Calculate Your Nisab Threshold

Nisab is the minimum amount of wealth a Muslim must possess before they are required to pay Zakat. It is calculated as the value of 87.48 grams of gold or 612.36 grams of silver, whichever is lower.

Understanding Nisab Calculation

Nisab is calculated as the value of 87.48 grams of gold OR 612.36 grams of silver, whichever is LOWER. This means:

  • If gold-based Nisab is lower, it becomes the threshold
  • If silver-based Nisab is lower, it becomes the threshold
  • In most market conditions, silver-based Nisab is lower due to the higher weight requirement and lower price per gram

Important Note

This calculator helps you determine your Nisab threshold. If your wealth is below this amount, you are not required to pay Zakat. If it exceeds this amount, you should proceed to calculate your Zakat obligation.

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Your Nisab Threshold:

Calculate Your Zakat

Zakat is one of the Five Pillars of Islam, requiring Muslims to donate 2.5% of their qualifying wealth each year. Use our calculator to determine your exact Zakat obligation.

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Calculate Nisab using the calculator above

Your Zakat Calculation:

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Calculate Nisab using the calculator above

Your Zakat Calculation:

Help & Resources

How to Find Current Gold/Silver Rates

To calculate your Zakat accurately, you need to know the current market rates for gold and silver in your local currency. Here's where to find reliable rates:

  • Local Jewelers and Bullion Dealers: Visit reputable jewelers in your area who can provide current rates.
  • Central Bank Websites: Bank Indonesia (BI) for Indonesia, Bank Negara Malaysia (BNM) for Malaysia.
  • Financial News Websites: Sites like Bloomberg, Reuters, or local financial news portals.
  • Dedicated Precious Metals Websites: Sites like GoldPrice.org, Kitco, or BullionVault.
  • Mobile Apps: Apps like Gold Price Live, Bullion Tracker, or local financial apps.

It's recommended to check rates from multiple sources and use an average or the rate from where you would typically buy/sell precious metals.

Country-Specific Resources:

  • Indonesia: Indonesian Gold & Silver Association (Asosiasi Emas dan Perak Indonesia), PT Antam (gold producer), local jewelers, Bank Indonesia
  • Malaysia: Malaysian Gold Association, Public Gold, Poh Kong, local gold shops, Bank Negara Malaysia

How to Find Official Nisab Values

Nisab values are typically announced by official Islamic authorities or government bodies, especially before Ramadan. Here's where to find official announcements:

  • Official Government Announcements: Religious affairs ministries or central banks.
  • Islamic Scholars and Councils: Reputable Islamic scholars and councils often announce Nisab values based on current precious metal prices.
  • Islamic Banks and Financial Institutions: They often publish Nisab values for their customers.
  • Mosques and Islamic Centers: Local religious institutions may announce Nisab values, especially during Ramadan.

Country-Specific Nisab Sources:

  • Indonesia: Indonesian Ulema Council (MUI), National Zakat Agency (BAZNAS), Ministry of Religious Affairs
  • Malaysia: Department of Islamic Development Malaysia (JAKIM), State Religious Councils (MAIIP, PZS, etc.), Malaysian Zakat Centre

Note: If no official announcement is available for your region, you can calculate Nisab as the value of 87.48 grams of gold or 612.36 grams of silver, whichever is lower.

How to Calculate Zakat

What is Nisab?

Nisab is the minimum threshold of wealth a Muslim must possess before they are required to pay Zakat. It is calculated based on the current value of either 87.48 grams of gold or 612.36 grams of silver, whichever is lower.

Step-by-Step Zakat Calculation

  1. Determine your Zakat date (the date your wealth first exceeded the Nisab threshold)
  2. Calculate all your zakatable assets (gold, silver, cash, investments, business assets)
  3. Subtract any immediate debts you owe
  4. Compare the total to the current Nisab value for your region
  5. If your wealth exceeds Nisab, calculate 2.5% (1/40) of the total amount
  6. Distribute this amount to eligible recipients before your next Zakat date

Indonesia-Specific Zakat Types:

  • Zakat Maal: Zakat on wealth (2.5% of assets exceeding Nisab)
  • Zakat Pendapatan: Zakat on income (2.5% of annual net income)
  • Zakat Perniagaan: Zakat on business (2.5% of business assets)
  • Zakat Pertanian: Zakat on agriculture (5-10% of harvest)
  • Zakat Fitrah: Paid during Ramadan (typically 2.5-3.5 kg of rice per person)

Malaysia-Specific Zakat Types:

  • Zakat Harta: Zakat on wealth (2.5% of assets exceeding Nisab)
  • Zakat Pendapatan: Zakat on income (2.5% of annual income)
  • Zakat Perniagaan: Zakat on business (2.5% of business assets)
  • Zakat KWSP/EPF: Zakat on retirement savings (2.5% of savings exceeding Nisab)
  • Zakat Fitrah: Paid during Ramadan (RM7-RM21 per person depending on state)

Frequently Asked Questions

When is Zakat due in Indonesia and Malaysia? +
In Indonesia, Zakat is typically calculated during Ramadan, with many paying before Eid al-Fitr. In Malaysia, Zakat is due once every lunar year (Hawl) from the date your wealth first reached the nisab threshold. Both countries follow the Islamic lunar calendar for Zakat calculations.
What is the official Nisab threshold in Indonesia and Malaysia? +
The official Nisab threshold is calculated as the value of 87.48 grams of gold or 612.36 grams of silver, whichever is lower. In Indonesia, this is determined by the Indonesian Ulema Council (MUI), while in Malaysia, it's set by the Department of Islamic Development Malaysia (JAKIM) and state religious authorities.
How is Zakat calculated for business income in Indonesia and Malaysia? +
In Indonesia, business Zakat is calculated at 2.5% of business assets after deducting liabilities. Malaysia follows a similar approach but also has specific guidelines for different business types. Both countries consider inventory, receivables, and cash in business as zakatable assets.
Are there different types of Zakat in Indonesia and Malaysia? +
Yes, both countries recognize various types of Zakat including Zakat on wealth (zakat maal/harta), Zakat on income (zakat pendapatan), Zakat on business (zakat perniagaan), Zakat on agriculture (zakat pertanian), and Zakat al-Fitr (zakat fitrah) which is paid during Ramadan.
How can I pay Zakat in Indonesia and Malaysia? +
In Indonesia, you can pay Zakat through official Zakat institutions (BAZNAS/LAZ), mosques, or online platforms. In Malaysia, Zakat can be paid through state religious authorities (MAIIP, PZS, etc.), online portals, and authorized collection centers. Both countries provide tax deductions for Zakat payments.
Why is the silver-based Nisab often used as the threshold? +
The silver-based Nisab is often lower than the gold-based Nisab because silver has a higher weight requirement (612.36g vs 87.48g) and is typically less valuable per gram. According to Islamic principles, Nisab is the lower of the two values, so silver-based Nisab is commonly used.