Zakat Calculation 2026: A Complete UK Guide

Zakat is one of the Five Pillars of Islam — an obligation upon every Muslim whose wealth exceeds the Nisab threshold. This guide explains exactly how to calculate your Zakat for 2026.

What Is the Nisab Threshold in 2026?

The Nisab is the minimum amount of wealth you must possess before Zakat becomes obligatory. It is based on the value of either:

• Gold Nisab: 87.48 grams of gold (approximately £4,800-£5,200 in 2026)
• Silver Nisab: 612.36 grams of silver (approximately £350-£450 in 2026)

Most scholars recommend using the silver Nisab as it is lower, meaning more people qualify to pay Zakat and more recipients benefit.

Step-by-Step Zakat Calculation

Step 1: Calculate Your Zakatable Assets

Add up the following:

• Cash in bank accounts and at home
• Gold and silver (including jewellery worn regularly — according to the Hanafi school)
• Shares and investments at market value
• Money owed to you (that you expect to receive)
• Business stock and inventory
• Rental income received

Step 2: Subtract Your Liabilities

• Personal debts due within the year
• Business expenses due
• Outstanding bills

Step 3: Check Against Nisab

If your net assets exceed the Nisab and you have held this wealth for one lunar year (hawl), you owe Zakat.

Step 4: Pay 2.5%

Multiply your net Zakatable assets by 0.025 (2.5%). This is your Zakat amount.

Example Calculation

Savings: £15,000 + Gold jewellery: £3,000 + Investments: £5,000 = £23,000

Less debts: £2,000

Net Zakatable: £21,000

Zakat due: £21,000 × 2.5% = £525

Pay Your Zakat With Confidence

Our Zakat Distribution (Cash) project ensures your Zakat reaches verified eligible recipients through direct Hand2Hand delivery. With our 100% donation policy, every penny of your Zakat goes to those who need it most.

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