Ethical Finance Series

Zakat Calculator.
The Complete Picture.

Understand your Zakat obligations as an investor. Calculate Zakat on shares, savings, gold, and other assets with our interactive calculator and comprehensive methodology guide.

Identify Zakat-Eligible Holdings

Beyond the label.

Zakat is the third pillar of Islam: an obligatory annual charitable contribution of 2.5% on qualifying wealth held for a full lunar year above the Nisab threshold. For modern investors, calculating Zakat is complex because different asset types are treated differently depending on the investor's intention.

The Nisab is the minimum threshold of wealth that makes Zakat obligatory. It is equivalent to either 85 grams of gold or 595 grams of silver. Given the significant difference in their current market values, most contemporary scholars recommend using the silver Nisab as it is more inclusive and ensures more people fulfil this obligation.

Zakat on Investments: The Two Approaches

The 30% Method (Simplified)

A widely accepted simplified approach: calculate Zakat on 30% of the total market value of your equity holdings. This approximates the Zakatable portion (cash, receivables, and inventory) of the underlying companies without requiring detailed financial analysis of each holding.

Zakat = Market Value × 30% × 2.5%

The Full Accounting Method

For each company you hold shares in, calculate the Zakatable assets (cash + receivables + inventory) per share, multiply by your number of shares, and apply the 2.5% rate. This is more accurate but requires detailed balance sheet data for each holding.

Zakat = (Zakatable Assets per Share × Shares Held) × 2.5%

Interactive Zakat Calculator

Enter your asset values below to calculate your estimated Zakat obligation. All calculations are performed locally in your browser. No data is stored or transmitted.

Cash & Bank Savings (£)

Stocks & Shares Portfolio Value (£)

Pension (Accessible Portion) (£)

Gold & Silver Value (£)

Business Inventory / Receivables (£)

Liabilities / Debts Owed (£)

Frequently Asked Questions

Do I pay Zakat on my pension?

The majority scholarly view is that Zakat is due on the accessible portion of a pension. For a defined contribution (DC) pension, Zakat is typically payable on the current fund value if you have the right to access it (e.g., if you are over 55). For a defined benefit (final salary) pension, most scholars say Zakat is only due when you actually receive the income.

What is the Nisab threshold for 2026?

The Nisab is based on the current market price of gold or silver. Using the silver Nisab (595g of silver), the approximate threshold in 2026 is around £400-£500 GBP, though this fluctuates with commodity prices. Always check the current silver spot price for an accurate figure.

Is Zakat due on non-Shariah compliant stocks?

This is a nuanced question. Many scholars say Zakat is still due on the Zakatable portion of all stocks you hold, regardless of their compliance status. However, you should also separately address the issue of purifying any non-compliant income from your portfolio by donating the equivalent amount to charity.

Informed decisions. Not marketing.

Use the Titan Protect ethical screener to identify which holdings in your portfolio are Shariah-compliant, making your Zakat calculation and purification process more straightforward.

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Zakat Calculator. The Complete Picture.