Determine your exact annual Zakat obligation with scholarly precision and real-time precious metals valuation. Calibrated to classical Islamic jurisprudence (Fiqh az-Zakat) across the Hanafi, Shafi’i, Maliki, and Hanbali schools, this browser-based utility evaluates your net zakatable wealth against the classical Gold Nisab ($20\text{ Mithqāl / Dinars} = 85.00\text{g}$ or $87.48\text{g}$ Hanafi) and Silver Nisab ($200\text{ Dirhams} = 595.00\text{g}$ or $612.36\text{g}$ Hanafi). Features real-time spot bullion rates across more than 50 world currencies (SAR, USD, AED, PKR, INR, GBP, EUR, CAD, KWD, QAR, and more) with flexible weight units (Grams, Tolas, Troy Ounces) and automatic purity karat multipliers (24K, 22K, 21K, 18K). Effortlessly aggregate cash, tradable equities, cryptocurrencies, business inventory, and receivables, while deducting immediate short-term living debts. Includes a dynamic visual threshold gauge, juristic gold vs. silver divergence analysis (Anfa’ lil-Fuqara’ vs. Ghina), dual lunar ($2.50%$) and solar ($2.577%$) rate calculations, a 1200×630 high-DPI calligraphic social card generator, 1-click WhatsApp summary exporter, and CSV balance sheet audits. Runs 100% client-side with complete privacy guarantee zero personal financial data ever leaves your device.
Universal Zakat Nisab & Bullion Valuation Matrix
Calibrated to classical Islamic metrology across the Hanafi, Shafi'i, Maliki, and Hanbali schools. Compute your exact Nisab thresholds across global currencies, aggregate net zakatable wealth, evaluate juristic opinions, and verify your annual Zakat obligation.
⚙️ Valuation & Asset Ledger
100% Private (In-Browser)Interactive Nisab Diagnostic Gauge
Above Both ThresholdsVisualizing your net zakatable wealth against classical Gold and Silver Nisabs in real time.
Classical Jurisprudence: The Gold vs. Silver Nisab Divergence
During the Prophetic era, 20 Mithqāl of gold (85g) equaled 200 Dirhams of silver (595g) at a historical purchasing power ratio of 1:10. Due to modern precious metal industrialization, silver has depreciated significantly relative to gold (often 1:80+), creating two vastly different monetary thresholds today.
| Criteria | 🥈 Silver Standard (595g / 612.36g) | 🥇 Gold Standard (85g / 87.48g) |
|---|---|---|
| Classical Reference | 200 Silver Dirhams (Hadith Bukhari) | 20 Gold Dinars / Mithqāl (Hadith Abu Dawud) |
| Current Monetary Value | 0.00 | 0.00 |
| Juristic Rationale | Benefiting the Poor (أنفع للفقراء): Adopted strictly by the Hanafi school. Because the threshold is lower, more Muslims qualify as givers, maximizing relief for the impoverished. | Surplus Affluence (الغنى المعتبر): Favored by many contemporary scholars for cash/currency, arguing that a few hundred dollars does not constitute real wealth in modern economies. |
| Primary Endorsements | Classical Hanafi Madhhab, Darul Uloom Deoband, majority of South Asian & Turkish jurists. | Fiqh Council of North America, European Council for Fatwa & Research, various contemporary Arab jurists. |
| Practical Ruling for Cash | If your net cash/merchandise exceeds this, Zakat is obligatory according to Hanafi Fiqh. | If adopting the Gold standard, Zakat becomes fard only once wealth exceeds this higher threshold. |
💡 The Safest Path (Al-Ihtiyat / الإحتياط في الدين)
Classical scholars universally recommend adopting the Silver Nisab for liquid wealth and paper currency. Giving Zakat purifies one's wealth, shields one from spiritual accountability, and directly alleviates poverty. If you have any doubt, paying on the lower threshold fulfills all scholarly schools beyond dispute.
Itemized Zakat Balance Sheet
Audit Period: 1 Lunar Year (Hawl)Shareable Calligraphic Nisab Card
1200 × 630 High-DPIGenerate an elegant, high-resolution calligraphic summary card suitable for social media, WhatsApp, or personal financial records.