Net worth tracker · private · on this device
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Plain-words summaries of what this calculator does for each school. These are simplifications of rich scholarly traditions — for unusual situations, ask a scholar you trust.
Nisab (minimum) is measured in silver — 612.36 g (52.5 tola) — so more people qualify. All gold and silver counts, including jewellery you wear. Debts you owe are deducted first (for long-term loans, roughly the next 12 months of payments). You pay 2.5% of what remains, once a lunar year.
Nisab is measured in gold — 87.48 g (7.5 tola). Jewellery in normal personal use is exempt. In the school's relied-upon view, debts do not reduce your zakat — you pay on what is in your hands. Rate: 2.5% yearly.
Nisab in gold. Personal-use jewellery is exempt. Debts are offset only against your cash and metals, not against trade goods or investments. Rate: 2.5% yearly.
Nisab in gold. Personal-use jewellery is exempt. Debts you owe are deducted from your zakatable wealth. Rate: 2.5% yearly.
In this school (Javed Ahmad Ghamidi, following Farahi & Islahi), zakat is the citizen's due to society through the state. It has two parts: 2.5% yearly on savings & assets above the silver nisab, plus zakat on income when you receive it — 10% where only your labour earns it (salary), 5% where capital and labour work together (business profit). Split your yearly income between the two fields and each part is charged at its own rate. Because zakat is the state's right, taxes you pay to the government count toward it — your income tax is subtracted from the zakat owed.
Open ⚙ Asset purpose & treatment to tell Sona what each holding is for: Personal use exempts it (except gold under Hanafi, which counts even when worn), Always include forces it in (e.g. your locked VPS), and Zakat deducted at source excludes it because it's already paid — in Pakistan, banks, National Savings and fund managers withhold 2.5% on savings/fund balances every 1st of Ramadan unless you filed a CZ-50 (or Shariah-affidavit) exemption. Check your bank statements around Ramadan to see which of your accounts this applies to.
Zakat falls due when one lunar year (hawl) has passed on wealth above nisab — everyone's anniversary is their own. Most people anchor it to 1st Ramadan for ease and reward, which is what Sona shows by default; set your own date if you know your hawl anniversary.
Nisab weights used: gold 87.48 g / silver 612.36 g (the 7.5 / 52.5 tola convention; some organisations use 85 g / 595 g). Sona applies the rules to the holdings and debts you track — the VPS pension is excluded by default because it is locked until 2051, and many scholars defer zakat on funds you cannot access.