Universal Accessibility & Zakat Encyclopedia

The Hisabify Zakat Calculator for 2026 utilizes a real-time API to fetch the spot prices of gold and silver globally. Our methodology follows the lunar calendar (Hijri) requirements, ensuring that your wealth has been held for a full Hawl (lunar year).

We provide users with the option to choose between the Gold Nisab or Silver Nisab, depending on their local Maslak or personal preference. The calculation includes liquid cash, gold, silver, business inventory, and tradable digital assets, while deducting immediate short-term liabilities.

Nisab is the minimum amount of wealth a Muslim must possess before they are obligated to pay Zakat. In 2026, we calculate this based on:

• Gold Nisab: 87.48 grams of 24k Gold.
• Silver Nisab: 612.36 grams of pure Silver.

Because the price of silver is currently lower, using the silver threshold allows for a wider distribution of Zakat, benefiting more of the poor. Hisabify updates these prices every 60 seconds to ensure 100% accuracy.

According to Surah At-Tawbah (9:60), there are eight categories of eligible recipients:

1. The poor (Al-Fuqara)
2. The needy (Al-Masakin)
3. Zakat administrators
4. Those whose hearts are to be reconciled
5. To free captives and slaves
6. Those in debt
7. In the cause of Allah
8. The wayfarer (travelers in need)

Zakat is due on all gold and silver owned, including jewelry. If the jewelry is worn regularly, some schools of thought (Madhahib) exempt it, but the most cautious approach—and the one supported by many contemporary scholars—is to pay Zakat on all gold if it exceeds the Nisab.

When calculating, you must determine the actual gold content. For example, 18k gold is 75% pure gold. Hisabify automatically adjusts the weight based on the purity (karat) you select in our tool.

The silver price fluctuates daily based on global commodity markets. In 2026, silver remains the standard for many families to calculate their eligibility. You should use the "Spot Price" of silver, not the retail price of jewelry, which includes craftsmanship fees (Ujrah). Hisabify provides the raw material value for your calculation.

White gold is typically an alloy of gold and other metals (like nickel or palladium); Zakat is due on the percentage of actual gold it contains. Platinum, however, is not considered a Zakat-able metal under traditional Shariah law, as it is not gold or silver. However, if platinum is held as a trade investment, it would be subject to Business Zakat.

Cryptocurrencies are treated as digital currencies or tradeable assets. Zakat is due on the total market value of your portfolio on your Zakat anniversary date. This includes:

• Coins held in cold storage or hardware wallets.
• Balances on centralized exchanges (CEX).
• Liquidity provided in DeFi pools (calculated based on your share of the pool).

The rate is 2.5% of the total value in your base currency (e.g., USD, PKR, GBP) at the time of calculation.

Non-Fungible Tokens (NFTs) are categorized based on intent:

1. Personal Collection: If you bought an NFT as a digital collectible or profile picture with no intent to flip it, it is generally exempt from Zakat, similar to personal household items.
2. Trade Intent: If you hold NFTs with the intent to resell for profit, they are treated as business inventory. You must pay 2.5% on their current market floor price.

Yes. Staked assets are still your property. You owe Zakat on the principal amount and any rewards that have been "claimed" and added to your balance. Unclaimed rewards that are not yet under your full control may be deferred until they are accessible.

Zakat is not paid on your monthly salary income as it arrives. Instead, it is paid on whatever remains of your savings on your Zakat anniversary date. If your total savings (including cash, gold, and other assets) exceed the Nisab, you pay 2.5% on the total balance at that moment.

Freelancers often have fluctuating income and business expenses. To calculate:

1. Sum all your cash in hand and in bank accounts.
2. Add any pending payments for work already completed (Receivables).
3. Subtract immediate business liabilities (e.g., software subscriptions due this month, pending hardware payments).
4. Pay 2.5% on the remaining amount if it meets Nisab.

Fixed assets used for work—such as your laptop, office chair, camera gear, or specialized software—are exempt from Zakat. Zakat is only due on liquid cash and assets intended for trade.

There are two primary methods for Stocks:

• Short-term Trading: If you buy and sell stocks frequently, pay 2.5% on the total market value of your portfolio.
• Long-term Investment: If you hold shares for dividends, you only owe Zakat on the "Zakat-able assets" of the companies you own (cash, receivables, inventory). Many scholars suggest using a 25% proxy of the share value as a safe estimate for the Zakat-able portion if company balance sheets are unavailable.

This depends on access. If you can withdraw the funds (even with a penalty), Zakat is due on the accessible amount. If the fund is completely locked by the government or employer until retirement, most scholars suggest Zakat is only due once you take possession of the funds.

Only short-term liabilities (debts due within the next 12 months) can be deducted from your Zakat-able total. This includes:

• Upcoming rent or utility bills.
• The principal portion of a loan payment due this year.
• Outstanding payments for goods purchased on credit.

Long-term debt (like a 20-year mortgage) cannot be deducted in its entirety, as it would likely wipe out any Zakat obligation for most people, which contradicts the spirit of the charity.

Our platform is built with semantic HTML5 and WAI-ARIA (Web Accessibility Initiative – Accessible Rich Internet Applications) landmarks. This allows screen readers like NVDA, JAWS, and VoiceOver to accurately describe the Zakat calculation process, ensuring users can fulfill their religious duties independently.

Yes. We utilize "Clear Language" principles, avoiding overly dense financial jargon. Our font sizes are adjustable, and our UI uses high-contrast colors (meeting WCAG 2.1 AA standards) to assist those with age-related vision decline.

Accessibility also means financial inclusion. Hisabify is optimized for low-bandwidth environments and entry-level smartphones. The page weight is kept minimal to ensure it loads quickly in areas with 3G or unstable 4G connections, ensuring Zakat knowledge reaches everyone from the UK to rural Pakistan.