Zakat Calculator
Comprehensive UAE Zakat calculator covering cash, gold, silver, business inventory, investments, crypto, and debts. Supports all four madhabs.
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Pick a nisab basis on the left to begin. Silver is recommended — broader Zakat reach (~AED 5,000 threshold vs ~AED 45,000 for gold).Frequently asked questions
Hawl is the requirement that your wealth must remain above the nisab threshold for one full lunar (Hijri) year before Zakat is due. The 'Zakat date' is your annual anniversary of first reaching nisab. Many UAE residents simply use the same Hijri date each year (often 1 Ramadan or 1 Muharram) for convenience.
Silver nisab is much lower (~AED 4,960) than gold nisab (~AED 44,615). The majority scholarly recommendation is to use silver because it brings more Muslims into Zakat eligibility, which means more reaches those in need. UAE charities like IACAD typically calculate with silver nisab.
Hanafi scholars treat all gold and silver as zakatable regardless of use, citing the general obligation on precious metals. The other three madhabs (Maliki, Shafi, Hanbali) treat personal-use jewelry as analogous to clothing — exempt because it serves a daily function. The IACAD Dubai position aligns closer to the three-madhab majority for moderate jewelry quantities.
Yes. The AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) and the International Islamic Fiqh Academy classify cryptocurrency as Nuqud Istilahiyah — customary money. Treat it like cash at market value on your Zakat date. This includes Bitcoin, Ethereum, stablecoins like USDT, and tokens.
Personal residence: exempt. Rental property: Zakat is on the net rental income held at year-end, not on property value. Property purchased for resale (flipping): full market value is Zakatable. Long-term investment property held for capital appreciation: scholars differ — conservative position is to include net income only.
IACAD Dubai (Islamic Affairs and Charitable Activities Department) is the official UAE authority. You can also pay through recognized charities: Beit Al Khair Society, Dar Al Ber Society, UAE Red Crescent, Awqaf, and the Sheikh Zayed Charity Foundation. Avoid unverified pop-up charities, especially during Ramadan when Zakat scams increase.
Conservative majority position (Hanafi, Shafi, Maliki): no. Only debts currently due within the year are deductible. Some Hanbali and contemporary scholars allow deducting upcoming essential expenses. The calculator follows the majority position to avoid under-paying.
Convert all balances to AED using the exchange rate on your Zakat date and add them together. Same approach for foreign-currency cash held physically.
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