Zakat Calculator 2026: Savings, Gold and Trading Accounts (USD, AED, SAR)

Currency

Nisab based on

Assets

Cash and bank balances

Trading account balances (forex and CFD)

Shares and funds held for trading (market value)

Long-term shares and funds (market value)

Zakatable share of long-term holdings (%)

Gold bars, coins and saved gold (grams)

Karat

Gold jewellery worn regularly (grams)

Karat

Count zakat on gold jewellery worn regularly

Silver (grams)

Money owed to you that you expect to receive

Other zakatable assets (business stock and similar)

Liabilities

Debts and bills due now

Prices used

Gold price (USD per ounce)

Silver price (USD per ounce)

Price last updated: gold live · silver live

I count my zakat year in Gregorian (solar) years (2.577%)

Zakat due

Net zakatable wealth-

Nisab-

This calculator is a guide, not a fatwa. Scholars differ on some points such as jewellery and long-term shares, so check with a scholar you trust where needed. Nothing you enter is saved or sent anywhere.

How zakat is calculated

Add up the zakatable wealth you own on your zakat date: cash, bank balances, trading account balances, shares held for trading, gold and silver, and money owed to you that you expect to receive.
Subtract debts and bills that are due now.
Compare the result with the nisab: the value of 85 grams of gold or 595 grams of silver.
If it reaches the nisab and you have held it for a full lunar year, zakat is 2.5% of the net amount.

Trading accounts, shares and gold

Trading accounts: use the account equity on your zakat date, including any open profit or loss. Shares held for trading are usually counted at full market value. For long-term holdings, some scholars count the full market value and others only the zakatable assets of the companies you own; enter the percentage you use. Gold and silver are valued at today's price for their purity (22K gold is 22/24 pure).

The gold price comes live from our gold price today page. Read more about how Islamic swap-free trading accounts work, or see the full comparison of each broker's swap-free terms.

Frequently Asked Questions

What is the nisab?

The nisab is the minimum amount of wealth on which zakat is due: the value of 85 grams of gold or 595 grams of silver. If your net zakatable wealth reaches the nisab and you have held it for a full lunar year, zakat is due at 2.5%.

Is zakat due on a forex or CFD trading account?

Money in a trading account is wealth you own, so most scholars treat it as zakatable at its value on your zakat date. Enter the account equity (balance plus any open profit or loss) on that day.

Is zakat due on gold jewellery?

Scholars differ. The Hanafi school counts jewellery as zakatable; the majority of scholars exempt jewellery kept for regular personal use. Use the jewellery option in the calculator according to the view you follow.

Should I use the gold or silver nisab?

The silver nisab is lower, so it makes more people liable for zakat, and many scholars prefer it because it benefits the poor more. Others use gold because it reflects today's values more closely. Ask a scholar you trust if you are unsure.