Zakat in the UAE (2025): Nisab, Assets and Accurate Calculation + Free Calculator
Learn what counts towards Zakat, how to check Nisab using gold/silver benchmarks, how to handle debts and business inventory, and when to pay (lunar year). Use our free Zakat Calculator to compute 2.5% on eligible assets precisely.
Updated: Oct 27, 2025 · 10 min read · By ADAD Team
Quick summary
- Threshold: Zakat is due when your eligible wealth equals/exceeds Nisab for a full lunar year (hawl).
- Rate: Standard rate is 2.5% (1/40) on zakatable assets after deducting immediate debts.
- Calculator: Use the Zakat Calculator to apply current gold/silver benchmarks and local currency values.
Nisab: gold vs silver benchmark
Nisab can be measured using the value of 87.48g of gold (~7.5 tola) or 612.36g of silver (~52.5 tola). Many scholars recommend the silver standard to benefit more recipients, while others use gold for closer parity with contemporary wealth. Our calculator supports both approaches.
Note: Spot prices fluctuate. We reference live AED rates through our exchange logic so your Nisab check reflects current market conditions.
What is zakatable? What is not?
Zakatable (examples)
- Cash on hand and bank balances
- Gold and silver jewelry (differences of opinion on personal jewelry; many include it)
- Business inventory and trade goods at wholesale value
- Investments (shares held for sale, certain liquid instruments)
- Receivables (money owed to you that is likely to be repaid)
Generally not zakatable
- Primary home, personal car, basic household items
- Long‑term fixed assets not held for sale (e.g., business machinery)
- Personal use jewelry (some opinions exempt; follow your school or local scholars)
Debts and liabilities
Deduct immediate liabilities due within the Zakat year (e.g., unpaid bills, short‑term debts). Long‑term debts can be deducted according to the installment due within the year; methods differ among jurists—follow a consistent approach advised by your scholar.
How to calculate Zakat (2.5%)
- Sum all zakatable assets (cash, gold/silver, inventory, receivables, eligible investments).
- Deduct immediate liabilities due within the lunar year.
- Confirm the net amount is above Nisab for a full lunar year.
- Apply 2.5% to the net amount.
Use our Zakat Calculator to perform these steps accurately with live AED conversion where needed.
Business inventory and shares
Merchandise for resale is zakatable at its wholesale value on your Zakat date. For shares, if held for trading, use market value; if held long‑term for dividends, some scholars assess underlying zakatable assets proportionally. Seek guidance to apply a consistent method.
FAQs
- Which day to pay? Choose a Hijri date each year (e.g., Ramadan 1) and stick to it for consistency.
- Gold/silver jewelry? Many scholars include personal jewelry; follow your local guidance.
- Partial year assets? If your net remains above Nisab throughout the year, new additions typically join the total at the end‑date assessment.
This is a general guide; always consult qualified scholars for your situation.
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