Zakat calculator

Work out how much Zakat to pay with our Zakat calculator and then donate online. Calculate Zakat on cash, savings, gold, silver and property.

Home Zakat calculator

Simplifying your Zakat calculation

Calculating your Zakat isn’t as difficult as you may think. We find that breaking your assets down into different categories makes the Zakat calculation process really simple.

We have broken down the calculation process into Zakatable assets (gold, silver, cash, savings, business assets etc.) and deductible liabilities (money you owe, other outgoings due) so you can calculate the Zakat you owe easily.

The amount of Zakat you need to pay will be determined once you have calculated the value of your net assets. You then need to see whether your net assets are equal to, or exceed, the nisab threshold.

You will determine the amount of zakat to pay once you calculate the value of your net assets. Once this is done, you can see whether your net assets are equal to, or exceed, the nisab threshold.

Using the Zakat Calculator

Enter all assets that have been in your possession over a lunar year into the Zakat Calculator. This will then give you the total amount of zakat owed.

What is nisab?

The nisab is the minimum amount of wealth a Muslim must possess before they become eligible to pay zakat. This amount is often referred to as the nisab threshold.

Gold and silver are the two values used to calculate the nisab threshold. For 2025, the nisab is the value of 87.48 grams of gold or 612.36 grams of silver.

Current Nisab Value (26 March 2025)

Using value of silver (612.36 grams) – approximately $664.25

Using value of gold (87.48 grams) – approximately $8,508.30

How is Zakat calculated in 2025?

You can calculate your zakat in 2025 by using Islamic Relief’s quick and easy-to-use Zakat Calculator. 

Eligible Muslims pay zakat once a year, and it is due as soon as one lunar (Islamic) year has passed since meeting or exceeding the nisab (certain amount of wealth). 

We have broken down the calculation process into zakatable assets (gold, silver, cash, savings, business assets etc.) and Deductible liabilities (money you owe, other outgoings due) so you can calculate the zakat you owe easily.

The amount of zakat you need to pay will be determined once you have calculated the value of your net assets. You then need to see whether your net assets are equal to, or exceed, the nisab threshold.

Is Zakat on income or savings?

Zakat is based on the amount of Zakatable assets that  you own and not just  savings or income. 

For every sane, adult Muslim who owns Zakatable wealth over a certain amount – known as the nisab – he or she must pay 2.5% of that wealth as Zakat.

Zakatable assets include gold, silver, cash, savings and business assets, which have been in your possession over a lunar year. 

You can use our Zakat calculator above to find out if you’re eligible to pay Zakat, and how much you should pay based on your circumstances. 

How to calculate Zakat on cash?

Calculating Zakat on cash is very straightforward. 

First, total how much cash you own from the past year, including all cash in your bank account, cash at home, and cash which is owed to you. 

Then take away any cash which you own to others/ in debt, as well as any cash outgoings due, to work out how much cash you own. 

If this value is above the nisab threshold, you must pay Zakat. This is calculated by multiplying the net cash you own by 2.5%. 

*Please note that you must calculate the Zakat due on cash alongside your other assets (this includes gold and silver, investments, shares and business assets).

You can efficiently calculate how much Zakat you owe using our Zakat calculator. 

How to calculate debts and liabilities with regards to paying Zakat?

Some debts and liabilities can be deducted from the total value of your Zakatable assets when calculating how much Zakat you must pay from the last year. These include: 

  • Debts which must be paid off within 12 months.
  • Up to 12 months worth of instalments of longer-term debts.
  • Arrears and/or overdue payments.

However, not all debts and liabilities can be deducted from the total value of your Zakatable assets from the past year. These include: 

  • Expenses and bills which are not yet due.
  • Debts that are not payable at all in the next 12 months.
  • Interest payments. As interest or riba is haram, if a person has interest due on debt this can’t be taken off the Zakat amount. 

For mortgages and student loans, alongside other long-term debts, only the amounts which are overdue or due imminently should be deducted when calculating Zakat. 

Zakat must also be paid on debts owed to you, that you believe will be paid- such as the repayment of loans given to family and friends. 

Cash

Trade goods

Liabilities

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Zakat payable £0.00
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new director

Director of Network and Resource Development

Adnan joined Islamic Relief in 2004 as a regional fundraiser in the UK. He worked in multiple roles over 10 years at Islamic Relief UK, including setting up the first digital team and leading the growth of digital fundraising and engagement. Adnan also led numerous fundraising and marketing campaigns, which played a significant part in the growth of Islamic Relief UK.

Having moved to Islamic Relief Worldwide in 2014, Adnan has held different roles that have helped grow Islamic Relief’s global digital footprint into new geographic territories, supporting Islamic Relief members with their digital and marketing growth as well as developing new products and initiatives for the Islamic Relief family.

Adnan graduated in Industrial Design and Technology from Loughborough University. He has since completed an Advanced Diploma in Business Administration from Durham University and a Diploma in Digital Marketing from the Institute of Data and Marketing.

Nadeem Azhar

General Counsel

Nadeem joined Islamic Relief Worldwide in September 2022. He has worked in the charitable sector for over a decade.

He studied Modern History and Politics at Manchester University, and at the University of Law in London before qualifying as a solicitor in 2011.

Nadeem is an experienced corporate, commercial and governance lawyer, having worked with various faith-based and grant making charities as well those in health and education settings. He was a partner at a law firm in London before moving in-house where he focused on setting up and restructuring charities and social enterprises.

Most recently, Nadeem was Lead Counsel at Mind, a leading mental health charity, where he co-authored a new federation agreement, revamped legal processes, and played a major role in developing its strategic and fundraising partnerships.

Nadeem has been a charity trustee for the Seafarers Charity, as well as many grant-making bodies and theatre companies.

Adnan Hafiz

Director of Network and Resource Development

Adnan joined Islamic Relief in 2004 as a regional fundraiser in the UK. He worked in multiple roles over 10 years at Islamic Relief UK, including setting up the first digital team and leading the growth of digital fundraising and engagement. Adnan also led numerous fundraising and marketing campaigns, which played a significant part in the growth of Islamic Relief UK.

Having moved to Islamic Relief Worldwide in 2014, Adnan has held different roles that have helped grow Islamic Relief’s global digital footprint into new geographic territories, supporting Islamic Relief members with their digital and marketing growth as well as developing new products and initiatives for the Islamic Relief family.

Adnan graduated in Industrial Design and Technology from Loughborough University. He has since completed an Advanced Diploma in Business Administration from Durham University and a Diploma in Digital Marketing from the Institute of Data and Marketing.

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Javed Akhtar

Director of Finance

Javed Akhtar has more than a decade of experience at Islamic Relief, having worked in a similar role between 2003-2014. In that role he strove to implement wide-ranging financial and accounting processes which aided in the transparent nature in which Islamic Relief now operates.

Javed also has diverse experience across the private sector, having worked at American chemicals and pharmaceutical giant DuPont, shipping firm FedEX and technology consultancy company Accenture. In all his roles, he prioritises using the latest technologies to improve monitoring and reporting at every level. Javed’s commitment to embracing digital end-to-end technology, enhancing accountability to our stakeholders and promoting financial transparency is ensuring that we remain at the forefront of financial developments in the sector.

By training, Javed is a chartered accountant with a Master’s degree in NGO Management with Charity Accounting and Financial Management from Cass Business School.
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Affan Cheema  

Director of International Programmes

Affan Cheema is an experienced leader who has spent 25 years working in the international aid sector on poverty eradication in Asia, Africa and the Middle East. He has worked in fast onset emergencies, protracted crisis and development environments whilst working for Islamic Relief Worldwide and Care International. He is also a trustee of South West International Development Network (SWIDN).

Through his career Affan has held numerous roles including institutional fundraising, programme and grant management, and programme quality assurance.  Affan’s leadership has helped Islamic Relief Worldwide secure the highly coveted Core Humanitarian Standard (CHS), seen as the sector’s premier benchmark for operational excellence.

Affan completed his BA in Economics and Geography from University of London (School of Oriental and African Studies) and his MSc in Development Administration and Planning from the University of Bristol. He is PRINCE2 qualified, is a keen sportsman and recently co-edited a book entitled -Islam and International Development: Insights for working with Muslim Communities-.
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Dr Hossam Said

Managing Director, Humanitarian Academy for Development (HAD)

For nearly three decades Dr Hossam has provided the strategic vision to manage, lead and develop a range of international humanitarian interventions around the world.

At the start of his career, Dr Hossam served on the Board of Directors of the Egyptian Medical Syndicate, before moving to Islamic Relief Worldwide to manage the core global business activities as International Programmes Director.

During this time the organisation increased its global reach, gaining both domestic and international repute and credibility. Dr Hossam has also served on the Islamic Relief Worldwide Board of Management and Executive Committee for the past 15 years; sharing responsibility for strategic organisational development and the change management process, whilst forging strong relationships with many other charities.

Dr Hossam gained an MBA from Aston Business School in 2004 and graduated as a Medical Doctor from Cairo University in 1981.
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Martin Cottingham  

Director of External Relations and Advocacy

Martin Cottingham joined Islamic Relief in 2012 as IRUK Media Relations Manager, and was appointed Head of Communications in 2015 before taking up his current position as Director of External Relations and Advocacy for Islamic Relief Worldwide.

Martin has helped Islamic Relief to increase its mainstream media profile and expand its campaigning work, producing hard-hitting advocacy reports on floods in Pakistan (2011) famine in Somalia (2012) disaster risk reduction (2013) and aid to Afghanistan (2014). He has over 20 years’ experience working in media, communications and marketing roles for international development and environmental charities.

Martin graduated from the University of London with a degree in English and Drama (1982-85) then trained as a journalist with a postgraduate diploma at City University (1986-87). He has previously worked for Christian Aid as Editor of Christian Aid News and Media Relations Manager (1988-97) for Oxfam as Regional Campaigns Manager (1997-2000) and at the Soil Association as Marketing Director (2001-2006), as well as working for a wide range of organisations as a freelance writer, researcher and communications consultant.

Tufail Hussain

Director of Islamic Relief UK

Tufail Hussain has 17 years’ experience in the humanitarian and development sector, leading on marketing and fundraising campaigns for several organisations before joining Islamic Relief UK in 2016 as Deputy Director. Tufail was appointed Director of Islamic Relief UK in 2019 and in 2021 provided valuable leadership as interim CEO of Islamic Relief Worldwide.

Tufail is driven by a passion for empowering disadvantaged youth and mentors a number of young people. He also works to strengthen engagement between British Muslims and wider society. Under his leadership, Islamic Relief UK has significantly increased its income and developed successful partnerships with communities across the country. He has travelled around the world to raise awareness of major emergencies such as the Syria, Yemen and Afghanistan crises and the floods in Pakistan and Sudan.

A father to 5 daughters and a son, Tufail is also a sports enthusiast and passionate Liverpool FC supporter. Tufail has run the London Marathon twice, raising over £35,000 for humanitarian causes.

Before joining Islamic Relief he was CEO of Orphans in Need, where he oversaw a new strategy that increased income from £2 million to £9 million in 3 years and opened up new UK and international offices. Tufail is also a trustee of the Muslim Charities Forum and a Director of TIC International (Islamic Relief Worldwide’s clothes recycling and trading arm).
Waseem Ahmad

Chief Executive Officer

Waseem Ahmad joined the Islamic Relief family over 24 years ago, serving as Programme Officer in the Balochistan province of south-western Pakistan before becoming Head of Programmes in Pakistan. Waseem then moved to Oxfam and Tearfund before returning to Islamic Relief to establish our mission in Malawi. Later serving as Head of Programme Funding and Partnerships, Waseem led the response to major crises across the globe, including the East Africa drought, Pakistan earthquake and the Indian Ocean Tsunami.

Waseem then served for nearly 6 years as our Director of International Programmes, during which time the charity secured and retained the coveted Core Humanitarian Standard certification in recognition of the quality of our programming. He was appointed CEO of Islamic Relief in May 2021.

With a special interest in community mobilisation and infrastructure, Waseem received an MSc in Project Planning and Management from the University of Bradford, as well as an MSc in Economics from Arid Agriculture University in Rawalpindi, Pakistan.

Waseem has also worked for Lepra Health in Action and is a member of the International Civil Society Centre’s Board of Trustees. The father-of-3 enjoys walking and playing football, and is a keen birdwatcher.