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Zakat calculator

Add up what you hold in cash, gold, silver and investments — the calculator works out whether you owe zakat and how much.

Gold price per gram — edit this to today's rate for an accurate result.

Nisab threshold (85g gold)AED 23,800
Your total zakatable wealthAED 0
Zakat due (2.5%)AED 0

Your total is below the nisab threshold, so no zakat is due this year.

This calculator handles the arithmetic. It isn't a religious ruling (fatwa) — for questions specific to your situation, check with a qualified scholar or your local Islamic affairs authority (in the UAE, the Awqaf and Minors Affairs Foundation publishes guidance).

Zakat is due once a year on wealth you've held above the nisab threshold for a full lunar year (hawl). It isn't a tax on income — it's a percentage of what you still have sitting in savings, gold, or investments at the point zakat becomes due.

The standard rate is 2.5% of total zakatable wealth. This tool uses the gold-based nisab (85 grams), the measure most UAE residents use in practice. Some scholars apply the silver-based threshold instead, which is lower and brings more people into zakat eligibility — if you're unsure which applies to you, a local fatwa body or your mosque can advise on your specific situation.

One thing people often miss: savings accounts count, not just cash in hand. So does gold jewelry you own but don't wear daily, and the current market value of stocks or crypto — not what you originally paid for them.

Frequently asked questions

How is the nisab threshold calculated?

Nisab is the minimum wealth you must hold before zakat applies. The gold standard is 85 grams of gold — enter today's gold price per gram and the calculator converts it to AED automatically. A silver-based nisab (595 grams of silver) also exists and gives a lower threshold; which one applies can depend on the school of thought you follow.

Do I pay zakat on gold jewelry I wear regularly?

This is genuinely disputed among scholars. Some hold that jewelry worn regularly (not held as savings) is exempt; others say all gold above nisab is zakatable regardless of use. Because the answer changes the amount you owe, it's worth checking with a scholar rather than guessing.

What if my total wealth is below nisab?

Then no zakat is due this year. Nisab has to be held for a full lunar year (hawl) before it's payable — if your wealth dips below the threshold at any point during that year, the clock resets in most interpretations.

When should I pay zakat?

Any time your hawl completes — it doesn't have to be Ramadan. In practice, most people in the UAE pay during Ramadan because it's easier to track and the reward is considered greater, but the obligation itself isn't tied to the month.

Do I include my salary or only savings?

Zakat applies to wealth you hold, not income as it arrives. Your monthly salary isn't zakatable the day it lands — but whatever portion of it is still sitting in your account (or converted into gold, stocks, etc.) when your hawl completes is included.