Zakat & Ushr Calculator – Calculate Cash, Gold, Silver & Agricultural Zakat Online

Zakat is one of the Five Pillars of Islam and a mandatory annual charity. Every Muslim who possesses wealth above the Nisab threshold for a full lunar year (Hawl) must pay 2.5% of that wealth. It is distributed to eligible recipients as mentioned in the Quran (Surah At-Tawbah 9:60) including the poor, the needy, those in debt and travellers in need.

Zakat is obligatory on every adult, mentally sound Muslim who owns wealth equal to or above the Nisab and has maintained that level of wealth for a complete lunar year (Hawl). It is not required on wealth below Nisab, nor on wealth held for less than a full year.

Nisab is the minimum threshold of wealth that makes Zakat obligatory. There are two standards: Gold Nisab (87.48 grams of pure gold) and Silver Nisab (612.36 grams of silver). Most scholars recommend the Silver Nisab. The monetary value changes with market prices.

Gold Zakat = Gold Weight (grams) x Purity Factor x Market Price per Gram x 2.5%. For example: 100g of 22K gold at Rs 15,000/g gives Gold Value = 100 x 0.9167 x 15,000 = Rs 13,75,050. Zakat = Rs 13,75,050 x 2.5% = Rs 34,376. This calculator handles purity conversion automatically.

Silver Zakat = Silver Weight (grams) x Market Price per Gram x 2.5%. For Tola, convert first: 1 Tola = 11.664 grams. Silver is included in total zakatable wealth and 2.5% is applied to the combined total after deducting immediate debts.

Cash Zakat includes all liquid assets: cash at home, bank savings, business cash, digital wallets and recoverable loans. Add all these, deduct immediate debts from total wealth, then apply 2.5% to the net zakatable amount.

Ushr literally means one-tenth. It is a mandatory agricultural charity in Islam, payable on produce at each harvest. Unlike Zakat, Ushr does not require a Hawl (full year) and applies to all agricultural produce including grain, fruits, vegetables and cash crops.

10% for natural irrigation (rain, river, spring water) and 5% for artificial irrigation (tube well, canal, borewell, pump). Formula: Ushr = Total Crop Value x Rate. If both methods are used, some scholars apply 7.5%.

Zakat applies to accumulated wealth (cash, gold, silver, investments) at 2.5% requiring one full lunar year (Hawl) above Nisab. Ushr applies to agricultural produce at 10% or 5%, payable at every harvest without a Hawl requirement. Both are Fard (obligatory).

This calculator uses standard Islamic jurisprudence (Hanafi school) formulas and provides accurate estimates when correct market prices are entered. Different madhabs may have varying rulings. We strongly recommend consulting a qualified Mufti or Islamic scholar before making your final Zakat payment.