The exclusive precision engine for high-net-worth Shariah-compliant wealth management.
| Wealth Type | Deductible? | Expert Reason |
|---|---|---|
| Current Business Debts | Deductible | Liabilities directly impacting trading capital. |
| Personal Home Mortgage | Not Deductible | Future long-term installments do not reduce current Zakat. |
| Unpaid Staff Salaries | Deductible | Debt owed to workers is a primary liability. |
| Business Expansion Loans | Partial | Only the current month's installment is considered. |
Most Zakat tools online use a "One Size Fits All" approach. They assume all gold is 24K and all debts are the same. In the professional world of 2026, wealth is more complex. **Hisabify Intelligence** was built to handle these complexities. Our engine uses the mathematical ratio of purity (Karat/24) to ensure your wealth is not over-calculated or under-purified.
One of the biggest secrets in Zakat calculation is the "Zakat Date". You don't pay Zakat when you earn money; you pay it once a lunar year has passed on your wealth. If your wealth touches the Nisab today, you start a timer. If after 354 days (one lunar year), you still have wealth above Nisab, you pay on whatever you have on that day.
Whether you hold **Bitcoin** in cold storage or have **DeFi Staking** rewards, the rules of Shariah remain firm. Liquid investments are treated like cash. If you have assets that you cannot withdraw (like a locked pension fund), Zakat is only due once you gain possession of that wealth. Hisabify helps you categorize these assets so you only pay what is truly due.
Scroll deeper to understand how Industrial Machinery and Trade Vehicles are treated. (Hint: They are tools of the trade and are exempt from Zakat, only the products they produce are zakatable).