Zakat calculator AED: Hanafi and Shafi'i

How the calculator works

Every amount is counted in the currency you choose. Gold and silver are valued on pure metal content: grams × karat ÷ 24 for gold, or grams × fineness ÷ 999 for silver, times the price you enter for one gram of 24k gold or 999 silver.
Worn jewellery and debts follow the madhab setting: the Hanafi default counts worn jewellery and takes off debts due within 12 months; the Shafi'i default does neither. You can change either one.
Long-term shares count the way you choose: the zakatable portion you worked out, 25% of their value (the NZF estimate) or their full value.
The nisab is the nisab weight of the chosen metal (85 g or 87.48 g of gold, 595 g or 612.36 g of silver) times your price. If all you hold is gold, the gold nisab is used, and if all you hold is silver, the silver nisab.
If your zakatable wealth is at or above the nisab, the estimate is 2.5% of it for a lunar year, or 2.577% for a Gregorian year. Every line of the working is shown under the result.

What this estimate assumes

Assumes this wealth has been at or above nisab for a full lunar year. Hanafi view: only the start and end of the year matter. Shafi'i and Hanbali view: it must stay above nisab all year. This is an estimate assumption that no scholar has reviewed.

What counts

Cash and savings: cash at home, bank and savings accounts, and money in wallets you can spend. Interest received is not your zakatable money and should be given away separately. This is an estimate assumption that no scholar has reviewed.
Worn jewellery: counted under the Hanafi view. Not counted under the Shafi'i view, or by the UAE Fatwa Council, if it is permissible jewellery you wear for adornment. Other views are not covered here. Gold kept for saving or investment, and men's gold, is always counted. This is an estimate setting that no scholar has reviewed.
Gold purity: value and nisab are based on pure gold content (grams × karat ÷ 24 × 24k price). Scholars differ on how gold mixed with other metals counts towards nisab; this tool counts pure gold content only. This is an estimate assumption that no scholar has reviewed.
Shares: shares you plan to sell count at today's market value. For long-term holdings, opinions differ: your share of the company's zakatable assets, the NZF 25%-of-value estimate, or the dividends only. This is an estimate setting that no scholar has reviewed.
Business stock: goods held for sale at today's sale value, plus business cash and money owed to the business. Equipment, premises and vehicles used in the business are not counted. This is an estimate assumption that no scholar has reviewed.
Money owed to you: include only loans you expect to get back. Leave out doubtful debts until they are repaid. This is an estimate assumption that no scholar has reviewed.
Debts: enter only amounts due now or within the next 12 months, capital only (no interest), following NZF's guidance and common contemporary practice. The Hanafi view reduces zakat by such debts. The relied-upon Shafi'i view does not deduct debts. Other views are not covered here. This is an estimate setting that no scholar has reviewed.

Settings

Madhab view: this changes two defaults, worn jewellery and debts, and you can change either one. Under both settings, everything you hold (unless it is one metal on its own) is added together and tested against one nisab. Scholars differ on combining gold, silver and cash, and no scholar has checked this. Maliki and Hanbali views are not offered as a setting here. This is an estimate setting that no scholar has reviewed.
Nisab basis: gold or silver, used when you hold cash, other assets or both metals together. If all you hold is gold, the gold nisab is used, and if all you hold is silver, the silver nisab (as NZF describes). The UAE Fatwa Council uses gold for cash. Many charities, including NZF, suggest silver because it reaches more people who need zakat. This is an estimate setting that no scholar has reviewed.
Nisab weight: 85 g gold / 595 g silver (UAE Fatwa Council) or 87.48 g / 612.36 g (7.5 / 52.5 tola, common in South Asia). Scholars differ on the old coin weights. This is an estimate setting that no scholar has reviewed.
Rate: 2.5% for a lunar (Hijri) year. If you track zakat on the Gregorian calendar, 2.577% is used to cover the extra 11 days (reported AAOIFI practice). This is an estimate setting that no scholar has reviewed.

Not covered here

Crops (ushr), livestock, property and the hawl over time. The calculator gives a one-off estimate for one date. Maliki and Hanbali are not offered as settings.

Convert the nisab between grams, tola and karats

Questions

Is worn gold jewellery included?

It depends on the view you choose. Under the Hanafi view, worn jewellery is counted. Under the Shafi'i view, and by the UAE Fatwa Council, permissible jewellery you wear for adornment is not counted. Gold kept for saving and men's gold are always counted. Ask a scholar you trust about other views.

Which debts can I deduct?

This calculator asks only for debts due now or within the next 12 months, capital only, without interest, a limit taken from NZF's guidance. The Hanafi view reduces zakat by such debts. The relied-upon Shafi'i view does not deduct debts, so the Shafi'i setting leaves them out unless you change it.

Why is the Gregorian rate 2.577%?

A Gregorian year is about 11 days longer than a lunar year. If you work out zakat on a Gregorian date each year, 2.577% is used to cover the extra days, which NZF reports as AAOIFI practice. With a lunar (Hijri) year the rate is 2.5%.

Is my data sent anywhere?

No. The calculator runs in your browser. Nothing you type is sent to Zakifi or anyone else, and nothing is saved. Closing or reloading the page clears your figures. The result is an estimate from a calculator, not a fatwa, and no scholar has reviewed it.

Sources

All accessed 10 November 2026. Where a source reports another body second-hand, it is marked. These are the references we read; they are not approval of this page.

UAE Council for Fatwa statement on zakat nisab, jewellery and the lunar year (8–9 Apr 2024), Emarat Al Youm
UAE Council for Fatwa statement on zakat (Apr 2024), Aletihad
Nisab: gold and silver thresholds, National Zakat Foundation (UK)
Nisab of gold and silver in grams (Darul Iftaa, Mufti Ebrahim Desai), IslamQA.org (Askimam)
Nisab of gold and silver (Shafi'i), General Iftaa Department, Jordan, via IslamQA.org
Can a solar year be used for zakat calculation? (reports AAOIFI 2.577%), National Zakat Foundation (UK) (reported second-hand)
Should the minimum zakatable amount be measured by the gold or silver standard?, SeekersGuidance
Zakah on jewellery used daily (fatwa 2310/H=713/th=1431), Darul Uloom Deoband, via IslamQA.org
Zakat on women's jewellery (Shafi'i), General Iftaa Department, Jordan, via IslamQA.org
Zakat on gold jewellery, Office of the Mufti, MUIS Singapore
Zakat on gold worn by men, IslamQA.org (Shafi'i fiqh)
Is zakat payable on the gold and silver jewelry that a woman owns?, Dar al-Ifta al-Misriyya
Which debts affect zakat for both debtor and creditor?, SeekersGuidance
Does debt prevent zakat? (Shafi'i, citing Mughni al-Muhtaj), General Iftaa Department, Jordan, via IslamQA.org
Which debts can be deducted from my zakat calculation?, National Zakat Foundation (UK)
Zakat on stocks and shares, National Zakat Foundation (UK)
Zakat on shares held for dividends (Shafi'i), General Iftaa Department, Jordan, via IslamQA.org
Is it necessary to own zakatable assets above the nisab for the entire year?, National Zakat Foundation (UK)
When is zakat due? (Shaykh Faraz Rabbani), Qibla, via IslamQA.org
Tola (unit), Wikipedia

Last reviewed: 10 Nov 2026 (not reviewed by a scholar)

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