Zakat Calculator Bangladesh 2025–26

Nisab is the minimum wealth threshold above which Zakat becomes obligatory. The Gold Nisab is 87.48 grams (7.5 tola) and the Silver Nisab is 612.36 grams (52.5 tola). Most scholars recommend applying the lower of the two (typically Silver Nisab in BDT terms) to ensure broader compliance with the obligation.

Zakat = Net Zakatable Wealth × 2.5%. The 2.5% rate applies only when net wealth meets or exceeds Nisab and has been held continuously for one full Islamic lunar year (Hawl ≈ 354 days). Wealth acquired mid-year may require a separate Hawl calculation — consult a scholar if your asset mix changed significantly during the year.

Zakatable assets include: (1) cash in hand and all bank balances, (2) gold and silver whether worn or stored, (3) business inventory valued at current market price, (4) trade receivables expected to be recovered, and (5) liquid investments such as shares, mutual funds, FDR, and DPS. Personal-use assets — your home, car, clothing, and household furniture — are NOT zakatable.

Yes. According to the Hanafi school of jurisprudence — widely followed in Bangladesh — Zakat is payable on gold and silver jewellery regardless of whether it is worn regularly or stored, provided the Nisab threshold is met and one Hawl has passed. Some other madhabs exempt jewellery in regular personal use. Consult your scholar if you follow a different school.

Zakat is due once a complete Islamic lunar year (Hawl) has elapsed since your wealth first reached or exceeded Nisab. Many Muslims pay during Ramadan for the spiritual reward, but Zakat may be paid at any point in the lunar year. Early payment before the Hawl completes is permitted; deliberate delay without valid reason is discouraged.

Yes. Short-term liabilities that are currently due — loans to repay this year, unpaid rent, outstanding invoices — may be deducted from total assets before calculating Zakat. Long-term debts such as a 20-year mortgage are treated differently: many scholars allow deducting only the instalments due within the current year, not the full outstanding principal. Seek scholarly guidance for complex debt situations.

Zakat is an obligatory annual payment — one of the Five Pillars of Islam — calculated at a fixed rate of 2.5% on qualifying net wealth above Nisab. It must be distributed to specific categories of recipients defined in Quran 9:60 (the poor, the needy, those in debt, travellers in need, etc.). Sadaqah is voluntary charity with no fixed amount, rate, or eligible recipient list — it can be given to anyone at any time for any good cause.