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Zakat Calculator UK

Calculate your zakat in pounds sterling with today's nisab from live gold and silver prices. Built for UK Muslims, this calculator covers cash, gold, pensions, ISAs and shares across all four schools, and defaults to GBP while letting you switch. Enter your wealth below.

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Fetching live prices
Gold, pure 24 carat
Silver, pure

Spot prices update automatically. Local retail rates can differ, so overwrite either box if your market prices gold higher.

Net zakatable wealth
0
Below nisab
Silver nisab0
Gold nisab0
01Cash and bankEverything liquid on your zakat date0
Cash in hand
Current and savings accounts
Fixed depositsCapital only. Interest is not yours to keep or to pay zakat on.
Digital wallets and prepaid balances
Money set aside for a future purposeHajj savings, a wedding fund, a deposit. Still yours, still zakatable.
Foreign currency heldConverted into your currency
02GoldBy weight and carat, or by value0
By weight
Gold you ownPurity is applied automatically
A second holding, different carat
Of that, worn as personal jewellery
By value
Coins, bars or other gold you already valued
Weight allowances many scholars permit: deduct roughly 2% for stones set into jewellery and about 25% for kundan work, since the setting is not gold. Enter the adjusted weight above.
03SilverJewellery, utensils, artefacts, bullion0
Silver you own
Silver you already valued
Household silver counts in full: cutlery, crockery, trays and decorative pieces. It is not exempt for being in daily use.
04Investments and savingsShares, funds, pensions, crypto0
Shares held to tradeFull market value on your zakat date
Shares held long termEnter the zakatable share of the company's assets if you know it, otherwise use about 25% of market value as a common estimate.
Dividends received and still held
Mutual funds, unit trusts, sukuk
Pension or provident fund, your accessible balanceYour own contributions plus any portion you could withdraw today
CryptocurrencyMarket value on your zakat date
Takaful or insurance, surrender value
Government deposits and refundable securities
05Money owed to youOnly what you expect to actually recover0
Loans you gave to family or friends
Salary, fees or refunds due to you
Rental income received and still held
Leave out anything you have effectively written off. A doubtful debt becomes zakatable in the year it is actually repaid.
06BusinessStock in trade, receivables, payables0
Saleable stock, at landed cost
Damaged or dead stock, at scrap value
Raw materials and finished goods
Owed to you from credit sales
Business cash and bank balances
Less: owed to your suppliers
Less: bad debts written off
Partnership share
Your capital balance, last accounts
Loans you advanced to the firm
Your estimated profit since then
Less: your drawings this year
Premises, machinery, vehicles and fixtures carry no zakat. Only what you bought to sell, and the cash the business holds.
07PropertyHeld to sell, not to live in0
Land or property bought to resellCurrent market value
Not zakatable: the home you live in, however many you own for family use, and property you rent out. Rent you have already collected and still hold does count, and belongs in section 05.
08What you oweDeductible within the next 12 months0
Borrowed money and goods bought on credit
Loan and mortgage instalments due in the next 12 monthsOnly the coming year, not the whole outstanding balance
Rent, utilities and bills already due
Wages owed to staff
Tax due now or overdue
Do not deduct bills that are not yet due, long term debt beyond the next 12 months, or any interest element. Interest is not a debt Islam recognises for this purpose.
09Farm produceUshr, calculated separately0
Ushr is a separate obligation with its own rules. It falls due at every harvest, not once a lunar year, and its threshold is roughly 653 kg of the crop, not the cash nisab. It is kept out of the figure above and reported on its own.
Value of produce watered by rain or springs10%
Value of produce watered by pump, canal or well5%
Value of produce watered by both7.5%
10Grazing livestockPaid in animals, not in cash—
Livestock zakat is not a percentage of value. It follows fixed bands and is paid in animals. Any calculator that charges you 2.5% of your herd's worth is wrong. Enter your numbers and this will tell you what is actually due.
Sheep and goats, free grazing, over one year
Cattle and buffalo, free grazing
Camels, free grazing
Poultry, fish farms and stall fed animals raised to sell are trade stock, not grazing livestock. Put their value in section 06 instead.

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This is sadaqah, not zakat. Your zakat belongs to the eight categories entitled to receive it, and this does not count as one. Please pay your zakat to them separately.
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Free to use, kept free by people like you

If this helped, help it keep going

This calculator will always be free, with no ads and no account. Your gift keeps it online and supports the work behind it: building tools and media that serve the Muslim community, and supporting the person who maintains them.

This is sadaqah, not zakat. Your zakat belongs to the eight categories entitled to receive it, and this does not count as one. Please pay your zakat to them separately.
Give whatever you wish

You set the amount on PayPal's secure page. No minimum, no card details shared with us, and nothing you typed above travels with it.

Zakat due 0

Your zakat summary

Send it to yourself, or to whoever pays it with you.

The short answer

Zakat in the UK is 2.5% of your net wealth in pounds, once it passes the nisab and has been held for one lunar year. Most UK scholars use the silver nisab (612.36g of silver), which is the lower threshold. The calculator above shows today's nisab in GBP and works out your zakat.

Calculating zakat in the UK

For British Muslims, zakat is the annual obligation to give 2.5% of accumulated wealth to those entitled to receive it. It applies to cash and current accounts, savings and ISAs, gold and silver, pensions, shares and investments, business assets, and money owed to you, once the total passes the nisab and has been held for one Islamic lunar year. The calculator above is set to pounds and today's nisab, so you can enter your wealth and read your zakat in GBP immediately.

The UK is home to Muslims of every school, and the calculator supports all four. Most UK mosques and charities recommend the silver nisab as the threshold, because it is lower and brings more people into the obligation. You can switch the basis and school in the calculator to match your own practice.

The nisab in pounds sterling

The nisab is fixed in weight, not pounds, so its GBP value changes daily with metal prices:

  • Gold nisab: 87.48 grams of gold
  • Silver nisab: 612.36 grams of silver, far lower in pounds and the one most commonly used

Because gold and silver prices move constantly, the nisab in pounds is different month to month. The calculator computes today's figure in GBP from live prices. For the standalone value, see Nisab Today.

Zakat on UK pensions

Pensions are one of the most asked-about assets for UK Muslims, and the treatment depends on access. For a defined-contribution pension, most scholars hold that the portion you could access, in practice your own vested contributions and their growth, is zakatable. For a defined-benefit (final salary) pension, where you have no pot and no access, most scholars say no zakat is due until you receive the income. Auto-enrolment workplace pensions fall between these; a common cautious approach is to pay on your own contributions. The calculator provides a field for the accessible pension balance so you can include the right amount.

Zakat on ISAs, shares and investments

UK savers hold much of their wealth in tax-advantaged accounts, and these are zakatable:

  • Cash ISAs are zakatable at their full balance.
  • Stocks and shares ISAs follow the rules for shares: full market value if held to trade, or the underlying zakatable assets (commonly estimated at around a quarter of value) if held long term for dividends.
  • Premium Bonds are zakatable at their face value, as they are effectively held cash.
  • General investment accounts, funds and crypto are all zakatable at market value.
A worked example

Suppose you have £8,000 in a current account, £5,000 in a cash ISA, £3,000 of gold, and £2,000 in accessible pension contributions, and you owe £1,000 on a credit card due this month. Your net wealth is £17,000, well above the silver nisab. Your zakat is £17,000 × 2.5% = £425.

Zakat and Gift Aid

If you pay your zakat through an eligible UK charity and you are a UK taxpayer, the charity can usually reclaim Gift Aid of 25p for every pound, at no cost to you. This does not change how much zakat you owe or how it is calculated; it simply increases the amount the charity receives. Your zakat obligation is fixed at 2.5% of your net wealth regardless.

Which debts you can deduct

Deduct debts due within the next twelve months: the coming year of mortgage or loan payments, credit-card balances you will clear, and bills already due. You may not deduct the entire outstanding mortgage or any interest element. In the Shafi'i school debts are not deducted at all. The calculator applies your school's rule.

Verifying today's prices

The calculator uses live gold and silver prices in pounds. The global benchmark is the LBMA, based in London. If you prefer a specific rate, you can enter it and the nisab recalculates.

Related pages

See also Zakat on Gold, Zakat on Cash and Savings, Nisab Today, or the full Zakat Calculator.

Frequently asked questions

What is the nisab for zakat in the UK 2026?

The nisab is fixed in weight, 87.48 grams of gold or 612.36 grams of silver, and its value in pounds changes daily. The silver nisab is far lower and is the one most UK scholars and charities recommend. The calculator shows today's figure in GBP.

Do I pay zakat on my pension in the UK?

Yes, on the accessible portion. For a defined-contribution pension you can usually count your own vested contributions. The calculator has a field for the accessible balance.

Do I pay zakat on my ISA?

Yes. Cash ISAs are zakatable at their full balance. Stocks and shares ISAs are zakatable like other shares.

Can I claim Gift Aid on zakat?

Zakat paid to an eligible UK charity can qualify for Gift Aid if you are a UK taxpayer, letting the charity reclaim 25p per pound. This does not change your zakat calculation.

Which nisab should UK Muslims use?

Most UK scholars and charities recommend the silver nisab because it is lower, so more people qualify and more reaches the needy.

This calculator gives a reliable estimate for ordinary situations and is not a substitute for a scholarly ruling. For pensions, complex estates, or business assets, consult a qualified scholar.