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    ☪️ Ramadan 2026 — Zakat Calculator

    Bitcoin & Crypto Zakat Calculator 2026

    Calculate Zakat on Bitcoin, gold, cash, and savings with live Nisab thresholds in PKR, INR, USD, AED, and more. Free, multi-currency, and updated in real time.

    Live Nisab Thresholds — May 2026

    🥈 Silver Nisab (612.36g)

    $1711.91

    Silver: $2.80/g

    🥇 Gold Nisab (87.48g)

    $13,209

    Gold: $151.00/g

    BTC: $79,647Updated: 5/14/2026, 10:33:04 AMSources: metals.dev, CoinGecko

    Step 1 — Select Currency

    Step 2 — Nisab Standard

    Most scholars recommend Silver Nisab as it has a lower threshold and benefits more Zakat recipients. Use Gold Nisab only if your wealth consists entirely of gold.

    Step 3 — Enter Your Assets

    BTC

    Step 4 — Deductions

    Deduct only debts due within the next 12 months — not the full mortgage balance. E.g., if your annual mortgage payment is $500,000, deduct $500,000 — not the total loan amount.

    Step 5 — Hawl Confirmation

    Have you held wealth above Nisab for 1 full lunar year (354 days)?

    Your Zakat Summary

    Total Zakatable$0.00
    Net Wealth$0.00
    Nisab (Silver): $1711.91 ❌ Not reached
    Hawl Complete: ✅ Yes

    Your net wealth does not exceed the Nisab threshold. Zakat is not currently due.

    ⚠️ Educational Purpose Only: This calculator is a guide. For complex situations — combined assets, DeFi holdings, or differing madhab rulings — consult a qualified Islamic scholar or mufti.

    Quick Reference — Bitcoin Zakat by Amount

    All values update live with current BTC price and exchange rates.

    BTC Held USD Value USD Value Zakat (2.5%)
    0.01 BTC $796.47 — $19.91
    0.05 BTC $3982.35 — $99.56
    0.1 BTC $7964.70 — $199.12
    0.5 BTC $39,824 — $995.59
    1 BTC $79,647 — $1991.18

    Do I Pay Zakat on Bitcoin? Islamic Ruling Explained

    Yes, according to the majority of contemporary Islamic scholars. Bitcoin is treated as a monetary asset or trade good (māl) subject to Zakat at 2.5% of its value at your Zakat date, provided your total wealth has exceeded the Nisab threshold for a full lunar year (Hawl).

    This ruling is supported by scholars including the Islamic Fiqh Academy, Mufti Taqi Usmani's framework on digital assets, and most Islamic finance bodies. Bitcoin meets the criteria of being: (1) owned in full, (2) in excess of basic needs, (3) above the Nisab threshold, and (4) held for one Hawl.

    Simply holding Bitcoin as a store of value or long-term investment is widely considered permissible (halal). Active short-term speculation with borrowed funds may raise different concerns under Islamic finance principles — consult a qualified scholar for guidance specific to your situation.

    Is BTC Haram in Islam? What Scholars Say

    The majority of contemporary Islamic scholars consider Bitcoin permissible (halal) to hold and trade, viewing it as a digital monetary asset. Opinions range from fully permissible to conditionally permissible.

    The primary concerns raised by scholars who restrict it are: extreme price speculation, use in prohibited transactions, and lack of government backing. However, these same concerns apply to many traditional assets and do not make Bitcoin categorically haram.

    Purchasing Bitcoin as a long-term investment is not considered gambling (maysir). Gambling requires an element of zero-sum chance — investing in an asset with fundamental utility does not meet this definition.

    How to Calculate Zakat on Bitcoin — The Formula

    The formula is straightforward:

    Zakat = (Total Zakatable Assets − Debts Due) × 2.5%

    For Bitcoin specifically: multiply your BTC holdings by the current market price, add all other zakatable assets (cash, gold, silver, stocks), subtract debts due within 12 months, and take 2.5% of the net total.

    Worked example: 0.5 BTC at $85,000/BTC = $42,500. Plus $5,000 cash and 50g of 22K gold (~$7,525). Total: $55,025. Minus $2,000 in debts = $53,025 net. Zakat = $53,025 × 2.5% = $1,325.63.

    Zakat on Bitcoin in Pakistan — PKR Nisab 2026

    Pakistan has one of the highest Bitcoin search volumes for Zakat-related queries. The Silver Nisab in PKR fluctuates daily with silver prices and the USD/PKR exchange rate.

    As of March 2026, the Silver Nisab in Pakistan is approximately ₨466,000–470,000 PKR. The Gold Nisab is approximately ₨4,000,000+ PKR. Use the live calculator above for today's exact values.

    Under Pakistan's Zakat & Ushr Ordinance 1980, Zakat is deducted at source from bank accounts at 2.5% annually. However, Bitcoin holdings are not automatically captured — you must calculate and pay Zakat on crypto assets yourself.

    Zakat on Bitcoin in India — 1 Lakh and INR Nisab 2026

    "1 Lakh Zakat Calculator" is among the most searched Zakat terms in India. Here's the answer:

    At 2.5%: Zakat on ₹1,00,000 = ₹2,500.

    However, in 2026 the Silver Nisab in India is approximately ₹144,000–145,000 INR. This means ₹1,00,000 is below the Silver Nisab — if your total net zakatable wealth is only ₹1 lakh, you are not obligated to pay Zakat. You must exceed the Nisab threshold with your combined assets.

    What Assets Are Not Zakatable?

    • Your primary residence (home you live in)
    • Personal vehicle and household items used for daily life
    • Personal clothing and belongings
    • Tools and equipment used for your profession
    • Assets owned for less than one Hawl (lunar year)
    • Personal jewelry — disputed (Hanafi scholars say gold/silver jewelry IS zakatable)

    Investment properties generating rental income may be zakatable depending on the scholar. Long-term real estate held purely for personal use is generally not zakatable.

    Common Mistakes When Calculating Zakat

    1. Using Gold Nisab when Silver Nisab applies. Gold Nisab is ~$14,377 vs Silver's ~$1,671 in 2026 — many people incorrectly exclude themselves from Zakat obligation by using the higher threshold.
    2. Forgetting Bitcoin and digital assets. Crypto holdings are zakatable just like cash — don't omit them.
    3. Deducting full mortgage balance. Only the 12-month instalment is deductible, not the total loan.
    4. Not accounting for Hawl. Zakat is only due on assets held above Nisab for a full lunar year (354 days).
    5. Using outdated Nisab values. Silver has surged significantly — 2026 Nisab values are very different from 2024/2025. Always use live prices.
    FAQ

    Bitcoin Zakat Questions Answered

    Common questions about Islamic Zakat obligations on Bitcoin and cryptocurrency

    Sources & Methodology

    How we calculate

    Zakat is calculated at 2.5% of qualifying assets that exceed the Nisab threshold and have been held for one full lunar year (hawl). Qualifying assets include Bitcoin, cash, gold, silver, business inventory, and receivable debts. Personal-use items and primary residence are excluded. The Nisab is set as the lower of 87.48 g of gold or 612.36 g of silver, valued in your local currency at live spot prices. Outstanding short-term debts are deducted before applying the 2.5% rate.

    Primary sources
    Reviewed by Web3Believer & Webio · Last updated All formulas are open and documented above.

    Disclaimer: Zakat rules vary across madhabs. This calculator follows the majority position (Hanafi and Shafi'i hybrid). Consult a qualified scholar for personal rulings, especially for business assets, debts, or mixed Bitcoin holdings.

    ⚠️ Educational Purpose Only: This calculator is a guide to help you estimate your Zakat obligation. All calculations are based on live market prices and widely accepted scholarly rulings. For complex situations — combined assets, business holdings, DeFi, cryptocurrency earned as income, or differing madhab rulings — please consult a qualified Islamic scholar or mufti in your region. Zakat rulings on cryptocurrency continue to evolve as scholars study digital assets in greater depth.