Zakat Calculator 2026 – Zakat Kaise Nikale? Fitra Kitna Dena Chahiye (Complete Guide)
Introduction
Har saal jab Ramadan qareeb aata hai ya saal ka hisaab dene ka waqt aata hai, ek sawaal zehan mein zaroor aata hai — “Mera Zakat kitna banta hai?”
Zakat Islam ke paanch bunyaadi arkaan (pillars) mein se ek hai, aur ye sirf ek “charity” nahi hai — ye un logon par ek farz (obligation) hai jinke paas Nisab se zyada maal ho. Allah Ta’ala ne Qur’an mein baar-baar Salah ke saath Zakat ka zikr kiya hai, jo iski ahmiyat ko zaahir karta hai:
“Aur Namaz qaim karo aur Zakat do” (Qur’an 2:43)
Is article mein hum step-by-step seekhenge:
- Zakat kya hai aur kis par farz hoti hai
- Nisab kaise calculate hota hai (Gold aur Silver dono standards)
- Zakat kaise nikalein — poora formula aur example ke saath
- Online Zakat Calculator kaise use karein
- Gold, Cash, aur Business assets par Zakat ka hisaab
- Fitra (Zakat-ul-Fitr) kitna dena chahiye
- Zakat aur Fitra mein farq
- Common mistakes jo log calculation mein karte hain
Chaliye shuru karte hain.
Zakat Kya Hai?
Zakat Arabic lafz hai jiska lughvi (literal) matlab hai “paaki” (purification) aur “barhna” (increase). Shari’ah ki ruh se iska matlab hai: apni wealth ka ek muqarrara hissa, mukhsoos sharton ke saath, mustahiq logon ko dena.
Zakat sirf maal saaf karne ka zariya nahi — ye us shaks ke imaan ki bhi alamat hai. Allah Ta’ala farmate hain:
“In ke maal mein se Zakat lo, jisse tum unhe paak aur pakeeza kar do” (Qur’an 9:103)
Aur Rasulullah ﷺ ne Zakat ko Islam ke paanch bunyaadi rukn mein shamil farmaya, jaisa Sahih al-Bukhari ki mash’hoor Hadith mein aata hai (Sahih al-Bukhari 8) — jahan Islam ko paanch cheezon par qaim bataya gaya: Shahadat, Namaz, Zakat, Hajj, aur Ramadan ke roze.
Zakat kis par farz hoti hai? — Har baligh, aaqil (sane), Muslim mard ya aurat par jiska maal Nisab ki had ko cross kare aur us par ek lunar saal (Hijri year) guzar jaaye, us par Zakat dena farz hai. Iske aage hum Nisab ko detail mein samjhenge.
Zakat Kis Par Farz Hoti Hai?
Nisab Kya Hota Hai?
Nisab wo minimum amount hai jiske barabar ya usse zyada maal kisi shaks ke paas ho, tabhi us par Zakat farz hoti hai. Agar aapka maal Nisab se kam hai, to aap par Zakat farz nahi.
Zakat ke liye do traditional Nisab standards hain — Gold aur Silver:
Gold Nisab
Traditionally, Gold ka Nisab 87.48 grams (ya purane hisaab se 7.5 tola) maana jata hai.
Silver Nisab
Silver ka Nisab 612.36 grams (ya 52.5 tola) hota hai.
Yahan ek zaroori baat note karein: Fuqaha (scholars) mein is par ikhtilaf (difference of opinion) hai ke aaj ke daur mein kaunsa Nisab istemal karna zyada munasib hai — Gold ya Silver. Kuch scholars ka kehna hai ke Silver ka Nisab istemal karna chahiye kyunki ye zyada conservative hai aur zyada logon ko Zakat dene ka mauqa deta hai (jo Zakat dene wale ke liye sawab ka zariya hai). Doosri taraf, kuch scholars Gold Nisab ko zyada munasib samajhte hain kyunki Gold ki value zyada stable rehti hai. Agar aapke paas sirf cash ya mixed assets (gold + cash + business stock) hain, to majority scholars Silver Nisab istemal karne ki taraf mashwara dete hain. Behtar ye hai ke apne local scholar/imam se confirm kar lein, khaas taur par agar aapka maal donon Nisab ke beech mein aata hai.
Kitna maal hona chahiye? Agar aapke paas (cash + gold + silver + business assets + investments – qabil-e-ada qarz) Nisab ke barabar ya usse zyada bache, aur ye maal ek poora lunar saal aapke paas raha ho, to aap par 2.5% Zakat farz hai.
Zakat Kaise Nikale? (Step-by-Step Guide)
Zakat calculate karna mushkil nahi hai jab aap ise steps mein todte hain. Neeche har step ko samjhein:
Step 1: Total Cash
Apne ghar mein rakhe cash, bank account (saving/current), aur digital wallets mein jo paisa hai, usko jod lein.
Step 2: Gold Value
Apne paas jo gold hai (zewar, sikke, bars) — uski current market value nikal lein. Personal use ki jewellery par bhi majority scholars ke nazdeek Zakat farz hai (ye bhi ek ikhtilaf wala mauzu hai — kuch scholars istemal hone wali jewellery ko exempt samajhte hain, lekin majority opinion ye hai ke Zakat dena chahiye).
Step 3: Silver Value
Silver items ki bhi current market value calculate karein, same tareeqe se.
Step 4: Business Assets
Agar aapka business hai, to stock, inventory, aur saamaan jo bikri ke liye rakha hai, uski value shamil karein.
Step 5: Investments
Stocks, mutual funds, ya kisi bhi investment ki current value ka hisaab lagayein (jo bhi hissa Zakat ke qaabil ho).
Step 6: Receivable Money
Wo paisa jo doosron par aapka qarz hai aur jo wapas milne ki ummeed hai — usko bhi shamil karein.
Step 7: Minus Debts
Apne us qarz ko minus karein jo aap par foran ada karna farz hai (jaise short-term loans, bills). Long-term loans (jaise mortgage) ke baare mein scholars ka mukhtalif nazariya hai — sirf wo hissa minus karein jo current year mein ada karna hai, na ke poori baqaya raqam.
Formula
Zakat = Total Zakatable Wealth × 2.5%
Example
Maan lijiye:
- Cash: ₹50,000
- Gold value: ₹2,00,000
- Business stock: ₹1,00,000
- Receivable money: ₹20,000
- Minus short-term debts: ₹30,000
Total Zakatable Wealth = 50,000 + 2,00,000 + 1,00,000 + 20,000 − 30,000 = ₹3,40,000
Zakat = 3,40,000 × 2.5% = ₹8,500
Iska matlab is example mein shaks par ₹8,500 Zakat farz hogi (agar yeh amount Nisab se zyada hai aur ek saal se unke paas hai).
Zakat Calculator
Manual calculation karna kabhi-kabhi confusing ho sakta hai, khaas taur par jab multiple asset types ho (gold + cash + business + investments). Yahi wajah hai ke Zakat Calculator itna kaam ka tool hai.
Calculator Ka Use Kaise Karein?
Calculator mein aap apni har category ki value enter karte hain, aur ye automatically:
- Sabhi values ko jod kar Total Wealth nikalta hai
- Aapke total se qabil-e-ada qarz minus karta hai
- Current Nisab (Gold ya Silver rate ke hisaab se) se compare karta hai
- Agar Nisab cross ho jaaye, to 2.5% Zakat amount calculate kar deta hai
Kaun-Kaun Si Values Enter Karni Hoti Hain?
- Cash in hand + bank balance
- Gold ki weight/value
- Silver ki weight/value
- Business stock/inventory
- Investments
- Receivable amounts
- Short-term qarz (jo minus hoga)
Result Kaise Aata Hai?
Calculator final result mein do cheezen dikhata hai: (1) aapka Total Zakatable Wealth, aur (2) us par farz Zakat amount (Total × 2.5%). Kuch calculators ye bhi batate hain ke aap Nisab ke threshold se upar hain ya neeche.
(Ye section blog mein interactive calculator embed karne ke liye perfect jagah hai.)
Online Zakat Calculator Kaise Use Kare?
Mobile Se
Apne phone ke browser mein calculator open karein, fields mein values type karein, aur “Calculate” button dabayein. Result foran screen par aa jata hai.
Desktop Se
Same process — bas screen bigger hone ki wajah se sabhi categories ek saath dekhna aasaan ho jata hai, jo multiple income sources wale logon ke liye helpful hai.
Step-by-Step Guide
- Calculator page open karein
- Cash, Gold, Silver, Business assets, Investments ki values daalein
- Apne short-term qarz ki amount daalein
- “Calculate Zakat” par click karein
- Result mein apni Total Wealth aur Zakat amount dekhein
- Agar amount Nisab se kam hai, to calculator bata dega ke abhi Zakat farz nahi
Gold Par Zakat Kaise Calculate Kare?
Gold par Zakat nikalne ke liye, aapko uski current market rate maloom honi chahiye, kyunki gold ki value daily fluctuate karti hai.
Steps:
- Apne gold ka total weight (grams ya tola mein) maloom karein
- Aaj ke gold rate (per gram) se multiply karein — total value mil jayegi
- Is value ko apni doosri zakatable wealth mein add karein
- Total ka 2.5% nikal lein
Example
Agar aapke paas 50 grams gold hai aur current rate ₹6,000 per gram hai:
Gold Value = 50 × 6,000 = ₹3,00,000
Zakat on Gold = 3,00,000 × 2.5% = ₹7,500
(Ye sirf gold ka hissa hai — agar aapke paas cash ya doosre assets bhi hain, to unhe is mein add karke phir total 2.5% nikalna hoga.)
Cash Par Zakat Kaise Nikale?
Cash par Zakat nikalna sabse simple hai — koi market rate check karne ki zaroorat nahi.
Formula: Cash Zakat = Total Cash × 2.5%
Example
Agar aapke bank account mein ₹1,50,000 hai aur ghar mein ₹10,000 cash hai:
Total Cash = ₹1,60,000
Zakat = 1,60,000 × 2.5% = ₹4,000
Business Zakat Calculator
Business owners ke liye Zakat calculation thodi alag hoti hai kyunki isme multiple components shamil hote hain:
- Stock/Inventory: Bikri ke liye rakha gaya saamaan — uski current market value (cost price nahi, balki jis price par aap usse bech sakte hain) shamil hogi
- Cash: Business account mein jo cash hai
- Receivables: Customers se jo paisa wapas milna hai (sirf wo amount jiski wasooli ki reasonable ummeed ho)
Business Zakat = (Stock Value + Cash + Receivables − Payable Liabilities) × 2.5%
Fixed assets jaise shop ki building, machinery, ya office furniture par Zakat farz nahi hoti — sirf wo assets jo “trade ke liye” rakhe gaye hon (yaani bikne wala maal) Zakat ke daayre mein aate hain.
Fitra Kya Hai?
Fitra, jise Zakat-ul-Fitr ya Sadaqat-ul-Fitr bhi kaha jata hai, ek alag aur mukhtar wajib sadaqah hai jo Ramadan ke akhir mein, Eid-ul-Fitr ki namaz se pehle ada ki jati hai.
Rasulullah ﷺ ne Sadaqat-ul-Fitr har Muslim — chhota ya bada, mard ya aurat, ghulam ya azaad — par wajib qarar diya, jaisa Sahih al-Bukhari (1503) mein riwayat hai.
Kab Deni Hoti Hai?
Fitra Ramadan ke aakhri dinon mein, lekin Eid ki namaz se pehle ada karni chahiye. Agar koi Eid ki namaz ke baad deta hai, to fuqaha ke nazdeek wo sadaqah to ho jaata hai lekin Fitr ka sawab nahi milta jo waqt par dene se milta hai. Isliye behtar ye hai ke Eid se ek-do din pehle hi ada kar dein, taake zaroratmand log Eid ki khushiyon mein shamil ho sakein.
Fitra Kitna Dena Chahiye?
Fitra ki amount aur prakar (kis cheez mein dena hai) par scholars mein ikhtilaf paaya jata hai — isliye yahan honestly dono nazariye bata rahe hain.
Per Person Amount (Traditional Measures)
Hadith mein Sadaqat-ul-Fitr ke liye ek Sa’a (a measure) ka zikr aata hai, jo mukhtalif anaaj ke hisaab se hota hai:
- Wheat (gehu): Kuch scholars ke nazdeek aadha Sa’a (taqreeban 1.5–2 kg) kaafi hai, jabke kuch poora Sa’a (3–3.5 kg ke qareeb) zaroori maante hain
- Dates (khajoor): Ek Sa’a (taqreeban 3–3.5 kg)
- Barley (jau): Ek Sa’a (taqreeban 3–3.5 kg)
Cash Amount
Aaj ke daur mein zyada tar log anaaj ki jagah uski market value cash mein dete hain, jo majority scholars ke nazdeek jaiz hai (khaas taur par jab local mustahiq ke liye cash zyada useful ho). Cash amount har saal anaaj ke current rate ke mutabiq tabdeel hoti hai, isliye apne local masjid/imam se current year ka amount confirm karna behtareen tareeqa hai — kyunki ye region aur anaaj ke rate ke hisaab se alag ho sakta hai.
Family Ke Hisaab Se Calculation
Fitra har shaks par wajib hai — chahe wo bachcha ho ya bada — isliye ek ghar ka mukhiya apne sabhi dependents (biwi, bachche, jo bhi unke zair-e-nigraani hain) ki taraf se ada karta hai.
Example: Agar ek ghar mein 5 members hain, aur agar local Fitra rate (current saal ke anaaj ke rate ke mutabiq) ek shaks ke liye, maan lijiye, ₹150 hai (yeh sirf misaal hai, asal amount apne local scholar se confirm karein), to:
Total Family Fitra = 5 × ₹150 = ₹750
Zaroori note: Fitra ki exact cash value har saal aur har mulk/region mein alag hoti hai kyunki ye gehu/khajoor ke current market rate par depend karti hai. Is article mein diya gaya amount sirf calculation ka tareeqa samjhane ke liye hai — actual amount ke liye apne local masjid ya scholar se is saal ka rate zaroor maloom karein.
Zakat Aur Fitra Mein Kya Difference Hai?
| Zakat | Fitra |
|---|---|
| Farz | Wajib |
| 2.5% Wealth par | Per Person fixed amount |
| Saal mein ek baar (jab Nisab par saal guzray) | Eid-ul-Fitr se pehle, Ramadan mein |
| Sirf un par jo Nisab ke maalik hon | Har Muslim par (bachche, bade — sab par, sarpaarast ada karta hai) |
| Wealth-based calculation | Fixed measure (anaaj) ya uska cash equivalent |
Common Mistakes While Calculating Zakat
Zakat calculate karte waqt log aksar ye mistakes karte hain:
1. Debts Include Karna (Galat Tareeqe Se) Bohot log apna poora long-term qarz (jaise pura home loan) minus kar dete hain, jabke sirf current year mein due hone wala hissa minus karna chahiye.
2. Jewellery Ka Hisaab Na Lagana Kuch log samajhte hain ke roz istemal hone wali jewellery par Zakat nahi hoti — lekin majority scholars ke nazdeek personal use ki gold/silver jewellery par bhi Zakat farz hai.
3. Business Assets Ignore Karna Bohot business owners sirf cash ka hisaab karte hain aur stock/inventory ki value bhool jaate hain, jo Zakat ka ek bada hissa ban sakta hai.
4. Nisab Check Na Karna Kuch log bina Nisab check kiye hi Zakat dene lag jaate hain, jabke pehle confirm karna chahiye ke unka total maal Nisab ko cross kar raha hai ya nahi.
Frequently Asked Questions (FAQ)
Zakat kitni hoti hai? Zakat aapki total zakatable wealth ka 2.5% hoti hai, bashar-te ke wo wealth Nisab se zyada ho aur ek lunar saal se aapke paas ho.
2.5% kaise nikalte hain? Apni total zakatable wealth (cash + gold + silver + business assets + investments − short-term qarz) ko 0.025 se multiply kar dein. Yehi aapki Zakat amount hogi.
Kya salary par zakat hoti hai? Salary par seedhe Zakat nahi hoti — Zakat us saved amount par hoti hai jo aapke paas ek saal baad bachi ho aur Nisab se zyada ho. Agar aapki poori salary kharch ho jaati hai, to us par Zakat farz nahi.
Gold par zakat kaise calculate hoti hai? Apne gold ka total weight current market rate se multiply karein taake value maloom ho, phir us value ka 2.5% nikal lein (doosri zakatable wealth ke saath jodkar).
Fitra kitna dena chahiye? Fitra ki amount anaaj (gehu, khajoor, jau) ke ek Sa’a ya uske cash equivalent ke barabar hoti hai, aur yeh har saal current market rate ke mutabiq badalti hai. Exact amount ke liye apne local masjid/scholar se confirm karein.
Kya online zakat calculator sahi hota hai? Ek achha online calculator aapke calculation ko aasaan banata hai, lekin final accuracy aapke daale gaye data par depend karti hai. Apni values sahi se enter karein, aur agar amount complex ho (jaise mixed assets, business), to ek scholar se bhi confirm kar lein.
Kya loan minus kar sakte hain? Haan, lekin sirf wo qarz jo current year mein ada karna farz hai (short-term liabilities). Long-term loans ka sirf wo hissa minus karein jo is saal due hai, poori baqaya raqam nahi.
Kya business par zakat deni hoti hai? Haan, business stock, inventory, cash, aur receivables par Zakat farz hoti hai — lekin fixed assets (jaise shop building, machinery) par nahi, jab tak wo trade ke liye na rakhe gaye hon.
Conclusion
Zakat sirf ek financial obligation nahi — ye imaan ki paaki aur ummah ke saath hamdardi ka zariya hai. Iska sahi calculation karna zaroori hai taake na kam diya jaaye aur na zaroorat se zyada confusion ho.
Is guide mein humne dekha ke Nisab kya hota hai, Zakat ka formula (2.5%) kaise apply hota hai, aur Gold, Cash, aur Business assets par alag-alag kaise calculate karte hain. Apni Zakat ka sahi hisaab lagane ke liye online Zakat Calculator istemal karna ek aasaan aur reliable tareeqa hai — bas apni values sahi se enter karein.
Aur na bhoolen — Fitra Eid-ul-Fitr ki namaz se pehle ada karna zaroori hai, taake zaroratmand log bhi Eid ki khushiyon mein barabar shamil ho sakein.
Note: Ye article general educational maqsad ke liye hai. Apni specific situation (mixed assets, complex business holdings, ya kisi madhhab-specific masla) ke liye apne local qualified scholar ya imam se rujoo karna behtareen tareeqa hai.