Canada Zakat Calculator

Estimate your annual Zakat in Canadian dollars by adding your zakatable assets, subtracting eligible liabilities, and comparing the result with your chosen gold or silver nisab threshold.

Private by design: your entries stay in your browser. This calculator does not store or transmit the figures you enter.

1. Choose your nisab basis

This calculator uses 87.48 g of gold or 612.36 g of silver for the nisab. Metal prices can change every day, so you can replace the reference prices below with current prices before calculating.

Nisab standard Silver produces a lower threshold than gold. Scholarly practice differs. Gold price per gram, CAD Editable reference price. Use the current price available to you. Silver price per gram, CAD Editable reference price. Use the current price available to you.

Selected threshold $0.00

Gold nisab $0.00

Silver nisab $0.00

2. Add your zakatable assets

Enter the zakatable value you own on your Zakat date. Use Canadian-dollar values. Leave a field blank if it does not apply.

Cash, bank balances and cash-like assets Include cash you own and liquid balances. Do not include interest income. Gold you own Enter the current zakatable metal or resale value, not the original purchase price. Silver you own Enter the zakatable silver value you own on your Zakat date. Money owed to you that you expect to recover Include recoverable personal loans and similar amounts you are confident will be repaid. Accessible registered or retirement funds Enter the zakatable amount after applicable withdrawal taxes, fees or penalties if using that approach. Stocks and other investments Enter only the portion that is zakatable under the method you follow. Property or other assets held for resale Do not include your home. For long-term rental property, generally enter saved rental income elsewhere rather than the property itself.

Business assets

Business cash Enter your ownership share of zakatable business cash. Inventory and finished goods Use the zakatable value of stock held for sale. Work in progress and raw materials Enter your ownership share of zakatable materials and work in progress. Business receivables expected to be collected Enter your ownership share of collectible receivables.

3. Subtract eligible liabilities

Debt treatment differs among scholars. The fields below follow the simplified approach described by Islamic Relief Canada. Enter principal or actual amounts due, not future interest.

Immediate personal and living expenses For example, qualifying bills and ordinary expenses due for the upcoming month. Short-term debts you intend to repay Enter deductible short-term debt that you genuinely intend to pay. Immediate principal on long-term debt Under the primary method used here, enter the immediate month's principal portion, excluding interest. Eligible business liabilities Include qualifying business expenses and deductible short-term business debt.

Estimated Zakat due

$0.00

Enter your figures to calculate

Your result will appear here after you calculate.

If gold is your only form of zakatable wealth, Islamic Relief Canada advises using the gold nisab rather than the silver nisab. Consider switching the nisab standard above or asking a qualified scholar about your circumstances.

Total zakatable assets $0.00

Eligible liabilities $0.00

Net zakatable assets $0.00

See how this was calculated

Add your zakatable assets.
Subtract eligible liabilities.
Compare the net amount with the selected nisab.
If the threshold is met, multiply net zakatable assets by 2.5%.

How this Canada Zakat Calculator works

The calculator first adds the zakatable assets you enter. It then subtracts the eligible liabilities you enter to produce your net zakatable wealth. That amount is compared with your selected nisab threshold.

Net zakatable assets = zakatable assets − eligible liabilities

Zakat = net zakatable assets × 2.5%

The 2.5% calculation is applied only when the net amount is at or above the selected nisab threshold.

Understanding the nisab setting

Nisab is the minimum level of qualifying wealth used to determine whether Zakat is due. This implementation uses the convention published by Islamic Relief Canada: 87.48 grams of gold or 612.36 grams of silver.

There is more than one accepted gram conversion in Canadian Zakat guidance. For example, National Zakat Foundation Canada publishes 85 grams of gold and 595 grams of silver. Because those figures create slightly different thresholds, another calculator can legitimately produce a different result.

The silver standard normally creates the lower monetary threshold. Islamic Relief Canada states that it generally uses the silver value, while also explaining that other schools of thought may use gold. If you are unsure which approach applies to you, ask a qualified local scholar.

What should be included?

Cash and money

Include cash you own and money in bank accounts. Islamic Relief Canada also treats cryptocurrency as liquid wealth for its calculator. Interest income should not be included as zakatable wealth under its stated methodology.

Gold and silver

Enter the current zakatable value of the gold and silver you own rather than what you originally paid for it. There are different scholarly opinions about personal-use jewellery, so the amount you include may depend on the view you follow.

Money owed to you

Money that you have lent to someone can generally be included when you are confident it will be repaid. Amounts that are uncertain or not yet in your possession may be treated differently.

Registered savings and retirement funds

Islamic Relief Canada's calculator explains that accessible retirement or savings funds can be included after subtracting relevant early-withdrawal taxes and penalties. Long-term funds that you cannot access or control may be treated differently.

Stocks and investments

Investment calculations are one area where methods can differ. Under the simplified Islamic Relief Canada guidance used here, shares bought for short-term resale are treated differently from long-term dividend holdings. Enter the zakatable amount that matches the scholarly method you follow.

Property

Your own home and ordinary personal-use property are not entered in this calculator. Property held primarily for resale can be zakatable at its applicable value. For a long-term rental property, Islamic Relief Canada's guidance generally focuses on saved rental income rather than the value of the property itself.

How liabilities are treated

Debt deductions are a common reason Zakat calculators produce different answers. The primary method used in this calculator follows Islamic Relief Canada's published approach. It allows qualifying short-term debts and immediate obligations to be deducted. For actively paid long-term debts, its preferred view deducts only the immediate month's principal portion.

Islamic Relief Canada also notes another scholarly opinion that allows the principal portion of up to one lunar year's payments to be deducted. National Zakat Foundation Canada similarly describes deductible payments and debts due within one lunar year. If this difference changes your result materially, seek guidance on the method you follow.

The lunar-year requirement

This tool calculates the amount based on the figures you enter. It does not determine whether you have completed the required holding period. Islamic Relief Canada describes a hawl as one lunar year, about 354 days, and says Zakat is generally due when qualifying wealth has satisfied the nisab requirement for that period.

Important: Use this calculator on your Zakat date or as an estimate for that date. If your wealth dropped below nisab during the year, or your circumstances are unusual, the timing rules may require individual guidance.

Why might another calculator give a different result?

Differences can come from:

using gold instead of silver for nisab;
using 85 g and 595 g rather than 87.48 g and 612.36 g;
different current precious-metal prices;
different treatment of long-term debt;
different methods for stocks, pensions or retirement accounts;
different treatment of personal-use jewellery;
rounding.

Methodology

The calculator uses a balance-sheet approach. It totals the zakatable values entered by the user, subtracts the deductible liabilities entered by the user, prevents negative net wealth from producing a negative result, and compares the remaining amount with the selected nisab.

If the threshold is reached, the calculator multiplies the net amount by 0.025. Calculations are performed locally with plain JavaScript. No user figures are sent to a remote calculation service or stored in browser storage.

The default metal prices are editable reference figures rather than permanent religious thresholds. They were estimated using September 24, 2026 Kitco USD spot prices and the latest Bank of Canada USD/CAD daily rate available when this calculator was reviewed. Because metal prices and exchange rates change, users should update these fields when necessary.

Limitations

This calculator provides a general estimate and cannot resolve every jurisprudential question. Zakat treatment can vary for complex investments, private companies, inaccessible pensions, uncertain debts, mixed-use assets, jewellery and other special situations. A qualified scholar can advise on circumstances that are not adequately represented by these fields.

Sources

Islamic Relief Canada Zakat Calculator for asset categories, liabilities and the 2.5% calculation method.
Islamic Relief Canada nisab guidance for gold and silver nisab weights and hawl information.
Islamic Relief Canada guidance on when to pay Zakat for the lunar-year requirement.
National Zakat Foundation Canada calculation guidance for its asset and debt framework.
National Zakat Foundation Canada nisab guidance for its alternative 85 g gold and 595 g silver convention.
Kitco gold spot-price data and Kitco silver spot-price data for the editable September 24, 2026 reference metal prices.
Bank of Canada daily exchange rates for the CAD conversion used in the reference prices.

Methodology last reviewed: September 24, 2026.