What is the nisab for Zakat in 2026?

Nisab is the minimum wealth at which Zakat becomes due. It equals 87.48 g of gold or 612.36 g of silver (commonly rounded to 85 g / 595 g). Its rupee value changes with the metal price, so enter today's local gold or silver price per gram and the tool computes the threshold for you.

Is Zakat 2.5% of total savings or only above the nisab?

Once your net wealth reaches the nisab, Zakat is 2.5% of the whole net amount, not just the part above the nisab. The nisab is only a gate that decides whether Zakat applies at all. Below it, no Zakat is due; at or above it, the full 2.5% applies.

How much Zakat do I pay on gold jewellery?

Value your gold at today's market price per gram, then apply 2.5%. So 50 g at Rs 32,000/g is Rs 1,600,000, and Zakat on that alone would be Rs 40,000. Whether everyday personal-use jewellery is included depends on your school: the Hanafi view includes it (the tool's default); the Shafi‘i, Maliki and Hanbali views exempt personal-use jewellery. Toggle this on the calculator.

Do I pay Zakat on money I have lent to someone?

Yes, on good debts — money you reasonably expect to be repaid is part of your zakatable wealth and is added at face value. Doubtful or bad debts are usually left out until recovered. Enter recoverable loans in the receivables field.

How do I calculate Zakat in Sri Lankan rupees?

Add your cash, the rupee value of your gold and silver, trade stock, good receivables and tradable investments. Subtract debts due now. If that net figure is at or above the nisab value in rupees, multiply it by 2.5%. This calculator does each step and shows the working.

Should I use the gold or silver nisab?

Both are valid. The silver nisab is lower in rupee terms, so it catches more payers and means more reaches those in need — many contemporary scholars recommend it for cash-rich holders, and it is this tool's default. Some follow the gold nisab. Pick the basis you and your scholar are comfortable with; the tool supports both.

Does this tool track the one-year (hawl) holding period?

No. Zakat is due on wealth held for one full lunar year. The calculator assumes you have met the hawl and states it as an assumption — it does not track hijri dates. If your wealth dipped below the nisab during the year, check the timing with a scholar.

Are the gold and silver prices live?

No. Prices are editable inputs, not a market feed, so the result is deterministic and offline. Enter today's local price per gram from a source you trust (the local gold market or a CBSL reference). The defaults are illustrative placeholders, not authoritative quotes.

Does this calculate Zakat al-Fitr or agricultural Zakat?

No. This tool covers Zakat on wealth (mal) — cash, metals, stock, receivables and trade investments. Zakat al-Fitr (the per-head Ramadan charity), agricultural Zakat (ushr), livestock and rikaz use different rules and rates. Speak to a scholar for those.

Sri Lanka · Finance

Zakat Calculator (Sri Lanka, LKR)

Work out your Zakat on cash, gold, silver, business stock and receivables at the fixed 2.5% rate, after checking your wealth against the nisab — all in Sri Lankan rupees, entirely in your browser, with every assumption stated and cited.

By Induwara Ashinsana— Executive Director, Ryzera TechnologiesUpdated Jun 8, 2026

Calculate your Zakat2.5% of net wealth

AAOIFI SS 35 · 1/40 rule

Try an example

Your zakatable assets

Cash in hand & bank

Savings, current accounts, cash on hand.

Business stock / inventory

Market value of goods held for sale.

Receivables / good debts

Money lent that you expect back.

Shares & investments for trade

Holdings bought to trade, at market value.

Gold held (grams)

Jewellery and/or bullion, in grams.

Silver held (grams)

Jewellery and/or bullion, in grams.

Liabilities due now

Short-term debts payable now (e.g. this month's supplier bill). Deducted from your assets.

Current metal prices (LKR / gram)

Gold price

Rs/g

Per gram, in rupees.

Silver price

Rs/g

Per gram, in rupees.

Nisab basis

Silver gives a lower threshold, so more people qualify — the contemporary majority recommendation.

Personal-use gold jewellery

Include = Hanafi view (default). Exclude = Shafi‘i/Maliki/Hanbali personal-use exemption.

Zakat due this year

Rs 0

Your net wealth is below the nisab of Rs 232,697. No Zakat is obligatory this year. Shortfall to nisab: Rs 232,697.

Net zakatable wealth

Rs 0

Nisab (silver)

Rs 232,697

612.36 g × Rs 380/g

Total assets

Rs 0

Less liabilities Rs 0

Asset breakdown

Enter your assets above to see the line-by-line breakdown and your Zakat.

Scope: cash, gold, silver, trade inventory, good receivables and tradable investments, less currently-due debts. Excludes agricultural zakat (ushr), livestock, rikaz and Zakat al-Fitr — ask a scholar for those.

Nisab weights: gold 87.48 g, silver 612.36 g. Rate fixed at 2.5% (1/40) by ijmā‘. Sources: AAOIFI Shari'ah Standard No. 35 and the National Zakat Foundation — cited in full below. Verified against the 1/40 rule.

How it works

Zakat is an annual payment of 2.5% — a quarter of one tenth, or one fortieth (1/40) — on qualifying wealth that has been held for one full lunar year (the hawl), provided that wealth is at or above a minimum threshold called the nisab. This calculator follows the method set out in AAOIFI Shari'ah Standard No. 35 (Zakah) and the classical nisab weights documented by the National Zakat Foundation.

Sum your zakatable assets. Add cash, the market value of gold (grams × price/g) and silver, business stock at its sale value, good receivables (money you expect back), and investments held for trade. Metals are valued at the current market price per gram, which you enter — the tool does not fetch a live price.
Deduct liabilities due now.Subtract short-term debts that are currently payable (for example, this month's supplier bill or instalment). Long-term debt is deductible only to the extent of the amount due now. The result is your net zakatable wealth.
Compute the nisab. Gold nisab = 87.48 g × gold price; silver nisab = 612.36 g × silver price. These are 20 mithqāl of gold and 200 dirhams of silver (often rounded to 85 g and 595 g). The basis you pick sets the threshold; silver is the default because its lower value means more payers qualify.
Test the threshold. If your net wealth is at or above the nisab value, Zakat is obligatory (assuming the hawl is met). Otherwise no Zakat is due this year, and the tool shows how far you are from the threshold.
Apply the rate. Zakat = net wealth × 0.025. The 2.5% rate is fixed by scholarly consensus (ijmā‘) and is never editable. The whole net amount is charged once you are above the nisab — not only the part above it.

One point of difference between schools is everyday gold jewellery worn for personal use. The Hanafi school counts it as zakatable; the Shafi‘i, Maliki and Hanbali schools exempt personal-use jewellery. The calculator defaults to including it (the more cautious choice for the payer) and lets you switch to the exemption. Because the figure depends on your stated school and the price you enter, this tool reports a number from your own assumptions — it does not issue a religious ruling.

Worked examples

Ramadan trader — above nisab

Silver basis · gold Rs 32,000/g · silver Rs 380/g · jewellery included

Assets: cash 800,000 + stock 300,000 + gold 50 g × 32,000 (= 1,600,000) = Rs 2,700,000
Liabilities due now: Rs 200,000 → Net = Rs 2,500,000
Nisab (silver): 612.36 g × 380 = Rs 232,696.80
Net 2,500,000 ≥ nisab 232,696.80 → Zakat is due
Zakat: 2,500,000 × 2.5% = Rs 62,500

Salaried saver — below nisab

Silver basis · silver Rs 380/g

Assets: cash Rs 150,000, nothing else → Net = Rs 150,000
Nisab (silver): 612.36 g × 380 = Rs 232,696.80
Net 150,000 < nisab 232,696.80 → no Zakat this year
Shortfall to nisab: 232,696.80 − 150,000 = Rs 82,696.80

Gold-heavy holding — the jewellery toggle matters

Silver basis · gold Rs 32,000/g

Jewellery included: gold 100 g × 32,000 (= 3,200,000) + cash 100,000 = Net Rs 3,300,000
Net ≥ nisab → Zakat: 3,300,000 × 2.5% = Rs 82,500
Jewellery exempt (majority schools): only cash counts → Net Rs 100,000
Net 100,000 < nisab 232,696.80 → no Zakat. The difference is the cited school choice, not a bug.

Frequently asked questions

Sources & references

The nisab weights and the 2.5% rate on this page were last cross-checked against AAOIFI SS 35 and the NZF reference on 2026-06-08. Gold and silver prices are user inputs, not part of this verification. This tool computes a figure from your stated assumptions; it is not a fatwa. For rulings or your specific situation, consult a qualified scholar.

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