--- title: "Zakat Calculator UK 2026 | Live Nisab | Free | HNCO" url: https://hnco.org.uk/zakat/calculator description: "Free Zakat calculator UK 2026. Updated Nisab: Gold £8,436 · Silver £987. Enter assets & liabilities, get your exact Zakat obligation instantly. 100% donation p…" lang: en --- Image: Zakat Calculator 2026 (https://hnco.org.uk/legacy/a669d05c-Ramadan-Appeal-2.png) HNCO # Zakat Calculator UK 2026: Free Online Nisab Calculator Welcome to the HNCO Zakat Calculator 2026. Calculating your Zakat is a sacred duty and a beautiful way to purify your wealth. Use our simple, free tool below to determine your Nisab and ensure your contribution reaches those who need it most this Ramadan. ## Zakat Calculator Enter your assets and liabilities to calculate your Zakat obligation. Gold Nisab £8,436 87.48g · updated 2 June 2026 Silver Nisab £987 612.36g · updated 2 June 2026 Shariah 100% Donation Distributed within the 8 Qur'anic categories (9:60) **Why does Nisab change?** The Nisab is fixed in physical weight (87.48g gold · 612.36g silver) from the time of the Prophet ﷺ. The GBP figure moves daily with LBMA/Kitco spot prices, which is why our value updates regularly. Nisab based on: ### Your Assets £ £ £ £ £ £ £ Total Assets: £0.00 ### Your Liabilities £ £ Total Liabilities: £0.00 Net Zakatable Wealth £0.00 Nisab Threshold: £8,436.571 Your wealth is below the Nisab threshold - Zakat is not obligatory. Nisab rates updated: 2 June 2026. Gold and silver spot prices are reviewed periodically against published UK guidance (e.g. National Zakat Foundation). ## How to Use This Zakat Calculator UK 1. **Select Nisab Basis:** Choose Silver (≈ £987) or Gold (≈ £8,436). Most scholars — including the National Zakat Foundation — recommend Silver, as the lower threshold means more people qualify to give. 2. **Enter Your Assets:** Include cash at home and in banks, gold & silver value, shares & investments, accessible pensions/SIPP, crypto holdings, business stock, and money owed to you. 3. **Enter Your Liabilities:** Deduct debts you owe and immediate expenses due within the year. 4. **Calculate:** Our calculator instantly shows if you meet the Nisab and your exact Zakat amount (2.5% of net wealth). 5. **Donate:** Pay your Zakat securely through HNCO's 100% donation policy – every penny reaches those in need. 💡 Tip: Zakat is due if your wealth has been above Nisab for one full lunar year (Hawl). Calculate annually on your personal Zakat anniversary. Looking for Fitrana instead? See our dedicated Zakat al-Fitr (Fitrana) page (https://hnco.org.uk/zakat/al-fitr) — a separate per-person payment of £5 due before the Eid al-Fitr prayer. ## Frequently Asked Questions About Zakat Calculator UK 2026 ### What is the Nisab for Zakat UK 2026? As of June 2026, the Gold Nisab is approximately **£8,436** (87.48g of gold) and the Silver Nisab is approximately **£987** (612.36g of silver). Most scholars — including the National Zakat Foundation — recommend using the Silver Nisab, as the lower threshold means more people qualify to give and more eligible recipients benefit. ### How do I calculate Zakat UK? To calculate Zakat UK: 1) Add all zakatable assets (cash, bank savings, gold, silver, shares, investments, accessible pensions/SIPP, crypto holdings, business stock, money owed to you). 2) Subtract your debts and immediate liabilities. 3) If your net wealth is above the Nisab (Silver ≈ £987 or Gold ≈ £8,436) for one full lunar year (354 days), pay 2.5% as Zakat. Use our free calculator above for instant results. ### Do I pay Zakat on my house in the UK? No, you don't pay Zakat on your primary residence (the home you live in). However, if you own rental properties as investments, you pay Zakat on the rental income, not the property value itself. If you're purchasing property through a mortgage, use our Zakat calculator with mortgage for property-specific guidance. ### Is Zakat due on my UK student loan? UK student loans are considered debts and can be deducted from your zakatable assets when calculating Zakat. However, some scholars argue that since UK student loans are only repaid based on income (not a fixed debt), they shouldn't be deducted. Use our Zakat calculator for student loans to see both scenarios. ### Can I give Zakat to UK organisations? Yes, you can give Zakat to UK-registered Islamic organisations like HNCO, provided the funds are distributed to eligible recipients (the 8 categories: poor, needy, Zakat collectors, new Muslims, freeing slaves, debtors, for the cause of Allah, travelers in need). HNCO's 100% donation policy ensures your Zakat reaches those in need worldwide, including Pakistan, Bangladesh, and Africa. ### When should I pay Zakat UK 2026? Zakat becomes due after your wealth has been above the Nisab for one full lunar year (Hawl) from the date you first reached Nisab. Ramadan 2026 ran 1–29 March. Many UK Muslims now pay Zakat year-round on their personal Hawl anniversary rather than batching it to Ramadan. ### What is the Zakat rate in Islam? The Zakat rate is 2.5% (one fortieth) of your qualifying wealth. This standard rate applies to cash, savings, gold, silver, and business assets. Agricultural produce has different rates (5-10% depending on irrigation), and livestock has specific thresholds. Use our calculator for the standard 2.5% Zakat on monetary wealth. ### Is this Zakat calculator free? Yes, HNCO's Zakat calculator is completely free with no registration, login, or email required. Calculate your Zakat as many times as needed. Our mission is to make Islamic giving easy and accessible for all UK Muslims. After calculating, you can donate securely through our platform with a 100% donation guarantee. ### Is Zakat due on my UK pension or SIPP? The mainstream UK scholarly position (NZF, AMJA) is that pensions you **cannot currently access** — workplace defined-benefit and auto-enrolment pots before age 55/57 — are not Zakatable until the funds become accessible. For a **SIPP** or any self-directed pension where you choose the investments, the dominant view is that Zakat _is_ due annually on the cash and Zakatable share content inside the wrapper, even if the funds are locked. A conservative approach is to pay 2.5% on the accessible portion each year and back-pay once the pot matures. ### Is Zakat due on cryptocurrency (Bitcoin, ETH) in the UK? Yes. The mainstream UK scholarly position — held by the National Zakat Foundation, AMJA and most contemporary fuqaha — treats Bitcoin, Ethereum, other coins and stablecoins (USDT, USDC) as Zakatable wealth. Convert your total holdings to GBP at the spot price on your Hawl anniversary and pay 2.5%. Day-trading positions are valued like trading stock; NFTs held for resale are Zakatable, NFTs held purely as personal collectibles are not. ### Are ISA savings Zakatable in the UK? Yes. Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Innovative Finance ISAs are all fully Zakatable because the funds are accessible. Pay 2.5% on the GBP value of cash ISAs and on the Zakatable portion of S&S ISA holdings on your Hawl anniversary. This is the key UK-specific distinction: **ISAs are accessible (Zakatable in full)**, while **locked pension pots are debated** (see above). ### Should I use the Gold or Silver Nisab? Most contemporary UK scholars — including the National Zakat Foundation — recommend the **Silver Nisab** (≈ £987 in June 2026). The lower threshold means more Muslims qualify to give and more eligible recipients benefit. The Gold Nisab (≈ £8,436) remains permitted, particularly where someone's only Zakatable wealth is gold itself. ### How do I calculate Zakat on shares UK? **Trading shares (intention to sell):** pay 2.5% on the full market value on your Hawl anniversary. **Long-term investment shares (for dividends):** the standard UK scholarly view is to pay 2.5% on the Zakatable assets of the underlying company — typically estimated at 25%–40% of the share value as a working figure if you cannot read the company balance sheet — plus 2.5% on any dividends received and still held. Funds and ETFs are treated as investment shares unless held for active trading. ### Why does the Nisab value change? The Nisab is fixed in **physical weight** — 87.48g of gold or 612.36g of silver — defined in the time of the Prophet ﷺ. The GBP value moves daily because gold and silver spot prices fluctuate on global commodity markets. HNCO updates the Nisab from LBMA/Kitco spot rates, so the GBP figure on this page rises or falls whenever metal markets move. Unsure which form of giving applies? Read the guide to Zakat vs Sadaqah (https://hnco.org.uk/sadaqah/zakat-vs-sadaqah) before calculating your obligation. ## What is Zakat and Who Must Pay? Zakat is a mandatory donation for every adult Muslim whose net assets exceed the Nisab (the minimum threshold of wealth). - The Threshold: Your obligation to pay Zakat begins the moment your total assets meet or exceed the Nisab. - The Hawl (Lunar Year): Zakat is due once your wealth has stayed above the Nisab for one full lunar year (approximately 354 days). - The Rate: Typically, Zakat is calculated at 2.5% of your qualifying wealth. ## What Assets are Included? Our 2026 calculator simplifies the process by factoring in all your Zakatable assets, including: - Liquid Assets: Cash on hand, bank accounts, and Cash ISAs (fully Zakatable). - Investments: Shares, stocks, Stocks & Shares ISAs, funds, and ETFs. - Pensions: Accessible pots and self-directed SIPPs — mainstream UK view: Zakatable on the Zakatable share content inside the wrapper. - Digital Assets: Cryptocurrency (Bitcoin, Ethereum, stablecoins) valued in GBP at spot on your Hawl anniversary. - Precious Metals: Current market values of Gold and Silver. - Business Assets: Business accounts, stock for sale, and rental income from investments. ## Ready to Purify Your Wealth? Once you have calculated your total, you can fulfill your obligation immediately through HNCO. With our 100% Donation Policy, you can rest assured that every penny of your Zakat goes directly to the most vulnerable communities worldwide. Quick Donate £ or choose a custom amount ## Structured data ```json [ { "@context": "https://schema.org", "@type": "NGO", "name": "Hajjah Naziha Organisation", "alternateName": "HNCO", "url": "https://hnco.org.uk", "logo": "https://hnco.org.uk/favicon.ico", "description": "HNCO is a UK non-profit organisation providing humanitarian aid worldwide — Zakat, Sadaqah, water wells, food parcels, orphan support and emergency relief.", "address": { "@type": "PostalAddress", "addressLocality": "Nelson", "postalCode": "BB95FL", "addressCountry": "GB" }, "contactPoint": { "@type": "ContactPoint", "telephone": "+44-1282-501998", "email": "info@hnco.org.uk", "contactType": "customer service" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is the Nisab for Zakat UK 2026?", "acceptedAnswer": { "@type": "Answer", "text": "As of June 2026, the Gold Nisab is approximately £8,436 (87.48g of gold) and the Silver Nisab is approximately £987 (612.36g of silver). 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