cash, savings, gold and silver, investments, business stock, and debts owed to you. Subtract short-term liabilities such as rent, bills, and the next 12 months of any loan. If the total exceeds the nisab threshold, multiply by 2.5% to get your zakat amount. Our calculator handles this in under two minutes.
What is the nisab threshold in the UK right now?
Nisab is either 87.48 grams of gold or 612.36 grams of silver. Because both are pegged to live market prices, the pound sterling equivalent changes daily. Our calculator uses LBMA spot prices updated every 10 minutes so you always see the current threshold — not an outdated estimate.
What assets are included when calculating Zakat?
Zakatable assets include: cash and bank balances, savings accounts and ISAs, gold and silver (worn jewellery rules differ by madhab), shares and investments at market value, cryptocurrency at market value, business stock and trade receivables, and rental income held on your zakat date. Personal-use items — your home, car, clothes, and furniture — are not zakatable.
Is Zakat due on my savings, ISA, or pension?
Yes for savings and ISAs — both Cash ISAs and Stocks & Shares ISAs are fully zakatable. Pensions are more nuanced: SIPPs and personally-controlled pensions are generally zakatable on the accessible portion; final-salary (defined benefit) schemes you cannot yet access are generally not. This is a contested area — if in doubt, consult a qualified scholar.
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