Calculating your Zakat comes down to three steps: work out your total zakatable wealth, check whether it is above the nisab threshold, and if it is, give 2.5 percent of it. The arithmetic is simple. The part that takes care is knowing what counts as zakatable wealth and what does not. For your own situation, a knowledgeable scholar can confirm the details.
Here is the method.
Step 1: Add up your zakatable wealth
Zakat is due on certain types of wealth that have been in your possession for a full lunar year. Commonly zakatable assets include:
- Cash, in hand and in the bank
- Gold and silver
- Money owed to you that you expect to receive
- Business inventory and trade goods
- Certain savings and investments
You then subtract immediate debts and liabilities you owe. The result is your net zakatable wealth.
Step 2: Check it against the nisab
The nisab is the minimum threshold of wealth a person must hold before Zakat becomes obligatory. It is based on the value of a set amount of gold or silver. Because gold and silver prices change constantly, the nisab in taka changes too, so check the current value when you calculate. If your net zakatable wealth is below the nisab, Zakat is not due. If it is at or above it, you proceed.
Step 3: Give 2.5 percent
For wealth above the nisab held for a full lunar year, the rate is 2.5 percent. So for every 100,000 taka of net zakatable wealth, the Zakat due is 2,500 taka. Multiply your net zakatable wealth by 0.025 and that is your Zakat.
A simple worked example
Suppose your cash, gold, and business goods total an amount comfortably above the nisab, and you owe some immediate debts. Subtract the debts to get your net zakatable wealth, confirm it is above the current nisab, then take 2.5 percent of that net figure. That amount is what you give.
Common questions about what counts
People often ask about specific assets: your primary home and personal-use items are generally not zakatable, while gold jewellery and investments often are, depending on the ruling you follow. Where you are unsure, ask a knowledgeable scholar rather than guessing, since the details matter for an obligation. (See Sadaqah vs Zakat for how Zakat differs from voluntary giving.)
Giving your Zakat
Once you have your figure, give it to eligible recipients through a trustworthy channel. A verified platform lets you confirm the cause is genuine and that Zakat is handled correctly, and follow where it goes. On Uddom, you can give your calculated Zakat to a verified campaign. (See how to give Zakat online.)
Frequently asked questions
What is the Zakat percentage? For most zakatable wealth held above the nisab for a full lunar year, the rate is 2.5 percent. For every 100,000 taka of net zakatable wealth, that is 2,500 taka.
How do I know the current nisab? The nisab is based on the value of a set amount of gold or silver, which changes with market prices. Check the current value when you calculate, and consult a scholar if you are unsure which standard to use.
By Md. Sowad Al-Mughni, Uddom. Last updated: June 2026.