Your zakat
Note: Educational estimate for planning. Confirm final amounts on official channels.
What this calculator does
It prices the nisab in dirhams from a gold or silver rate you supply, totals your zakatable assets, subtracts debts due, and applies 2.5% if the remainder clears the threshold. Gold is converted by purity first, so 22K and 21K jewellery is valued on its actual gold content rather than its gross weight.
It is arithmetic, not a religious ruling. Where scholarly opinions differ — and on several of these inputs they do — the page says so instead of quietly choosing for you.
Why the nisab needs today’s gold rate
The nisab is defined as a weight, not an amount of money: 85 grams of gold or 595 grams of silver, from the classical measures of 20 mithqal and 200 dirhams. A weight does not go out of date, but its value in dirhams moves every day with the market.
That is why this page asks for a rate instead of printing a nisab figure. Any page that gives you a fixed AED threshold is giving you a number that was true on the day it was written, and gold has moved a long way in the last year.
Gold and silver give very different thresholds
Priced at modern rates the two classical standards are far apart. At AED 482 a gram, 85 grams of gold is about AED 41,000. The silver standard of 595 grams, at typical silver prices, works out at a small fraction of that.
The silver standard therefore makes many more people liable, which is why some scholars prefer it — more zakat reaches those entitled to it. Others hold to the gold standard. This is a question of religious guidance rather than arithmetic, and the calculator will run either; it will not tell you which is correct.
The lunar year is shorter than you think
Zakat falls due on wealth held for one full lunar year, roughly 354 days rather than 365. Over a lifetime that difference accumulates: anchor your zakat date to the Gregorian calendar and you will slowly skip payments.
Pick a Hijri date and keep it. The Hijri date converter will tell you when it next falls.
Where the opinions differ
Jewellery in regular use. Some scholars exempt gold worn as everyday jewellery; others hold all gold zakatable regardless of use. The calculator includes whatever you enter.
Long-term debts. Deducting an entire mortgage balance would wipe out most people’s zakat, and the common position is that only the instalments falling due within the year are deductible. Enter accordingly.
Shares held long term. Treatments range from zakat on the full market value to zakat only on the company’s zakatable assets attributable to your holding. The simple approach here is market value.
Missed years. Zakat for a year you did not pay remains owed, and should be calculated on that year’s wealth at that year’s nisab, not today’s. This page does one year at a time.
How to use this calculator
- Enter today’s 24K gold rate per gram — any jeweller’s board or live rate page will give it.
- Add a silver rate if you want to use the silver-standard nisab.
- Choose which nisab standard you follow.
- Enter cash and bank balances.
- Enter gold by karat — the calculator converts each to pure gold content before valuing it.
- Add investments, business stock and money owed to you.
- Subtract debts due now, not the whole balance of a long-term loan.
- Check whether the total clears the nisab; if it does, 2.5% is due.
Frequently asked questions
How much is the nisab in AED?
It depends on today’s metal price, because the nisab is a weight rather than an amount of money: 85 grams of 24K gold, or 595 grams of silver. At AED 482 a gram the gold nisab is about AED 41,000, but that figure moves daily — which is why this calculator asks for the rate instead of printing a threshold.
How do I calculate zakat on gold in the UAE?
Convert each piece to its pure gold content by purity — 24K is 999 parts per thousand fine, 22K is 916, 21K is 875, 18K is 750 — value that content at today’s 24K rate, add it to your other zakatable assets, and take 2.5% if the total clears the nisab.
Is zakat 2.5% of income or of savings?
Of wealth held, not of income earned. Zakat applies to zakatable assets you have held for a full lunar year — cash, gold, silver, investments, business stock — rather than to your salary as it arrives.
What is the zakat rate?
Two and a half per cent of zakatable wealth above the nisab, for cash, gold, silver, trade goods and similar assets. The rate itself does not change; only the nisab moves, with metal prices.
Should I use the gold or the silver nisab?
Both are classical thresholds and scholars differ. At modern prices the silver standard gives a much lower threshold, so more people become liable and more zakat is distributed, which is why some scholars prefer it. This is a question for your own religious guidance, not for a calculator.
Can I deduct my mortgage from my zakatable wealth?
The commonly held position is that you deduct only the instalments falling due within the year, not the entire outstanding balance — deducting the whole mortgage would eliminate most people’s zakat liability. Opinions vary, so ask a scholar about your circumstances.
Is zakat on jewellery I wear every day?
Scholars differ. Some exempt gold in regular personal use; others hold all gold zakatable regardless of whether it is worn. The calculator includes whatever you enter, so enter according to the opinion you follow.
Why is the lunar year used instead of the calendar year?
Because zakat falls due after one full lunar year of holding the wealth, about 354 days. Anchoring your zakat date to the Gregorian calendar gradually skips payments, so it is better to fix a Hijri date and keep to it.
Do you store my numbers?
No. Calculations run in your browser and nothing is sent to a server. See our Privacy Policy for analytics and AdSense cookie details.
Where these figures come from
The 2.5% rate and the nisab thresholds of 85 grams of gold and 595 grams of silver are the standard classical figures, derived from 20 mithqal and 200 dirhams respectively. They are stated in that form by Islamic charitable and zakat bodies, including Bahrain’s Kaaf zakat calculator, and in fatwa collections citing the classical measures. The purity ratios — 24K at 999 parts per thousand fine, 22K at 916, 21K at 875, 18K at 750 — are hallmarking definitions and cannot go stale.
What we did not find. We could not locate an official UAE Awqaf or zakat authority page stating a nisab figure, so nothing here is presented as a UAE government or Awqaf position. Nor does this page price the nisab for you: the gold and silver rates are inputs, because a baked-in threshold is wrong the day after it is written.
Last checked against the source: 30 October 2026. This is an arithmetic tool, not a religious ruling. Scholars differ on jewellery in use, long-term debt deductions, long-held shares and which nisab standard applies — those differences are flagged on the page rather than decided by it. Take your guidance from a qualified scholar.
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Disclaimer
Disclaimer: An arithmetic tool, not a religious ruling and not a fatwa. The 2.5% rate and the 85 g gold / 595 g silver nisab are the standard classical thresholds, but scholarly opinions differ on which standard applies and on how jewellery in use, long-term debts and long-held shares are treated. Take your guidance from a qualified scholar. Not affiliated with any Awqaf or zakat authority.