Calculate your Zakat obligation in GBP with our free, easy-to-use calculator.
Scholarly Note: Long-term debts like mortgages are generally not fully deducted — only the upcoming 12 months' repayment amount should be included, as per the guidance of the National Zakat Foundation UK and Islamic Relief UK. For complex situations, please consult a qualified scholar.
⚠️ Important: This calculator is provided as a general guide only. Zakat is a sensitive religious obligation. For specific situations (e.g., business Zakat, agricultural wealth, debts), please consult a qualified Islamic scholar or contact the National Zakat Foundation UK for expert guidance.
The DeenNetwork Zakat Calculator is a free online tool designed specifically for Muslims living in the UK. It helps you calculate your annual Zakat obligation in GBP based on the authentic Nisab thresholds established by Islamic scholarship and used by trusted UK organisations including the National Zakat Foundation (NZF) and Islamic Relief UK.
Zakat (زَكَاة) is the third pillar of Islam and an obligatory act of worship. Allah ﷻ commands in the Quran:
"Take from their wealth a charity by which you purify them and cause them increase."
— Surah At-Tawbah (9:103)
Every Muslim whose wealth exceeds the Nisab threshold for one full lunar year (Hawl) must pay 2.5% of their total Zakatable wealth. Zakat is distributed to eight categories of eligible recipients, as defined in Surah At-Tawbah (9:60). You can distribute your Zakat through your local mosque or trusted UK charities.
The Prophet Muhammad ﷺ said: "Islam is built upon five pillars... and paying Zakat." (Sahih al-Bukhari 8, Sahih Muslim 16). He also instructed Mu'adh ibn Jabal: "Inform them that Allah has made Zakat obligatory upon them — taken from the rich among them and given to the poor among them." (Sahih al-Bukhari 1395). Alongside Zakat, strengthen your daily worship with accurate prayer times, authentic duas, and the Tasbih counter.
Nisab (نِصَاب) is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. It was established by the Prophet ﷺ and is based on two measures:
The National Zakat Foundation UK (NZF) and Islamic Relief UK both use these exact gram values. Most scholars, including the Hanafi school, recommend using the silver Nisab for mixed assets as it is lower, meaning more Muslims qualify to pay and more people in need benefit.
Source: NZF UK | Islamic Relief UK
Zakat is calculated in three simple steps:
| Zakatable | Not Zakatable |
|---|---|
| Cash in hand & bank accounts | Your primary home |
| Gold & silver (including jewellery) | Personal car |
| Stocks, shares & ISAs | Household furniture & clothing |
| Cryptocurrency | Tools of your trade |
| Business stock & merchandise | Personal electronics (phone, laptop) |
| Investment property | Food & daily necessities |
| Money owed to you (expected return) | Pension (until received) |
Zakat is the third pillar of Islam, commanded by Allah ﷻ in the Quran (Surah At-Tawbah 9:103) and established by the Prophet Muhammad ﷺ. It is an obligatory annual charity of 2.5% on wealth that exceeds the Nisab threshold for one full lunar year (Hawl). It purifies your wealth and is distributed to eight categories of recipients defined in the Quran (Surah At-Tawbah 9:60).
The Nisab threshold fluctuates daily based on live gold and silver market prices. Our calculator uses realistic market rates. As of early 2026, the silver Nisab is approximately £1,200–£1,400 and the gold Nisab is approximately £9,900–£11,000. For the most up-to-date values, check NZF UK or Islamic Relief UK.
No. Your primary home, personal car, household furniture, clothing, and daily necessities are not subject to Zakat. Only wealth held for savings, investment, or trade purposes is Zakatable.
Zakat becomes due once a full lunar year (Hawl) has passed since your wealth first exceeded the Nisab. Many Muslims choose to pay during Ramadan for increased spiritual reward, but it can be paid at any time of year.
Most scholars recommend using the silver Nisab because it is lower. This means more Muslims qualify to pay Zakat, and more people in need receive support. However, some scholars prefer the gold Nisab — consult your local scholar if unsure.
Your primary home is not Zakatable. For mortgage debt, only the upcoming 12 months' repayment can be deducted from your Zakatable wealth, not the entire mortgage balance. Investment properties are Zakatable at market value.
This is debated among scholars. The Hanafi school considers gold and silver jewellery Zakatable regardless of personal use. The Shafi'i, Maliki, and Hanbali schools may exempt jewellery worn regularly. The National Zakat Foundation UK recommends including jewellery to be on the safe side. Consult a qualified scholar for your specific situation.
You can pay your Zakat through trusted UK Islamic charities such as the National Zakat Foundation UK, Islamic Relief UK, Muslim Aid, or directly to eligible individuals in the eight categories mentioned in Surah At-Tawbah (9:60).
⚠️ This calculator is a guide only. For complex financial situations, please consult a qualified Islamic scholar or the National Zakat Foundation UK.