Income & Wealth Zakat Calculator

Income zakat is taken from regular earnings such as salary, fees, or business revenue, and is paid when the income is received without waiting for haul. Wealth zakat is taken from held assets that have settled — cash, savings, gold, investments — and becomes obligatory only once those assets pass the nisab and have been fully owned for one lunar year. Both are charged at 2.5%. To avoid double counting, income already zakated monthly generally need not be zakated again as wealth at year end.

Nisab is the minimum wealth at which zakat becomes obligatory, equivalent to 85 grams of gold. Haul is the condition that the wealth has been held for one full lunar year. For wealth zakat both must be met: assets above the nisab but held only six months are not yet zakatable. For income zakat, most Indonesian zakat institutions do not require haul, as it is paid as income is received.

Income zakat is due when the income is received, so it can be paid monthly as soon as your monthly income reaches the monthly nisab. Some prefer to accumulate and pay once a year, which is also permitted so long as the year's total income has reached the annual nisab. What matters is not delaying without reason, since zakat is the right of others attached to your wealth.

BAZNAS set the 2026 income zakat nisab at Rp91,681,728 per year, or Rp7,640,144 per month, via SK Ketua BAZNAS No. 15 Tahun 2026. It is derived from 85 grams of 14-karat gold using the previous year's average gold price. Note that because BAZNAS uses 14-karat rather than 24-karat gold, its nisab is lower than one computed from pure Antam gold prices. The figure is reset annually, so always check the current one before calculating.

Both have grounds and are practised by different groups. The gross method charges 2.5% of total income with no deductions, and is what BAZNAS and most Indonesian zakat institutions currently use. The net method deducts essential living costs and debt instalments first, reasoning that zakat falls on what exceeds basic needs. This calculator offers both and favours neither. For certainty, please ask an official amil zakat body or a scholar you trust.