Calculate your zakat obligation on savings, gold, investments, and business assets. Covers zakat harta (wealth zakat) with Malaysia's nisab threshold and full breakdown by asset type.
Your assets by category. Zakat is charged at 2.5% on net zakatable wealth (total assets minus short-term debts) if it exceeds the nisab threshold and has been held for one lunar year (haul).
| Asset / Liability | Category | Value |
|---|---|---|
| Enter your assets above to see the full breakdown. | ||
The nisab is the minimum wealth level above which zakat becomes obligatory. In Malaysia, the gold-based nisab is commonly used: 85 grams of gold. At a gold price of approximately RM 282/g (2025 average), this gives a nisab of roughly RM 24,000.
Nisab fluctuates with the gold price and is updated periodically by each state's zakat authority. Always confirm the current nisab with your state's Lembaga Zakat before calculating.
| Nisab Basis | Weight / Amount | Approx. Value (2025) |
|---|---|---|
| Gold (emas) | 85 grams | ≈ RM 24,000 |
| Silver (perak) | 595 grams | ≈ RM 1,500 |
Most Malaysian zakat authorities use the gold-based nisab. The silver-based nisab is much lower — if you use this, you may be liable for zakat on smaller amounts. Consult your state zakat centre for guidance.
| State | Authority | Website |
|---|---|---|
| Selangor | Lembaga Zakat Selangor (LZS) | zakatselangor.com.my |
| Kuala Lumpur | Pusat Pungutan Zakat MAIWP (PPZ-MAIWP) | zakatmy.com.my |
| Johor | Majlis Agama Islam Johor (MAIJ) | maij.gov.my |
| Penang | Majlis Agama Islam Pulau Pinang (MAIPP) | maipp.gov.my |
| Perak | Majlis Agama Islam Perak (MAIPk) | maiprerak.gov.my |
| Kedah | Lembaga Zakat Kedah (LAZKED) | lazked.gov.my |
| Kelantan | Majlis Agama Islam & Adat Melayu Kelantan (MAIK) | maik.gov.my |
| Terengganu | Majlis Agama Islam & Adat Melayu Terengganu (MAIDAM) | maidam.gov.my |
| Pahang | Majlis Agama Islam Pahang (MUIP) | muip.gov.my |
| Negeri Sembilan | Majlis Agama Islam Negeri Sembilan (MAINS) | mains.gov.my |
| Melaka | Majlis Agama Islam Melaka (MAIM) | maim.gov.my |
| Sabah | Majlis Agama Islam Sabah (MUIS) | muis.gov.my |
| Sarawak | Majlis Islam Sarawak (MIS) | mis.gov.my |
What is zakat?
Zakat is one of the Five Pillars of Islam — an obligatory annual payment on eligible wealth. It is distributed to eight categories of recipients (asnaf) including the poor, the needy, and those in debt. In Malaysia, it is administered by each state's Islamic religious authority.
What is the difference between zakat fitrah and zakat harta?
Zakat fitrah is a fixed per-person food payment due at the end of Ramadan (typically RM 7–15 per person in Malaysia). Zakat harta (wealth zakat) is calculated on accumulated wealth — savings, gold, investments, and business assets — and is what this calculator computes.
Is EPF zakatable?
Yes. The majority of Malaysian zakat authorities rule that EPF savings are zakatable. Some scholars say zakat is due on the full balance annually; others say it is only due on the annual dividend or upon withdrawal. The safest approach — and the one adopted by many Lembaga Zakat — is to include your EPF balance as part of your zakatable assets.
Can I deduct my home loan from my zakatable wealth?
Only short-term debts due within the current year are typically deductible for zakat purposes. A home loan or car loan is a long-term liability — only the portion due within the next 12 months (i.e., one year's worth of repayments) may be deducted, not the full outstanding balance.
How does zakat reduce my income tax?
In Malaysia, zakat paid is eligible as a tax rebate (bukan potongan), not just a tax relief. This means every ringgit of zakat paid directly reduces your tax payable — up to the amount of tax you owe. If you paid RM 1,200 in zakat and your income tax is RM 3,000, your net tax payable is RM 1,800. Keep your zakat receipt for your LHDN tax filing.
Is zakat compulsory if I am not a Malaysian citizen?
Zakat is a religious obligation for all Muslims regardless of citizenship or residency, as long as you are sane, an adult (baligh), free, and possess wealth above the nisab for one full lunar year. Residency in Malaysia determines which state's Lembaga Zakat you should pay to.
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