How Hisabify Works

A comprehensive masterclass on purifying your wealth. We combine deep Shariah knowledge with the world’s most advanced financial data terminal to give you peace of mind.

The Gold Standard of Zakat

Hisabify is not just a calculator; it's a financial purification engine. In an era of complex assets like crypto, stocks, and global currencies, the traditional way of calculating Zakat often leads to errors. Our 4-step framework ensures that every single cent of your wealth is accounted for according to the standards set by global Shariah councils.

Precision

Live market feeds for XAU/XAG ensure your Nisab is always current.

Security

Your financial data never leaves your device. Total privacy.

Compliance

Calculations verified by scholars for the year 2026.

01

Comprehensive Asset Mapping

The first and most critical stage in Hisabify is identifying your 'Zakatable Assets'. Most people only consider cash, but Shariah requires a broader look at your net worth.

Cash & Savings

Current accounts, savings, physical cash, and money lent to others.

Jewelry & Bullion

Gold and Silver in any form—be it coins, bars, or wearable jewelry.

Trading Assets

Business inventory, stocks for sale, and raw materials.

Digital Portfolio

Bitcoin, Ethereum, NFTs, and other digital stores of value.

Pro Tip: Hisabify includes purity-based gold calculation (24k to 18k) to ensure you don't overpay on alloy weight.
02

Real-Time Nisab Verification

Nisab is the threshold that determines if Zakat is obligatory for you. Because market prices of gold and silver change every minute, Hisabify uses a direct API link to global exchanges.

Live Spot Rates

Direct data from XAU/USD and XAG/USD markets.

Currency Conversion

Automatic conversion to PKR, USD, SAR, or EUR based on your location.

If your total qualifying assets are below this threshold, you are exempt. If they are above, Hisabify proceeds to the next stage of purification.

03

Ethical Liability Auditing

Zakat is paid on surplus wealth. This means you must deduct what you owe to others. Hisabify helps you categorize your debts so you only subtract what is Shariah-permissible.

  • Short-term business debts (due within a month).
  • Unpaid utility bills and immediate staff wages.
  • The immediate installment of a long-term loan.
  • Outstanding taxes and government dues.
Guidance: Long-term mortgage principal is generally not deducted entirely—only the current installment. Hisabify handles this logic for you.
04

Final Purification Summary

After processing your inputs through our 2026 algorithm, Hisabify generates a 2.5% purification report. This report serves as your spiritual financial statement for the year.

Detailed Breakdown

See exactly how much Zakat is owed on each asset category.

Export Ready

Print or save your results to share with your local charity or Imam.

The 2026 Zakat Masterguide

Zakat on Modern Income Streams

In 2026, wealth is no longer just cash and gold. Many Muslims now earn through freelance platforms, YouTube ad revenue, and E-commerce. Hisabify guides you on how to calculate Zakat on these income streams. Generally, the money you have saved from these sources at the end of your Zakat year (Hawl) is subject to 2.5% if it meets the Nisab.

The Difference Between Gold and Silver Nisab

There are two thresholds in Islam. The Gold Nisab (87.48g) and the Silver Nisab (612.36g). In the current market, the Silver Nisab is much lower than the Gold one. Most scholars recommend using the Silver Nisab to ensure more help reaches the poor. Hisabify provides both values so you can make an informed, God-conscious decision.

Is Zakat Mandatory on Retirement Funds?

401k, Provident Funds, and Pension schemes are often a source of confusion. If you have access to the funds and can withdraw them (even with a penalty), Zakat is generally due on the accessible amount. Hisabify’s advanced logic helps you navigate these complex modern financial instruments.

Crypto Zakat: Bitcoin and Beyond

Cryptocurrency is considered 'Mal' (wealth). If you are holding Bitcoin as an investment, you calculate Zakat on the market value on your Zakat anniversary. Hisabify tracks BINANCE and Coinbase rates to give you the exact valuation for your portfolio.

Frequently Asked Questions

What is a 'Hawl'?
Hawl is the completion of one lunar year of possessing wealth above the Nisab. Hisabify helps you track this timeline.
Can I pay Zakat in installments?
Yes, you can estimate your Zakat via Hisabify and pay it throughout the year, as long as the total amount is covered by your anniversary.
Does Hisabify store my data?
No. Hisabify is a client-side terminal. Your financial inputs stay on your device and are cleared once you close the tab.
Is Zakat due on business machinery?
No, Zakat is not due on 'fixed assets' like machinery, office furniture, or delivery vehicles used for operations.

Ready to fulfill your duty?

Use the Hisabify engine today for a fast, secure, and Shariah-compliant calculation.

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