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Zakat on Shares & Crypto

Zakat on shares and crypto is 2.5% of their value, with the exact basis depending on whether you hold to trade or long term. This calculator covers stocks, funds, pensions and cryptocurrency in any currency. Enter your investments below to see what is due.

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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

Shares bought to trade are zakatable at full market value. Shares held long term for dividends are zakatable on the underlying assets, commonly estimated at about a quarter of value. Cryptocurrency is treated like a trading asset, zakatable at full market value. All at 2.5%, on your zakat date.

Zakat on shares and stocks

Shares are zakatable, but how you value them depends on your intention in holding them, and this is the key distinction that most people get wrong.

If you buy shares to trade, aiming to profit from price movements and sell them on, they are treated as stock in trade. Their full market value on your zakat date is zakatable at 2.5%, just like a shopkeeper's inventory.

If you hold shares long term as an investment, for the dividends and long-run growth rather than to sell soon, then zakat is due only on the zakatable assets of the underlying company, its cash, receivables and stock, not on its buildings and machinery. Calculating this precisely requires the company's balance sheet, so where that is not practical, many scholars accept a common estimate of around 25% of the market value as the zakatable portion. The calculator lets you enter either the full value for trading shares or the estimated zakatable portion for long-term holdings.

Zakat on cryptocurrency and Bitcoin

Cryptocurrency such as Bitcoin, Ethereum and stablecoins is a modern asset, but the ruling is well established by analogy: it is treated as a tradeable asset, similar to shares held to trade or to a currency. Its market value on your zakat date is zakatable at 2.5%. This applies whether you hold it as an investment or use it actively. If you hold stablecoins pegged to a currency, they are effectively cash and zakatable at face value. Enter the current market value of your crypto in the calculator.

A worked example

Suppose you hold 5,000 of shares you actively trade, 8,000 of shares held long term for dividends, and 2,000 of Bitcoin. The trading shares count in full (5,000). The long-term shares count at about 25% (2,000). The crypto counts in full (2,000). Your zakatable investment wealth is 9,000, so the zakat on it is 9,000 × 2.5% = 225.

Zakat on funds, ISAs and pensions

  • Mutual funds and unit trusts follow the same rule as shares: full value if held to trade, underlying assets if held long term.
  • Pensions are zakatable on the portion you can access, typically your own vested contributions. Pensions with no access are treated differently by different scholars.
  • Dividends received and still held are part of your cash and zakatable at full value.
  • Sukuk (Islamic bonds) are generally zakatable at market value.

When is zakat on investments due?

As with all wealth zakat, investments are assessed on your zakat date once your total wealth has been above the nisab for one lunar year. You value your holdings at the market price on that day. You do not pay separately each time you buy or sell during the year; you simply take a snapshot on your zakat date. See Nisab Today for the threshold and timing.

Purifying non-compliant income

If some of your investment returns come from non-compliant sources, for example a small interest component within a fund, that portion should be purified by giving it away separately, not counted as your own wealth. This purification is distinct from zakat. For share portfolios in mixed businesses, a scholar or an Islamic finance screening service can help you identify the amount.

Related pages

See also Zakat on Cash and Savings, Zakat on Gold, or the full Zakat Calculator which brings every asset together.

Frequently asked questions

How much zakat on shares?

It depends on intention. Shares bought to trade are zakatable at full market value, 2.5%. Shares held long term for dividends are zakatable on the underlying assets, commonly estimated at around a quarter of market value.

Is zakat due on cryptocurrency?

Yes. Cryptocurrency such as Bitcoin is treated like a tradeable asset. Its market value on your zakat date is zakatable at 2.5%, like shares held to trade.

Do I pay zakat on my pension?

On the accessible portion, yes. Your own vested contributions that you could withdraw are generally zakatable.

How do I value shares for zakat?

Use the market price on your zakat date. Count the full value for trading shares, or about 25% for long-term holdings.

Is zakat due on dividends?

Yes. Dividends received and still held on your zakat date are part of your cash wealth and zakatable at 2.5%.

This calculator gives a reliable estimate for ordinary situations and is not a substitute for a scholarly ruling. For complex portfolios or business shareholdings, consult a qualified scholar or an Islamic finance specialist.