Zakat FAQ

Home Zakat FAQ
Answers to common questions related to zakat

(Please note that for any specific queries, it is advisable to contact your local imam)

Zakat calculator
Donate
Nisab

To be liable to pay zakat, one’s wealth must be more than a threshold figure, termed the ‘nisab’. To determine the nisab there are two measures, either gold or silver.

The value of gold and silver fluctuates daily.

Current Nisab Value (Live update)

Using value of silver (612.36 grams) – approximately $1,301.62

Using value of gold (87.48 grams) – approximately $12,155.37

The nisab calculated with the silver standard is significantly lower than its gold counterpart. This is because the value of silver has plummeted since the time of the Prophet (peace be upon him).

There are arguments for using either nisab value – many scholars say that it is better to use the silver nisab since it will increase the amount of charity distributed, others say that the gold nisab is closer to the nisab in use at the time of the blessed Prophet (PBUH).

However, if your assets consist entirely of gold, you must use the gold nisab, and similarly, if they consist entirely of silver then the silver nisab must be used.

Gold and silver: Any gold or silver you possess is zakatable, including daily jewellery, according to the Hanafi school, because these two metals have intrinsic monetary value.

Other precious metals and stones are not zakatable unless they were acquired for the purpose of trade.

Cash or its equivalent: Cash at home, in bank accounts, savings, money lent to others, saving certificates, bonds, shares, investment certificates and so on, are all taken into account when calculating zakat.

Stock purchased for trade: Any goods you have bought with the intention of selling are included in your zakatable wealth.

Except for gold and silver, no zakat is payable on your personal belongings such as a house, car or any goods which were not purchased to trade.

If a person possesses wealth exceeding the nisab threshold, but has to pay rent, purchase food, clothing, etc., for themselves and their dependants, then these costs may be deducted from one’s wealth.

If, after deducting these costs, the remaining amount is less than the nisab then no zakat is payable.

The zakat year begins on the date you were first in possession of wealth above the nisab.

This will be your seed date, or your personal zakat payment date.

You must pay your zakat on the same Islamic date every year. For example, if you paid your zakat on the 5th of Sha’ban in 2025, you should also pay it on 5th Sha’ban in 2026.

The only situation in which your seed date will change is if you were to become totally bankrupt and lose all your assets and belongings. In this situation, your new seed date will begin when you are once again in possession of wealth above the nisab.

If you are not sure of your seed date, then estimate it to the best of your ability.

As long as you are in possession of wealth above the nisab threshold on your seed date, then zakat will be due, even if your wealth dipped below the nisab for some or most of the year.

You pay zakat on your personal seed date, irrespective of when particular portions of your wealth came into your possession. Even if the cash came into your possession a day before your seed date, you would have to pay zakat on it the following day.

Savings

Yes, zakat is payable on money saved for hajj, provided your total wealth meets the nisab threshold.

There are 2 ways in which a pension can be funded:

1) Payments are deducted from a salary before it comes into the possession of the contributor.

2) The contributor makes payments from money that has already come into their possession.

If the payments are deducted from the salary at source, so that the money never comes into the possession of the contributor, no zakat is due on the payments, nor is it due on the amount that accumulates in the pension or provident fund.

Zakat will only become payable when money from the fund is paid out and received by the contributor.

If the pension payments are made after the money has come into the possession of the contributor, then zakat is payable on the money that accumulates in the fund.

Shares are of 2 types: those purchased by a speculator who trades in shares, and those bought for investment.

If you are a speculator and have bought shares specifically for the purpose of selling them and making a profit, then the entire market value of the shares is subject to zakat, since it is considered as stock in trade.

If, however, you have bought shares as an investment and to receive dividends, then calculate the percentage of zakatable assets the company has, then pay zakat on that percentage of the value of your shares. To do this you would need to look at the yearly accounts of the company, and work out what percentage of its assets are stock, raw materials, cash, gold or other zakatable items. Buildings, machinery, vehicles and so on that are essential for the business are not zakatable.

Debts

The basic principle is that debts are deducted from wealth. If the remainder is still over the nisab threshold, zakat is payable, otherwise it is not.

However, if a person has a large debt that is being paid off in instalments, such as a mortgage or a large credit card debt, then one should only deduct that month’s payment.

Zakat is not payable on money you are owed for work, until you receive the payment.

Similarly, zakat is not payable on a dowry that you have not yet received, or an inheritance share that you are due but has not come into your possession.

Yes. You can either pay zakat for every year that passes until you receive the loan back, or you can wait until you receive the loan and then pay the accumulated zakat in one go.

If the loan is insecure and you are unsure if the borrower will be able to pay you back, it is better to delay the zakat payment until you receive it, at which point the zakat accumulated over the years will be payable. If you never receive the money back, no zakat is payable.

Businesses

If you have a business, all stock in trade is liable for zakat, including land and real estate that has been bought for the purpose of resale.

Raw materials and goods produced for sale are also subject to zakat. The buildings, machinery, vehicles and so on that are essential for the business are exempt from zakat.

The value of the stock in your shop is its market value, not the buying price. You can calculate this by estimating how much you would expect to receive if you sold the entire stock at once to a single buyer.

Yes, you would need to pay zakat on it. Although when calculating its value, you would consider the price that you would be able to sell it for.

A loan you have taken out to acquire zakatable assets, such as raw materials, goods and so on, can be deducted from your capital. You pay zakat on what remains.

A loan you have taken out to acquire non-zakatable assets, such as furniture, machinery and buildings is not deductible.

General zakat questions

Zakat is obligatory on someone who is:

1. A free man or woman.

2. Muslim: zakat is a religious obligation upon Muslims, like the 5 daily prayers.

3. Sane: The person on whom zakat becomes obligatory must be of sound mind, according to Imam Abu Hanifa. Imam Malik holds that an insane person is still liable for zakat.

4. An adult: Children do not have to pay zakat, even if they own enough wealth to make zakat obligatory. However, both Imam Shafi’i and Imam Malik say that the guardians of the children should pay the zakat on their behalf.

5. In complete ownership and control of their wealth: The person must own and be in possession of the wealth, and also be free to spend or dispose of the wealth in any manner they like. If a person has made a loan of their wealth then they are not in a position to spend it until it is repaid.

6. In possession of wealth above the nisab threshold: The person should possess wealth above a defined amount required to satisfy the essential needs of themselves and their dependents (nisab).

7. Free from debt: Someone in debt may deduct their debts from their assets. If what remains is still above the nisab threshold, zakat is due, otherwise not.

8. In possession of the wealth for one complete lunar (Hijrah) year: If one owns zakatable wealth for a lunar year, zakat will become obligatory on the amount remaining at the end of the year, provided the total amount of wealth exceeds the nisab at the beginning of the year and the end, irrespective of any fluctuations in the months between.

Yes, zakat can be paid in advance before the year has ended, but you should make sure you have wealth equal to or above the nisab.

To be eligible to receive zakat, the recipient must be a poor Muslim. A poor person is someone whose property, in excess of his basic requirements, does not reach the value of the nisab threshold.

The recipient must not belong to your immediate family: your spouse, children, parents and grandparents cannot receive your zakat. Other relatives however, can receive your zakat.

The recipient must also not be a Hashimi, a descendant of the Prophet (PBUH).

Before the Eid al-Fitr prayer at the end of Ramadan, every adult Muslim who possesses food in excess of their needs must pay zakat al-fitr for themselves.

The head of the household is responsible for paying zakat al-fitr for all dependants, such as children, servants and elderly relatives.

Zakat al-fitr can be paid during Ramadan, and before Eid al-Fitr prayers at the latest, so that the poor can enjoy the day of Eid.

The minimum amount due is the equivalent of about 2 kg of wheat flour, rice or other staple foodstuff, for each member of the household, including children and dependants – even if they do not live in the same house. A safe estimate is approximately £5/US$7 per head.

Recipients of zakat al-fitr are the poor and those in need, who are entitled to receive general zakat.

Islamic Relief acts as your charitable agent, using your zakat al-fitr to buy and distribute food on your behalf.

For a donation to qualify as zakat, you must have clearly intended to pay zakat at the time of donation. 

Not according to the Hanafi school. A child is not liable to pay zakat, even if they possess wealth above the nisab threshold.

A child’s first zakat payment will become due 12 lunar months after the child reaches the age of puberty, if they possess wealth above the nisab.

According to Imam Shafi’ and Imam Malik, however, a child who possesses wealth above the nisab value is liable for zakat, the same as an adult.

Zakat
Nisab
Zakat Year
Zakat On Businesses
Loans and Debts
Aqiqah
Zakat al-Fitr
Recipients of Zakat
Zakat Calculator
Zakat FAQ
Sadaqa
Quick donate
arrow-up

Quick donate

Join Our Newsletter

We will always treat your personal information with the utmost care and will keep it private (read our privacy policy). You can opt out at any time by contacting us via email at IslamicReliefWorldwide@irworldwide.org or by clicking the unsubscribe button on one of the emails you receive from us.

© Copyright 2025 Islamic Relief Worldwide, Inc. All rights reserved. Registered Charity No. 328158
Zia Salik

Interim Director of Islamic Relief UK

Zia Salik was appointed Interim Director of Islamic Relief UK in 2025, and brings with him over 18 years of third sector experience. He has held several leadership roles within Islamic Relief UK, including National Events Coordinator, National Community Fundraising Manager, Head of Fundraising, and Deputy Director. Zia has led national fundraising strategies, managed large-scale campaigns and events, and contributed significantly to volunteer development, donor engagement and public outreach. 

As Interim Director, Zia oversees multiple teams and contributes to strategic planning, operational leadership and organisational growth. He is recognised for his expertise in major donor management, public speaking, media engagement and community fundraising. Zia has been instrumental in building strong community networks and delivering impactful campaigns.

Before joining Islamic Relief, Zia served as Programmes Manager at Humber All Nations Alliance, where he led organisational growth, project delivery and funding proposals.

Zia is a seasoned leader committed to social justice, who brings a collaborative, mission-driven approach to his work, helping to amplify voices and maximise impact in the charity sector.

Nadeem Malik

Interim CEO of Islamic Relief Worldwide (IRW) and Managing Director of Humanitarian Academy for Development (HAD)

Nadeem has a wealth of experience from the charity, statutory and private sectors. He is the Managing Director of HAD (a division of IRW) which is a centre of excellence seeking to empower the humanitarian sector and maximise its effectiveness and from October 2025 will serve as our interim CEO. 

Before joining Islamic Relief, for nearly a decade at the General Medical Council — a globally recognised professional regulator — Nadeem managed strategic relationships with Chief Medical Officers and senior leaders. Prior to that, he served as the UK Director of Islamic Help, engaging closely with many international non-governmental organisations and playing a key role in fundraising and media activities.

In 2000, Nadeem was admitted as a solicitor. He spent nearly 8 years as a Partner at a law firm specialising in employment, regulatory and charity law. He has published papers, including in the Modern Law Review, and chapters in books.

Nadeem is deeply committed to strengthening civil society organisations and the charity sector, and throughout his career has focused on improving foundations for future generations and building strong networks. Nadeem has particular expertise working in matters of Learning and Development, especially personal and professional development, combining Islamic principles with modern techniques and interventions. He is also especially interested in psychological perspectives and cognitive distortions. He has designed and delivered training to thousands of people for nearly 3 decades.

As well as individual development and growth, Nadeem has spent 20 years working with organisations to manage and lead people to improve outcomes and efficiencies. He is a Consultant Coach, qualified at ILM Level 5 in Effective Coaching and Mentoring and ILM Level 7 in Executive and Senior Leadership Coaching. He was Chair of the Independent Advisory Group for the Professional Standards Department of West Midlands Police for 4 years, where he was awarded recognition for his ‘Outstanding Work.’

Saqeb Mueen

Director of External Relations and Advocacy

Saqeb joined Islamic Relief in 2025, bringing with him extensive experience in strategic communications and policy engagement. He served for more than two decades at the Royal United Services Institute for Defence and Security Studies (RUSI), including eight years as Director of Communications, where he led high-impact media campaigns and worked with major international organisations including the European Union, NATO as well as national governments. Saqeb was also the first Head of Communications for Tech Against Terrorism, an online counter-terrorist organisation backed by the United Nations, where he developed and established its public relations capabilities. Saqeb has advised UK Muslim organisations on communications and public affairs as they foster interfaith initiatives and tackle racism and Islamophobia. Saqeb holds a BA in History from University College London and an MA in War Studies from King’s College London. He is a member of the Chartered Institute of Public Relations, is a fellow of the Royal Society of Arts and was a Senior Associate Fellow at RUSI.
Asha Ahmad

Director of People and Culture

Asha joined Islamic Relief in 2025 with the aim of working with colleagues to create an environment where everyone feels valued, empowered, and motivated to contribute meaningfully to our shared mission.

Asha has more than 20 years of experience in HR leadership across a range of industries, holding roles at Thomson Reuters, BMW, Movado Group and others. She is passionate about building strong, resilient teams and fostering positive workplace cultures where individuals are empowered to thrive, contribute and do their best work.

Asha holds a BA in Management, Economics and Law, as well as a BA in Business Studies. She is an Associate Member of the Chartered Institute of Personnel Development.

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.

Salaheddin Aboulgasem

Interim Director of Global Family Development

Salaheddin joined Islamic Relief UK in 2006 and over the next 7 years held multiple roles, including Community Fundraiser and Campaigns Manager, before joining Islamic Relief Worldwide in 2013.

Since then, Salaheddin has been instrumental in the launch and growth of new Islamic Relief member offices in Ireland, Spain, Norway and Finland, as well as providing essential support and guidance to existing members, including Italy, where he served as CEO for 3 years.

In 2023, Salaheddin became Deputy Director of Global Family Development and in this role has continued to play a crucial part in steering Islamic Relief’s growth and expansion. He has also led global fundraising and media engagement for major emergencies including the Türkiye-Syria earthquake and Libya floods. Salaheddin became the Interim Director of Global Family Development in 2025.

Salaheddin holds a master’s degree in International Development and is actively involved in several community-led initiatives. He is currently the Vice President of the International Union of Muslim Scouts and Deputy Chair of the UK Muslim Scouts Fellowship as well as Chair of the South Birmingham Muslim Community Association.

Board of Directors
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.
Board of Directors
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-.
Board of Directors
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.
Board of Directors
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.