Zakat calculator

Updated August 2026

Zakat is 2.5% of your net zakatable wealth once it's held above the nisab threshold for one lunar year. This calculator includes crypto, valued at today's price regardless of what you originally paid, which is the detail that trips up most people after a volatile year in the market.

Why crypto is valued today, not at purchase price

This is genuinely the most common confusion this calculator exists to clear up. Zakat applies to the value of your wealth on the date it's due, not what you paid for it. If you bought bitcoin at a high price and it's since fallen, you owe zakat on what it's worth today, not on your original purchase price or your unrealized loss. The same works in your favour if an asset has gone up: you owe on today's value either way. This matches the treatment of any other tradeable asset, gold, stock, or business inventory included.

Staking rewards and mixed portfolios

Staking rewards, once received, simply become part of your total zakatable wealth like any other income, valued at today's price alongside everything else. There's no separate calculation needed. If you hold a mix of crypto, cash, and business assets, this calculator adds them together and applies the nisab threshold and 2.5% rate to the combined total, which is the standard approach most contemporary scholars covering digital assets take.

Why the nisab standard matters

Scholars differ on whether the gold or silver standard should be used, and it isn't just an academic distinction: the silver nisab is dramatically lower than the gold nisab in most market conditions, which means more people meet the threshold under the silver standard. Many contemporary scholars recommend silver specifically because it's more inclusive and closer to the threshold's original intent of capturing genuine surplus wealth. This calculator lets you pick either, since this is a real point of scholarly difference, not something we're going to resolve for you.

What this doesn't cover

This calculator handles cash, crypto, and business assets. It doesn't calculate zakat on gold or silver jewelry beyond personal use, agricultural produce, or livestock, each of which has its own separate rules. It also doesn't verify you've held the wealth for a full lunar year (hawl), which is a condition for zakat being due, not just meeting the nisab on a single day.

This tool applies general zakat principles as commonly taught across the major schools of thought, adapted for digital assets based on published contemporary scholarly guidance. It is not a fatwa. For your specific situation, especially with a complex or mixed portfolio, consult a qualified scholar or a zakat institution you trust.