Tools · The third pillar
Zakat Calculator
Zakat is the obligatory yearly charity: 2.5% of your qualifying wealth, once it has sat above a threshold (the nisab) for one lunar year. The Quran calls it a right the poor hold over the wealthy, not a favour. Numbers you enter here never leave your device.
Step 1 · The nisab
The nisab is the value of 85g of gold (or 595g of silver; using silver gives a lower threshold and benefits the poor more, and many scholars prefer it). Look up today's price and enter the nisab value in your currency:
Search "85g gold price" or "595g silver price" for a current figure.
Step 2 · What you own
Count what you've held for a year (in practice: your stable wealth as of your zakat anniversary). Your home, car, and personal belongings are not counted.
Your zakat
Enter your figures above.
Who can receive zakat?
The Quran itself lists the recipients (9:60): the poor, the needy, those in debt, stranded travellers, those working to administer it, those whose hearts are to be reconciled, captives to be freed, and in the cause of Allah. It cannot go to your own dependants (you already owe them support) and is generally understood to be for Muslims; general charity (sadaqah) has no such limits.
I'm below the nisab or brand new to this.
Then no zakat is due, at all, and you may well be someone entitled to receive it. Zakat only binds those with genuine surplus wealth held across a year. New Muslims often assume they're behind on something; you aren't.
Pension pots, mortgages, student loans?
Genuinely contested territory, honestly. Common positions: accessible pension savings are zakatable, locked ones arguably on access; only currently-due instalments of long-term debt are deducted, not the whole mortgage. For your specific case, ask a knowledgeable scholar or a service like your national zakat foundation. The money guide covers the landscape.