MyTenNights

Calculate Your Zakat with Confidence

"The example of those who spend their wealth in the way of Allah (SWT) is like a seed of grain that sprouts seven ears; in every ear there are a hundred grains."

— Quran 2:261

Select Nisab Threshold

Choose the nisab calculation method. Most scholars recommend using the silver nisab as it benefits the poor.

Enter Your Assets

Enter the current value of all your zakatable assets. Leave any field blank if not applicable.

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Enter Your Liabilities

Enter all outstanding debts and liabilities. These will be deducted from your total assets.

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Zakat Summary

Asset Breakdown

Total Assets$0.00
Net Assets$0.00
Nisab Threshold$505.75
Your Zakat Obligation (2.5%)
$0.00

Your Zakat Questions Answered

Learn about the spiritual significance, Islamic rulings, and practical guidance for fulfilling your Zakat obligation

Zakat is the third pillar of Islam and a divine obligation for every adult Muslim who possesses wealth above the nisab threshold for one lunar year. Allah (SWT) commands us in the Quran: "Establish prayer and give Zakat" (2:43). By paying 2.5% of qualifying wealth, you purify your possessions, protect yourself from greed, and help those in need. The Prophet Muhammad (ﷺ) said: "Charity does not decrease wealth" (Sahih Muslim).
The nisab is the minimum wealth threshold that makes Zakat obligatory, equivalent to 85 grams of gold or 595 grams of silver. The Prophet Muhammad (ﷺ) established this measure to ensure only those with sufficient means pay Zakat. Most scholars recommend using the silver nisab as it benefits more people in need and reflects the spirit of generosity in Islam. Your wealth must remain above nisab for one complete lunar year (Hawl) before Zakat becomes due.
Zakatable wealth includes: cash, savings, bank accounts, stocks, bonds, investment funds, gold and silver (beyond personal jewelry for women within reasonable limits), business inventory, trade goods, and amounts owed to you. The Prophet (ﷺ) taught us that Zakat applies to "growing wealth" that has the potential to increase. Personal-use items like your home, car, furniture, and tools for work are exempt, as Islam does not burden people with what they need for daily living.
Yes, Islamic scholars permit deducting immediate debts that are due from your Zakatable assets. This includes personal loans, credit card balances, business loans, and bills payable. However, there is scholarly difference regarding long-term debts like mortgages. The mercy of Allah (SWT) is evident in this flexibility, ensuring Zakat does not cause hardship. Calculate your net wealth (assets minus immediate liabilities) to determine your Zakat obligation.
Zakat becomes obligatory one lunar year (Hawl) after your wealth first reaches the nisab threshold. Many Muslims choose to pay during Ramadan to maximize blessings, as the Prophet (ﷺ) said the reward for good deeds is multiplied during this blessed month. However, you should pay as soon as it becomes due according to your personal lunar year. Delaying without reason is discouraged, but advance payment or installments are permitted if needed. The key is consistency and sincerity in fulfilling this pillar of Islam.
Zakat brings immense spiritual rewards and worldly blessings. Allah (SWT) promises in the Quran: "Whatever you spend in charity, He will replace it" (34:39). The Prophet (ﷺ) taught that charity extinguishes sins like water extinguishes fire, protects from calamity, and provides shade on the Day of Judgment. Beyond material benefits, Zakat purifies your heart from greed and attachment to wealth, increases your gratitude, strengthens community bonds, and reminds you that all provisions come from Allah (SWT). It is an act of worship that draws you closer to your Creator.