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Most zakat calculators assume you hold cash, shares and gold. Indian families hold PPF, EPF, NPS, LIC policies, Sukanya Samriddhi and chit funds. This one handles all of them — and tells you separately how much interest you need to purify.
Scholars genuinely differ here. We do not pick for you.
Metal rates — as of 2026-08-25
Edit these if your local rate differs. Rates move daily.
Reported separately to purify. Never counted as your wealth.
Zakat due at 2.5%
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Fill in your assets and the total appears here.
This is an educational calculation, not a fatwa. Where your assets or circumstances are unusual, check with a qualified scholar before relying on the figure.
Where scholars genuinely differ, we show you the choice rather than picking silently. Here is what each position means.
These weights come from the prophetic narrations and are preserved identically across all four Sunni schools. The silver threshold is far lower in rupee terms, so it captures more people — and most contemporary scholars recommend it for exactly that reason, since it means more wealth reaches those in need. Zakat is 2.5% of qualifying wealth held for one lunar year.
This single question can halve or double your figure. The Hanafi school holds that zakat is due on all gold and silver including jewellery in regular use. The Maliki, Shafi'i and Hanbali schools exempt jewellery kept for legitimate personal use. Most people do not know their madhab but do know what their family practises — either answer is a defensible position held by serious scholars.
These are the assets no other calculator handles, and they carry real scholarly difference. One view is that zakat is due each year on the portion that is genuinely yours. Another is that because the money is locked and cannot be withdrawn freely, it becomes zakatable only when you actually receive it. Both are held by qualified scholars, so the calculator lets you choose.
One thing is treated the same either way: the employer's EPF contribution is a compulsory deduction you never controlled and have not yet received, and the majority position among Indian scholars is that it is not included annually.
PPF, EPF, NPS, fixed deposits and savings accounts all generate interest. That growth is not your wealth, so it is never included in the zakat base — you would otherwise be paying zakat on money that was never rightfully yours.
Instead the calculator reports it separately as an amount to purify. Purification is disposal, not charity: you give it away without expecting reward for it. This is the distinction most calculators miss entirely, and it matters more in India than almost anywhere, because so much household saving sits in interest-bearing government schemes. How to purify interest money.
The home you live in, however valuable, and personal belongings are exempt. A property you rent out is not zakatable either — but the rent you have collected and still hold is. A property bought with the intention of reselling is zakatable at its full market value, so intent at purchase decides it. Business equipment and fixtures are exempt; the stock you intend to sell is not.
Rates are set manually rather than pulled from a live price feed, because a third-party outage during Ramadan would break the calculator at exactly the moment it is needed. The date they were last updated is shown, and you can override both figures with your local rate.
This is an educational calculation and not a fatwa. Zakat is an obligation, and unusual assets, business structures or family arrangements deserve a scholar's review. Ask Advisory if your situation does not fit the fields above.