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وَأَقِيمُوا الصَّلَاةَ وَآتُوا الزَّكَاةَ وَأَطِيعُوا الرَّسُولَ لَعَلَّكُمْ تُرْحَمُونَ

"And establish prayer and give Zakat and obey the Messenger that you may receive mercy." (Surah An-Nur 24:56)

Precision Zakat & Nisab Calculator

Fulfill your religious obligation with absolute confidence. Automatically calculates live Gold (87.48g) and Silver (595g) Nisab thresholds with full deduction support for assets, crypto, investments, and business inventory.

Gold Nisab (87.48 Grams)
$7,392.06 USD
Based on 24K pure bullion spot rate
Silver Nisab (595 Grams) Recommended
$583.10 USD
Favors the poor & safest standard (Jumhur)
100% Client-Side Privacy (Zero Data Stored) Mainstream Fiqh Council Consensus Free & Open-Access Islamic Tool

1 Nisab Benchmark & Calculation Settings

Select the threshold standard according to your preferred school of jurisprudence.

Hawl: 1 Lunar Year

2 Cash & Liquid Bank Accounts

Zakatable at 100% face value
$
$

Include PayPal, Venmo, Wise, or foreign currency balances.

3 Gold & Silver Possessions

Gold (Bars, Coins & Zakatable Jewelry) Total Value: $0.00
Silver (Bars, Bullion & Ornaments) Total Value: $0.00

4 Investments, Crypto & Business Inventory

Trade & liquid market values
$

For active trading enter 100% market value; for passive long-term hold enter ~30-40% proxy (see guide below).

$

Bitcoin, Ethereum, USDT, USDC at current market fiat equivalent.

$

Wholesale/cost value of merchandise ready for sale. Do NOT include office machinery or factory buildings.

$

Only include loans that you realistically expect to be repaid.

5 Liabilities & Allowable Deductions

These amounts will be subtracted from your total gross assets.

Immediate / Short-term
$

Unpaid personal debts due immediately or this month.

$

Pending utility bills, employee wages due, or commercial invoices due now.

Important Fiqh Rule on Mortgages & Long-Term Loans: You cannot deduct the entire multi-year principal of a mortgage or car loan. You may only deduct the installment payment due in the current calculation period.
Official Summary

Zakat Statement

Enter Assets
2.5% Rate (1/40th)
Total Zakat Due
$0.00 USD

Calculated based on net zakatable balance exceeding Nisab.

Total Gross Assets: $0.00
Deductible Liabilities: -$0.00
Net Zakatable Wealth: $0.00
Selected Nisab Standard: $583.10 (Silver)
Wealth vs Nisab Progress 0% of Threshold
*If calculating on a 365-day Gregorian solar calendar, the adjusted rate is 2.577% ($0.00).
Zakat Due (2.5%)
$0.00 Enter assets

Encyclopedic Knowledge Hub: Quick Table of Contents

01

The Philosophy, Theology & Jurisprudence of Zakat

Spiritual purification (Tatheer), systemic economic justice, and foundational Quranic mandates.

Zakat (الزكاة) is the third of the Five Pillars of Islam, standing as an immutable devotional obligation (Fard Ayn) binding upon every mentally sound, adult Muslim who possesses wealth equal to or exceeding a predetermined threshold known as the Nisab for the span of one full lunar year (Hawl). Far from being voluntary philanthropy (termed Sadaqah), Zakat represents a legally recognized entitlement belonging to the impoverished, mandated directly by the Creator:

وَفِي أَمْوَالِهِمْ حَقٌّ لِّلسَّائِلِ وَالْمَحْرُومِ
"And in their wealth there is a recognized right for the beggar who asks and for the destitute who does not ask."
Surah Adh-Dhariyat (51:19) Quranic Foundation of Wealth Redistribution

The Twin Meanings: Purification (Tatheer) and Growth (Numuw)

Linguistically, the Arabic root Z-K-W carries two complementary connotations: purification from moral and spiritual blemish, and fructification/expansion. Through the punctual discharge of Zakat:

  • Spiritual Purification: The donor purifies their soul from the destructive vices of greed (Shuhh), miserliness (Bukhl), and arrogant attachment to transient material goods. Wealth is held as a sacred trust (Amanah) from Allah, not as an unconstrained personal monopoly.
  • Economic Growth & Velocity of Money: By levying an annual 2.5% assessment on idle, hoardable liquid capital (gold, silver, cash balances, trading inventory), Islam actively penalizes stagnant capital hoarding. Investors are structurally incentivized to circulate wealth through productive, ethical enterprise, generating employment, purchasing power, and social equilibrium across society.
  • Historical Evidence from the Caliphate of Umar ibn Abdul Aziz: When equitable Zakat collection was rigorously institutionalized under the Umayyad Caliph Umar ibn Abdul Aziz (d. 101 AH), historical records document that regional governors in North Africa and Iraq could not find a single eligible pauper to accept Zakat disbursements, proving the economic power of an uncompromised Zakat ecosystem.

The Four Indispensable Legal Conditions of Obligation

Classical Islamic jurisprudence across all four canonical Sunni schools—Hanafi, Shafi'i, Maliki, and Hanbali—unanimously establishes four legal prerequisites that must concurrently exist before Zakat becomes legally binding upon an individual:

1. Islam

Zakat is a foundational act of Islamic worship (Ibadah) requiring conscious spiritual intention (Niyyah). Non-Muslim citizens in an Islamic state are subject to civil public taxation, not devotional Zakat.

2. Complete Ownership (Milk at-Tamm)

The individual must exercise undisputed legal title and unrestricted physical or legal possession. Wealth tied up in disputed assets, unvested stock options, or non-accessible escrow is exempt until control is realized.

3. Attainment of Nisab

Net qualifying wealth, after satisfying fundamental living necessities (food, primary shelter, basic clothing, transport) and immediate liabilities, must equal or surpass the monetary value of 87.48g gold or 595g silver.

4. The Passage of Hawl (One Lunar Year)

The wealth must have remained at or above the Nisab threshold continuously for the span of one full Islamic lunar year (354 days). This test ensures that only stable surplus wealth—never temporary cash flow—is subject to Zakat.

02

The Rules of Nisab: Gold vs. Silver Standards & Bimetallic History

Prophetic measurements, historical exchange dynamics, and contemporary scholarly consensus.

The Nisab (النصاب) is the statutory poverty-line benchmark established by Prophet Muhammad (ﷺ). Below this cutoff, a person is legally eligible to receive charity; at or above it, an individual is legally classified as affluent (Sahib an-Nisab) and obliged to pay Zakat.

Standard Metal Prophetic Sunnah Measure Metric Gram Equivalent South Asian Tola Units Modern Contemporary Application
Gold (Dhahab) 20 Mithqals (Shar'i Dinars) 87.48 Grams (or 85.00g) 7.5 Tolas Applied when an individual owns solely gold bullion or jewelry with no other assets.
Silver (Fiddah) 200 Shar'i Dirhams 595.00 Grams (or 612.36g) 52.5 Tolas Standard of Majority (Jumhur) for all mixed portfolios, fiat cash, business stock, and savings.

The Historical Evolution of the Gold-to-Silver Ratio

During the era of the Prophet Muhammad (ﷺ) and the Rightly Guided Caliphs, the Arabian monetary standard was strictly bimetallic: 1 gold Dinar was traded for approximately 10 silver Dirhams. Consequently, the value of 20 Dinars (87.48g gold) and 200 Dirhams (595g silver) possessed nearly identical purchasing power—both could purchase approximately 40 sheep or support a modest family for a full year.

Over the past two centuries, massive silver mining discoveries in the Americas coupled with the global demonetization of silver in favor of the gold standard and fiat paper currencies caused silver's commodity price to diverge dramatically. Today, the market gold-to-silver price ratio fluctuates between 1:75 and 1:90.

Why Modern Jurists Enforce the Silver Standard for Mixed Wealth

Contemporary Islamic Fiqh councils (including the UK Islamic Jurisprudence Council, Darul Uloom Deoband, the European Council for Fatwa and Research, and major Gulf religious bodies) strongly affirm that when a person holds mixed assets (e.g., paper cash, bank savings, crypto, trade stock), the Silver Nisab (595 grams) must be adopted.

The Principle of Anfa' lil-Fuqara: Classical jurisprudence enshrines the principle of acting in the maximum interest of the vulnerable. Because silver's monetary value is lower (~$500–$700), more moderately wealthy individuals qualify as Zakat payers, preventing hardship for the destitute.
When is the Gold Standard Used? Scholars permit relying on the Gold Nisab (~$7,000–$8,000) ONLY when an individual's wealth consists exclusively of physical gold with zero paper cash, bank accounts, or trade inventory.
03

The 5-Stage Step-by-Step Zakat Calculation Framework

Mathematical equations, Hawl anniversary protocols, and deductible liability rules.

Calculating Zakat with meticulous precision requires executing an audited arithmetic progression based on AAOIFI Standard No. 35. The fundamental equation is:

The Universal Zakat Mathematical Equation AAOIFI Standard 35
Step 1: Determine Net Zakatable Capital Net Zakatable Wealth = [Total Gross Liquid Assets] − [Allowable Immediate Liabilities]
Step 2: Compare Against Benchmark & Compute Due Rate If Net Zakatable Wealth ≥ Active Nisab Standard:
↳ Lunar (Hijri) Year (354 Days): Zakat Due = Net Wealth × 2.500% (or ÷ 40)
↳ Solar (Gregorian) Fiscal Year (365 Days): Zakat Due = Net Wealth × 2.577% (or 0.02577)

The 5 Sequential Stages of Audit

1

Establish Your Annual Zakat Anniversary Date (Hawl)

Zakat is calculated on a fixed date once every Islamic lunar year (354 days). The Hawl began on the day your net wealth first reached the Nisab. For ease of administrative discipline, many Muslims assign a specific recurring day—such as the 1st or 27th of Ramadan or 1st of Muharram—as their valuation snapshot date.

2

Inventory All Gross Zakatable Assets at Fair Market Value

On your anniversary, tally the fair market liquidation value of all qualifying assets:

  • Cash in hand, bank accounts, foreign currencies, PayPal/Wise digital balances.
  • Gold and silver bullion bars, coins, and scrap jewelry weight.
  • Business inventory goods purchased with the intention of commercial resale.
  • Trade investments: active day-trading stocks and liquid cryptocurrencies (100%).
  • Passive dividend stocks: either net liquid assets per balance sheet or standard 30%–40% proxy.
  • Good debts receivable: personal loans lent to trustworthy, solvent individuals.
3

Subtract Allowable Immediate Liabilities

Deduct only liabilities that are due immediately or within the current calculation period:

  • Deductible: Credit card balances already billed, overdue rent, utility bills, employee payroll due, unpaid trade supplier invoices.
  • Mortgage / Long-Term Debt Limitation: You cannot deduct the entire 25-year mortgage balance. You may only deduct the principal portion of the current monthly installment due on your calculation date.
4

Compare Net Balance Against the Live Nisab Threshold

If your Net Wealth is equal to or exceeds the active Silver Nisab value (595g of silver), Zakat is legally due. If your net balance is below this threshold, your Zakat due is zero, and you may be eligible to receive Zakat if in need.

5

Disburse 2.5% Directly with Sacred Intention (Niyyah)

Multiply your Net Zakatable Wealth by 2.5% (0.025). Transfer legal possession (Tamlik) of the funds to eligible Quranic recipients without unnecessary delay.

04

Comparative Fiqh: The Four Canonical Sunni Schools (Madhhabs)

A comprehensive scholarly matrix detailing points of consensus (Ijma) and legitimate juristic divergences.

While all four canonical Sunni schools—Hanafi, Shafi'i, Maliki, and Hanbali—agree unanimously on the core obligation, rates, and the 8 Quranic categories of beneficiaries, subtle juristic nuances exist regarding certain asset classes and administrative conditions. Below is an authoritative comparative breakdown:

Fiqh Issue Hanafi School Shafi'i School Maliki School Hanbali School
Personal Wearable Gold/Silver Jewelry Fully Zakatable: Unconditionally subject to 2.5% Zakat once Nisab is reached, regardless of wear. Exempt: Non-zakatable if worn customarily without extravagance. Exempt: Non-zakatable if used for customary personal adornment. Exempt: Non-zakatable for permissible customary personal wear.
Wealth of Minors & Mentally Incompetent Exempt: Zakat is not due on their wealth (as worship requires religious accountability/Taklif), except for agricultural produce (Ushr). Obligatory: Their legal guardian (Wali) must calculate and pay Zakat from their estate. Obligatory: Guardian discharges Zakat directly from the minor's qualifying assets. Obligatory: Guardian must fulfill Zakat obligation from the ward's property.
Hawl Interruption (Wealth Drops Mid-Year) Flexible: Nisab is verified at the start and end of the lunar year. Fluctuations in between do not reset the Hawl unless balance hits absolute zero. Strict: If wealth drops below Nisab for even a single day during the year, the Hawl resets and starts over when Nisab is regained. Trade Exception: For merchants, Hawl continues based on the initial trading capital even if liquidity fluctuates. Strict: Continuous maintenance of Nisab throughout all 354 days is required; dropping below resets the timer.
Zakat al-Fitr (Fitrana) Paid in Cash Permissible: Strongly recommended to pay equivalent monetary cash value to better serve the needy. Grain/Food Only: Must strictly be distributed in the form of staple food commodities (wheat, rice, dates). Food Grains: Must be paid in dominant regional staple food crops. Food Commodities: Classical position mandates staples; contemporary Hanbali scholars allow cash for necessity.
Long-Term Debt Deductions Debts demandable immediately or within current year are deductible. Debts do not prevent Zakat obligation if apparent assets exist. Debts only deduct from liquid gold/silver/cash, not livestock or agriculture. Debts reduce zakatable base across both apparent and hidden wealth.
05

Specialized Asset Hub: Modern Securities, Crypto & Real Estate

Shariah audit standards for equities, pensions, staking rewards, derivatives, and e-commerce inventory.

Modern wealth encompasses complex financial instruments unknown in classical times. The Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI Standard 35) provides definitive frameworks for evaluating these instruments:

STK Public Equities, Stocks, ETFs & Index Funds

Treatment depends on your investment horizon and intent:

1. Active Day-Trading / Swing Trading: Held for capital gains and short-term flipping. 100% of fair market value is zakatable at 2.5%.
2. Passive Long-Term Dividend Investing: Fixed assets (factories, intellectual property) are exempt. Pay 2.5% only on the company's net liquid working capital:
Method A (Audited): Net Zakatable Assets per Share × Shares Owned
Method B (Market Proxy): Total Portfolio Value × 30%–40% proxy rate
RE Real Estate, Properties, Land & REITs

Real estate is classified into 4 distinct Shariah categories:

Primary Personal Residence: 100% Exempt from Zakat.
Commercial Rental Properties: The capital value of the building/land is 0% exempt. Only net rental income saved in your bank account on your Hawl date is zakatable at 2.5%.
Property Flipping / Speculative Land: Purchased with intent to sell for profit. 100% of current fair market value is zakatable at 2.5% annually.
CRY Cryptocurrencies, DeFi, Staking & Stablecoins

Digital tokens possess customary monetary value (Thamaniyyah):

• Spot Tokens (BTC, ETH, SOL, USDT): 100% of liquidation value on your Hawl date at 2.5%.
• Staking & Liquidity Pools (LP): Both locked principal tokens and accumulated unharvested staking yields are zakatable at current spot price.
• NFTs & Digital Collectibles: Exempt if held as personal art; zakatable if acquired for speculative resale.
RET Retirement Funds: 401(k), IRA, Gratuity & Pensions

Evaluated based on the principle of Milk at-Tamm (complete unencumbered title):

• Accessible Funds (401k / Traditional IRA): Calculate the net surrender value: Total Vested Balance minus mandatory early penalties (e.g. 10%) and estimated tax withholdings. Pay 2.5% on the net accessible remainder.
• Roth IRA: Contributed principal is accessible penalty-free; fully zakatable.
• End of Service Gratuity / Unvested Pensions: 0% Zakat until funds are legally received in hand.
06

The 8 Quranic Categories of Zakat Beneficiaries (Masarif al-Zakat)

Surah At-Tawbah (9:60) theological analysis, modern application, and the mandate of Tamlik.

The recipients of Zakat are not left to human discretion or political decree; they are explicitly enumerated by Allah in the Holy Quran:

إِنَّمَا الصَّدَقَاتُ لِلْفُقَرَاءِ وَالْمَسَاكِينِ وَالْعَامِلِينَ عَلَيْهَا وَالْمُؤَلَّفَةِ قُلُوبُهُمْ وَفِي الرِّقَابِ وَالْغَارِمِينَ وَفِي سَبِيلِ اللَّهِ وَابْنِ السَّبِيلِ ۖ فَرِيضَةً مِّنَ اللَّهِ ۗ وَاللَّهُ عَلِيمٌ حَكِيمٌ
"Zakat expenditures are only for the poor (Al-Fuqara) and for the needy (Al-Masakin) and for those employed to collect it (Al-Amilina Alayha) and for bringing hearts together for Islam (Al-Mu'allafatu Qulubuhum) and for freeing captives or slaves (Fir-Riqab) and for those in debt (Al-Gharimin) and for the cause of Allah (Fi Sabilillah) and for the stranded traveler (Ibn as-Sabil) - an obligation imposed by Allah. And Allah is Knowing and Wise."
Surah At-Tawbah (9:60) The 8 Exclusive Beneficiary Channels
1. Al-Fuqara (The Destitute)

Individuals who possess no material wealth, or whose total assets fall significantly short of half their basic survival needs. They do not own wealth reaching the Nisab.

2. Al-Masakin (The Working Poor)

Those who have a modest income or employment, but their total earnings still fall below their essential subsistence costs, leaving them in continuous deficit without begging.

3. Al-Amilina Alayha (Zakat Administrators)

Designated professionals appointed by legitimate Islamic authorities or recognized charities to collect, audit, safeguard, and distribute Zakat funds. Their wages may be paid from Zakat.

4. Al-Mu'allafatu Qulubuhum (Reconciling Hearts)

New Muslims who need financial solidarity after facing familial expulsion, or those whose support directly shields vulnerable Muslim communities from harm.

5. Fir-Riqab (Freeing Captives)

Historically used to manumit slaves. Contemporary scholars apply this to liberating prisoners of war, victims of human trafficking, forced labor, and debt-bondage.

6. Al-Gharimin (Debtors Overwhelmed by Need)

Individuals carrying legitimate, non-frivolous debts (medical emergency bills, unavoidable business collapse) who lack sufficient assets to repay their creditors.

7. Fi Sabilillah (In the Cause of Allah)

Scholars classical and modern interpret this as defending Muslim lands, funding Islamic education, and advancing legitimate Da'wah initiatives that protect the faith.

8. Ibn as-Sabil (The Stranded Traveler)

A traveler who is cut off from their funds or has lost their resources while undertaking a permissible journey, eligible for aid to return safely home even if wealthy at home.

The Critical Principle of Tamlik (Transfer of Direct Ownership)

The vast majority of classical jurists mandate Tamlik (التمليك): the unconditional transfer of direct legal ownership of the Zakat wealth to the recipient. Consequently, general public utility projects—such as constructing mosques, paving highways, drilling communal wells, or paying hospital administrative utility overheads—cannot be funded via Zakat al-Mal, but must instead be financed through voluntary charitable endowments (Waqf) and Sadaqah Jariyah.

07

Zakat on Agricultural Produce (Ushr) and Livestock (An'am)

Rules for crops, harvest timing, irrigation differential (10% vs 5%), and livestock thresholds.

While trade wealth and currency are assessed at 2.5% annually upon the completion of a Hawl, agricultural produce is governed by Ushr (العُشْر). Ushr is tied directly to the harvest day, rather than the passage of a calendar year:

وَآتُوا حَقَّهُ يَوْمَ حَصَادِهِ

"And pay its due [Zakat/Ushr] upon the day of its harvest." (Surah Al-An'am 6:141)

Rain-Fed / Naturally Watered (10% Rate)

1/10th (10% of Gross Harvest)

Applies to farmland nourished by natural rainfall, rivers, or natural underground spring irrigation with minimal mechanical expense or labor.

Artificially Irrigated (5% Rate)

1/20th (5% of Gross Harvest)

Applies to modern crops irrigated through motorized tube-wells, canal pumps, diesel fuel tractors, or purchased water delivery systems incurring heavy operational costs.

Agricultural Nisab (The 5 Wasaq Benchmark):

According to the Jumhur (majority of jurists), agricultural produce is subject to Ushr only if the yield reaches 5 Wasaqs (approximately 653 kilograms or ~1,440 lbs of dry grains/dates). In the Hanafi school (Imam Abu Hanifah's classical verdict), Ushr is due on all agricultural earth harvest regardless of quantity, provided it is cultivated for profit.

08

Zakat al-Fitr (Fitrana) vs. Zakat al-Mal: Key Differences

A clear comparative analysis of timing, calculation base, rates, and exemptions.

Many Muslims confuse Zakat al-Fitr (Fitrana) with Zakat al-Mal. While both are divine mandates, they serve different functions and are calculated on entirely separate foundations:

Comparison Criterion Zakat al-Mal (Annual Wealth Tax) Zakat al-Fitr (Fitrana)
Core Nature & Basis Assessed on accumulated surplus wealth (gold, silver, cash, business inventory). Assessed on the individual person (head of household pays for self and all dependents).
Obligation Threshold Must possess wealth equal to or exceeding the Nisab for one full lunar year (Hawl). Due upon anyone possessing food exceeding one single day and night's sustenance for their family.
Mandatory Due Date Once per lunar year on your specific annual Hawl anniversary date. Must be disbursed before the Eid al-Fitr prayer at the end of Ramadan.
Rate / Amount 2.5% (or 1/40th) of net qualifying surplus assets. Fixed rate of 1 Sa' (~2.5–3 kg) of staple food grain or local cash equivalent (~$10–$15 per person).
Primary Spiritual Objective Purification of wealth and structural poverty eradication across the economic system. Purification of fasting from idle talk and ensuring the poor feast joyfully on Eid.
09

Estate Distribution, Inheritance (Mawarith) & Settling Zakat of the Deceased

Shariah legal hierarchy for settling religious debts prior to bequest or family inheritance.

When a Muslim passes away, their wealth does not immediately devolve to the surviving heirs. Classical Shariah law establishes an unalterable four-tier sequence of financial settlement:

1
Funeral & Burial Expenses:

Reasonable, unpretentious costs for the deceased's shroud (Kafan), grave preparation, and burial are settled first from the estate.

2
Settlement of Debts (Including Unpaid Zakat):

All outstanding commercial liabilities and divine religious obligations—unpaid Zakat from prior years, unfulfilled Kaffarah, and unpaid Mahr—must be deducted in full before any distribution to heirs.

3
Execution of Permissible Bequests (Wasiyyah):

Valid charitable wills or bequests to non-heirs are fulfilled, capped strictly at a maximum of one-third (1/3rd) of the remaining net estate.

4
Mandatory Inheritance Distribution (Mawarith):

The remainder is disbursed strictly in accordance with the divinely ordained Quranic shares (Surah An-Nisa 4:11-12) to surviving legal heirs.

The Prophet Muhammad (ﷺ) affirmed: "A debt owed to Allah has even greater right to be settled." (Sahih al-Bukhari 1953). In the Shafi'i, Hanbali, and Maliki schools, unpaid Zakat must be settled from the estate regardless of whether the deceased left explicit testamentary instructions.

10

Annual Zakat Audit & Asset Inventory Checklist

A comprehensive verification checklist to ensure no asset is omitted before disbursing your funds.

Use this practical Shariah audit checklist on your annual valuation date. Ensure every qualifying item is audited at current market cash value:

✓ Section A: Liquid & Precious Assets
✓ Section B: Enterprise & Investments
11

Encyclopedic Glossary of Islamic Finance & Zakat Terminology

22 essential Fiqh al-Mu'amalat terms, classical Arabic script, and practical financial definitions.

Master the foundational juristic vocabulary governing classical and modern Zakat administration:

Nisab (النصاب) نصاب

The minimum qualifying threshold of net wealth (87.48g gold or 595g silver) required before Zakat becomes mandatory.

Hawl (الحول) حول

One complete Islamic lunar year spanning 354 days, required for wealth retention before Zakat is assessed.

Tamlik (التمليك) تمليك

The mandatory legal transfer of direct, unconditional ownership of Zakat funds into the hands of an eligible beneficiary.

Milk at-Tamm (الملك التام) ملك تام

Complete, absolute ownership combining both undisputed legal title and the unrestricted capability to liquidate or utilize the asset.

Thamaniyyah (الثمنية) ثمنية

The monetary attribute of serving as an agreed medium of exchange, applied to gold, silver, fiat currency, and digital cryptocurrencies.

Mal Mustafad (المال المستفاد) مال مستفاد

New wealth acquired mid-year (salaries, gifts, profits) that pools into your existing Hawl cycle under the Hanafi school.

Ushr (العشر) عشر

The agricultural levy of 10% (naturally irrigated) or 5% (artificially irrigated) due immediately on harvest day.

Masarif (المصارف) مصارف

The 8 divine categories of recipients legally entitled to receive Zakat as designated in Surah At-Tawbah (9:60).

Dain Qawi (دين قوي) دين قوي

Strong loan receivable lent to a solvent, honest person; zakatable annually at 2.5%.

Dain Dha'eef (دين ضعيف) دين ضعيف

Bad or disputed debt owed by a defaulted or bankrupt party; 0% Zakat due while uncollected, and only 1 year due upon eventual recovery.

Rikaaz (الركاز) ركاز

Buried treasure or natural mineral troves discovered on private land, subject to an immediate 20% (one-fifth / Khums) assessment.

Fard Ayn (فرض عين) فرض عين

An individual personal religious obligation incumbent upon every capable believer, which cannot be delegated or waived.

12

Comprehensive Fatwa & Jurisprudence Q&A

Detailed answers to critical modern and classical scenarios, fully structured for Google Search Console FAQ schema.

This is one of the classic points of scholarly discussion across the schools of Islamic jurisprudence:
  • Hanafi School: All gold and silver jewelry is unconditionally subject to Zakat, regardless of whether it is regularly worn or kept stored, provided your total net wealth meets or exceeds the Nisab threshold.
  • Shafi'i, Maliki, and Hanbali Schools: Gold or silver jewelry worn routinely for customary, non-extravagant personal adornment is exempt from Zakat. However, jewelry acquired for investment, wealth preservation, commercial rental, or in excessive amounts beyond customary social norms remains fully zakatable across all schools.
Author & Editorial Authority (E-E-A-T Verified)
MAK

Muhammad Abdullah Khan Lead Author & Researcher

Senior Islamic Finance Researcher & Fiqh al-Mu'amalat Specialist (CIFE, M.A. Islamic Studies)

Over 12 years of specialized research in classical Islamic jurisprudence and contemporary commercial finance. He has authored comparative analyses on AAOIFI Shariah Standard No. 35 (Zakah) and formulated mathematical models for zakat on multi-tier wealth structures, modern retirement pensions (401k/IRA), corporate equity proxies, and digital assets.

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Have scholarly feedback on Nisab weight standards (87.48g gold vs 595.00g silver) or modern asset classifications? We welcome peer correspondence.

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