Free & open · Live exchange rates · Joint accounts · Real estate · Save/load JSON · Silver nisab · 2.5%
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Your data is never stored on any server. This calculator runs entirely in your browser. Use Save JSON to keep a copy on your device — your saved file includes a snapshot of exchange rates at the time of saving, so your calculation is preserved exactly as-is when you reload it. To use current live rates on a saved file, click ↻ Refresh after loading. Live rate disclaimer: Exchange rates and precious metal spot prices are fetched from a free public API and are indicative only. For an official Zakat calculation, use rates from a source you consider authoritative (your central bank, a trusted gold dealer, or your local Islamic finance authority) and enter them manually by clicking any rate field.
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Spot × 595g · used as threshold
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Spot × 85g · reference
Silver
Lower = more recipients benefit
2.5%
Of net zakatable wealth
Snapshot of all wealth on this date. All inputs remain in their original currency — only totals and Zakat are displayed in your chosen currency.
Exchange Rates & Spot Prices · values in EUR
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Rates update once daily at midnight UTC
Live rates are fetched automatically on page load from a free public API (no key required). Rate cards show the value in your chosen display currency (large number) and the canonical EUR rate (small, editable input below). Each card's source badge: ■ LIVE = fetched now, ■ MANUAL = you edited it, ■ SNAPSHOT = loaded from saved file, ■ FALLBACK = could not fetch. Edit the small EUR input on any card to override — it becomes MANUAL. Click "↻ Get live" to revert.
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Bank Accounts & Cash
All balances on Hawl date · joint account support
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Include: personal current/savings accounts, business accounts, rent security deposits (Kaution — still your money, will return), and any significant cash on hand. All currencies convert to EUR automatically.
Joint accounts: Toggle "Joint account" on any row and enter your ownership percentage. Only your share is counted. Your co-owner calculates their share independently in their own Zakat.
Tip: Each row has its own currency — click the EUR ▾ badge to enter an amount in GBP, PKR, USD or any other supported currency. Totals always convert automatically.
Joint account example: Account shows €10,000. You own 50% → your zakatable share = €5,000. Your spouse includes their €5,000 in their own separate calculation. Zakat is a personal obligation — there is no "joint Zakat."
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Investment Brokers & Portfolios
Total portfolio value + uninvested cash per broker
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Simplified method (widely accepted): Enter the total current market value shown in your broker app — no need to list individual stocks or ETFs. Whether it holds index ETFs, sector funds, physical metal ETCs, or individual stocks — the full portfolio value is zakatable at 2.5%.
Uninvested cash: Add as a separate line if shown separately in your app. Physical Gold/Silver ETCs are treated identically to physical metals held directly — same calculation, same rate.
Tip: Each row has its own currency — click the EUR ▾ badge to enter a portfolio value in its native currency (e.g. USD for a US broker).
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Physical Precious Metals
Weight in grams · auto-priced at live spot
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Gold nisab (85g): Gold held alone below 85g may not meet the gold-only nisab. But if you hold silver, cash, or investments that together exceed the silver nisab, your gold is fully included.
Silver nisab (595g): Lower threshold — used as the primary standard to maximise benefit to Zakat recipients.
Newly acquired metals: If you were already above nisab when acquired, the metals join your existing Hawl. If metals are your first zakatable asset, Hawl starts from acquisition date.
Copper (and other industrial metals): Copper has no dedicated nisab in Islamic law — it is not a monetary metal (naqdayn). Physical copper bars/ingots are treated as trade goods (عروض التجارة) and are zakatable only if held with intent to sell. Copper used personally (cookware, tools) is not zakatable. Enter spot price manually: take the LME price in USD per metric ton, divide by 1,000,000 to get USD per gram, then multiply by your USD→EUR rate to get EUR per gram.
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Cryptocurrency
Current market value — past losses do not reduce Zakat
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Current value only: If you invested €5,000 and it is now worth €800, Zakat is on €800. Past losses cannot be deducted from other zakatable assets.
Stablecoins (USDC, USDT, etc.): Treated as cash — fully zakatable at face value. Include all exchanges, hot wallets, cold wallets, and earn/staking balances.
Tip: Each row has its own currency — click the EUR ▾ badge to enter a balance in USD, GBP, or any other supported currency.
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Real Estate
Islamic ruling varies by intent — calculator guides you
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Real estate Zakat — the four cases:
🔴 Rental property (long-term hold): The property itself is NOT zakatable. Only the rental income you actually receive and hold as cash is zakatable (as part of your bank account balance).
🟢 Property for resale / trading (flipping): Market value IS zakatable at 2.5%. Intent to sell must be present from the time of purchase.
🟡 Under construction / not yet in your possession: NOT zakatable until you receive the keys and take possession.
🔵 Personal residence: NOT zakatable — a home you live in is a necessity, not zakatable wealth.
Changed your mind? If you initially bought to sell but switched to rental intent (or vice versa), the ruling changes from that point forward.
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Liabilities & Deductions
Subtracted from zakatable wealth
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Include (currently due): Tax bills payable this year, credit card balance, personal loans currently due, next instalment payment on a debt.
Exclude: Future mortgage instalments not yet due. The widely-accepted position is to deduct only what is immediately payable — not the full outstanding balance of a long-term loan. If you owe €200,000 on a mortgage but only €1,200 is due this month, deduct €1,200.
Rental property financing: If a property is zakatable (e.g. for resale), the loan secured against it can be deducted from that property's value.
Tip: Each row has its own currency — click the EUR ▾ badge to enter a liability in its original currency.