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Islamic finance · Malaysia 2026

Zakat Calculator

Work out your zakat on income, savings, gold and business in one place. Zakat is 2.5% of your zakatable wealth once it reaches the nisab — the threshold set at the value of 85 grams of gold. Because the gold price moves, this tool derives the nisab from a current gold price you can edit, so every asset type uses the same threshold. Each asset is checked against the nisab on its own, then the amounts are added up. Figures are educational estimates — confirm with your state zakat authority (LZS, PPZ-MAIWP and others) before paying.

Nisab (threshold) = RM 51,994.50. Wealth at or above this is subject to 2.5% zakat.

Nisab basis

Zakat on income

Zakat on savings

Zakat on gold

Zakat on business

Your zakat

Nisab (85g gold)

RM 51,994.50

Rate

2.50%

Turn on an asset type and enter amounts to see your zakat.

Estimate for educational use only — not a fatwa or financial advice. Nisab, uruf and accepted methods vary by state; confirm with your zakat authority before paying.

How it works

Zakat is 2.5% of zakatable wealth that has reached the nisab — the threshold equal to the value of 85 grams of gold. This calculator derives the nisab from the gold price you enter, so income, savings, gold and business are all measured against the same threshold.

Each asset type is checked against the nisab on its own. Kept gold uses a weight nisab of 85g; worn jewellery is exempt up to the uruf and only the excess is charged. Business uses the working-capital method (current assets − current liabilities, times Muslim ownership). The four amounts are then added into your total.

Why it matters

Zakat is one of the five pillars of Islam and, in Malaysia, payments to an approved zakat authority qualify for a ringgit-for-ringgit rebate against your income tax. Getting the nisab and method right means you neither underpay an obligation nor overpay — and the gold-price-linked nisab keeps the figure honest as prices move.

A worked example

Understand zakat

Suppose your gold price is RM611.70/g, so the nisab is RM51,994.50.

On RM120,000 annual income (gross method), zakat is 2.5% × RM120,000 = RM3,000, because the income is above the nisab.

On RM80,000 of savings (lowest balance over the year), zakat is 2.5% × RM80,000 = RM2,000.

On 100g of kept gold, zakat is 100 × RM611.70 × 2.5% = RM1,529.25. If you also wore 900g of jewellery with an 800g uruf, only the 100g excess is charged.

On a business with RM200,000 current assets and RM50,000 liabilities (fully Muslim-owned), zakat is 2.5% × RM150,000 = RM3,750.

Common mistakes

A few things people get wrong with zakat:

  1. 01Using a stale nisab

    The nisab tracks the gold price. A figure from last year can be thousands of ringgit off — update the gold price so the threshold is current.

  2. 02Charging all worn jewellery

    Worn gold is exempt up to the uruf (customary limit) of your state. Only the weight above the uruf is zakatable — and the uruf differs from state to state.

  3. 03Mixing kept and worn gold

    Investment gold you store uses an 85g weight nisab and is fully charged once it qualifies; worn jewellery uses the uruf. They are treated differently.

  4. 04Forgetting the haul

    Savings, gold and business zakat generally require holding the wealth for a full lunar year (haul). Income zakat is commonly paid as earned.

Zakat calculator — FAQ

7 common questions
What is the nisab for zakat in 2026?

The nisab is the value of 85 grams of gold. With a gold price around RM611.70/g (Lembaga Zakat Selangor's current reference), that's roughly RM51,994. It changes as the gold price moves, so update the price in the calculator for an accurate threshold. State authorities like PPZ-MAIWP may publish a slightly different figure depending on their reference date.

How much is zakat — what is the rate?

Zakat is 2.5% of your zakatable wealth once it reaches the nisab. This rate is the same across all states in Malaysia.

Do I pay zakat on my income?

Yes — zakat pendapatan applies to your annual income if it meets the nisab. You can use the gross method (2.5% of total income) or the net method (2.5% after deducting permitted basic needs such as yourself, dependents, EPF and support for parents). The deductions are estimates that vary by state.

Is zakat payable on jewellery I wear?

Worn jewellery is exempt up to the uruf — a customary limit set by your state (Selangor uses 800g; many states use 150–200g). Only the weight above the uruf is subject to zakat. Gold you keep as investment instead uses an 85g weight nisab and is charged in full once it qualifies.

How is business zakat calculated?

The common working-capital method takes current assets minus current liabilities (with any adjustments), multiplies by the Muslim ownership share, and charges 2.5% if the result meets the nisab. It suits businesses with clear financial statements.

Does paying zakat reduce my income tax?

Yes. In Malaysia, zakat paid to an approved authority is a ringgit-for-ringgit rebate against your income tax payable — so RM1,000 of zakat reduces your tax by up to RM1,000. See our income tax calculator for how the rebate fits in.

Is this calculator a fatwa?

No. It's an educational estimate. Nisab values, the uruf, accepted deduction methods and haul rules vary by state and over time. Always confirm with your state zakat authority before paying.

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