Zakat Calculator
Give exactly what is due.
Live nisab·2.5%·Runs in your browser
Crypto, cash, gold and investments, measured against today's gold and silver nisab.
What you own
Enter the value on your zakat date — the same date each lunar year. Leave anything that does not apply at zero.
What you owe
Deduct only what is due now. A long mortgage is not subtracted in full — most scholars allow the instalments falling due within the year.
Nisab basis
Don't know your crypto total?Build a free Halal Portfolio and it values itself.Zakatable assets$0.00
Less debts due−$0.00
Net zakatable wealth$0.00
Nisab (gold)$11,286.12
Add your holdings to see whether you reach the nisab and what would be due.
Gold $129.01/g · silver $1.73/g, live spot as of 23 Oct 2026.
An educational estimate, not a fatwa. Zakat rulings differ between schools — on jewellery, on debt deduction and on which nisab to use. Confirm your own situation with a scholar you trust.
How to use it
Your zakat, line by line.
Use the values on your zakat date: the day your wealth completes a lunar year above the nisab.
01
Choose your nisab
Gold (87.48g) or silver (612.36g), both priced live. Silver is the lower threshold, so more people reach it.
02
Add what you own
Your crypto at market value, cash and savings, gold and silver, other investments, and money owed to you. In your dashboard, the crypto line fills itself from your portfolio.
03
Take off what is due now
Only debts payable on or around your zakat date, not the whole of a long loan.
04
Read the result
At or above the nisab, 2.5% of the total is due. Below it, the calculator shows how far short you are.
How zakat is worked out
Three rules decide what you owe.
01 — Nisab
You only owe above a threshold
Zakat is due once your net wealth reaches the nisab: 87.48g of gold or 612.36g of silver. Because that is a weight of metal, the dollar figure moves with spot — which is why this page prices it live rather than hardcoding a number.
02 — Hawl
It has to be held for a lunar year
Wealth must stay at or above the nisab for one full lunar year (~354 days). Dips below it interrupt the year on the stricter view. Pick one zakat date and keep it — the value you hold on that date is what counts, not your average over the year.
03 — The rate
2.5% of what you net own
Add every zakatable asset, subtract the debts due now, and give 2.5% of the remainder. Trading gains, staking rewards and airdropped tokens are all part of the balance — reinvesting or compounding does not reset the year or exempt anything.
FAQ
Zakat on crypto — common questions.
Is zakat due on cryptocurrency?
The majority of contemporary scholars treat cryptocurrency as zakatable wealth: it is property with value that you own outright and can trade, so it is counted like cash or trade goods. Zakat is charged at 2.5% of its market value on your zakat date, provided your total wealth is at or above the nisab and has been for a lunar year.
What is the nisab for zakat, and should I use gold or silver?
The nisab is the minimum wealth you must hold before zakat is owed: 87.48g of gold or 612.36g of silver. The silver threshold is far lower in today's prices, so using it means more people owe zakat — many scholars prefer it for exactly that reason, as it benefits the poor. The gold threshold is also widely followed. This calculator lets you switch between the two and shows both live.
Do I pay zakat on the coins I hold, or only on my profit?
On the full market value you hold, not just the gain. Zakat is a charge on wealth, not on income — so a coin bought at $1,000 and now worth $4,000 is assessed at $4,000. Unrealised losses work the same way in reverse: you assess what it is worth on your zakat date.
How do I value my crypto for zakat?
Use the market value on your zakat date, converted to your local currency. If your holdings are spread across wallets and exchanges, total them all. A free ShariaQuant Halal Portfolio values every coin for you at live prices, so you can read the figure straight off it.
Can I subtract my debts?
You may deduct what is genuinely due — bills, short-term debts and the instalments of a long-term loan falling due within the year. Most scholars do not allow subtracting a whole 25-year mortgage from this year's zakat, since that would wipe out the liability of almost every homeowner.
Is zakat owed on haram or doubtful holdings?
Impermissible gains are not purified by paying zakat on them — they should be disposed of to charity without seeking reward, which is a separate duty from zakat. If you are unsure whether a coin you hold is halal, screen it first: ShariaQuant publishes a Shariah verdict with full evidence for every asset it covers.