Zakat Calculator Malaysia 2026
Kalkulator Zakat | Calculate Your Zakat Obligation
Gold, Cash, EPF/KWSP, ASB, Investments
Zakat Calculator 2026
Kalkulator Zakat | Live Nisab & Rates
📏 Current Nisab 2026
RM56935
Based on 85g gold (999)
Gold Nisab
85g
Silver Nisab
595g
🪙 Gold Rate (999)
RM669.83/g
Per gram (live rate)
📊 Zakat Rate
2.5%
1/40 of wealth
💡 Quick Info
- ✓ Haul: 1 lunar year (354 days)
- ✓ Include all assets above
- ✓ Deduct short-term debts
- ✓ 100% tax rebate in Malaysia
What is Nisab? Minimum wealth threshold that obligates Zakat payment. Equals 85g pure gold. Nisab adalah jumlah minimum harta yang mewajibkan zakat.
Types of Zakat
Jenis-jenis Zakat
Zakat Emas & Perak
Gold & Silver
- • Nisab: 85g (20 misqal)
- • All jewelry included
- • Rate: 2.5%
Zakat Wang
Cash & Savings
- • Cash + bank balance
- • After 1 year (haul)
- • Rate: 2.5%
Zakat KWSP/EPF
Employee Provident Fund
- • Pay when withdrawn OR
- • Pay annually
- • Rate: 2.5%
Zakat Pelaburan
Investments (ASB, Shares)
- • ASB, Unit Trust
- • Stocks & shares
- • Rate: 2.5%
Zakat Perniagaan
Business
- • Stock & inventory
- • Working capital
- • Rate: 2.5%
Zakat Pendapatan
Income
- • Monthly salary
- • Can pay monthly
- • Rate: 2.5%
Zakat Fitrah
Ramadan
- • Obligatory for all
- • Before Eid prayer
- • ~RM7-14/person
Zakat Pertanian
Agriculture
- • Crop harvest
- • 5-10% depending
- • Nisab: 653kg
Zakat Ternakan
Livestock
- • Cattle, goats, camels
- • Specific nisab
- • Variable rates
Zakat KWSP/EPF Guide
Panduan Zakat KWSP
Method 1: Pay When Withdrawn
Bayar Bila Dikeluarkan (Recommended)
- ✓ Calculate Zakat when withdrawing from EPF
- ✓ 2.5% of withdrawn amount
- ✓ Easier to calculate
- ✓ National Fatwa Council opinion
Note: Most Malaysian states follow this method | Kaedah yang paling banyak diikuti
Method 2: Pay Annually
Bayar Tahunan (Alternative)
- • Calculate on yearly balance
- • 2.5% of total EPF balance
- • More precautionary approach
- • Opinion of some scholars
Note: Consult your state Fatwa for guidance | Rujuk fatwa negeri anda
🧮 Calculation Example | Contoh Pengiraan
EPF Balance
RM100,000
Zakat Rate
× 2.5%
Equals
=
Zakat Amount
RM2,500
8 Asnaf - Who Receives Zakat
Siapa Yang Layak Menerima Zakat
"Zakat is only for the poor and the needy, those who collect it, those whose hearts are to be reconciled, to free captives and debtors, for the cause of Allah, and for travelers." - Surah At-Tawbah (9:60)
1. Fakir
The Poor
2. Miskin
The Needy
3. Amil
Collectors
4. Muallaf
New Muslims
5. Riqab
Free Captives
6. Gharimin
In Debt
7. Fisabilillah
Allah's Cause
8. Ibnu Sabil
Travelers
Islamic Foundation of Zakat
Asas Islam Zakat
Quranic Verses
Ayat Al-Quran tentang Zakat
"And establish prayer and give Zakat, and whatever good you put forward for yourselves - you will find it with Allah."
— Surah Al-Baqarah (2:110)
"Take from their wealth a charity by which you purify them and cause them increase."
— Surah At-Tawbah (9:103)
"And those within whose wealth is a known right for the petitioner and the deprived."
— Surah Al-Ma'arij (70:24-25)
Hadith on Zakat
Hadis tentang Zakat
"Islam is built on five pillars... and paying Zakat..."
— Sahih Bukhari & Muslim
"Whoever is made wealthy by Allah and does not pay Zakat, his wealth will be made like a poisonous snake on the Day of Resurrection."
— Sahih Bukhari
"Protect your wealth by paying Zakat, treat your sick by giving charity, and prepare for calamity with supplication."
— Tabarani
🕌 Zakat - The Third Pillar of Islam | Rukun Islam Ketiga
👤Who Must Pay Zakat | Siapa Wajib Bayar Zakat
✅ Conditions for Zakat Obligation | Syarat Wajib
- ✓Muslim - Only obligatory for Muslims | Wajib hanya untuk orang Islam
- ✓Free Person (Merdeka) - Not a slave | Bukan hamba
- ✓Full Ownership (Milik Sempurna) - Complete control over wealth | Pemilikan penuh
- ✓Reaches Nisab - Wealth ≥ 85g gold value | Cukup nisab
- ✓Haul Completed - Wealth held for 1 lunar year (354 days) | Cukup haul
- ✓Exceeds Basic Needs (Kifayah) - After deducting necessities | Lebih daripada keperluan asas
❌ Who is Exempt | Siapa Dikecualikan
- ✗Non-Muslims - Zakat is for Muslims only
- ✗Wealth below Nisab - Does not reach minimum threshold
- ✗Haul not completed - Less than 1 year
- ✗In Debt exceeding assets - Net wealth is negative
- ✗Children/Mentally Incapable - (Some scholars say guardian pays)
💡 Malaysian Official Kifayah (Basic Needs) Deduction | Tolakan Keperluan Asas
Based on Majlis Fatwa Kebangsaan guidelines, these can be deducted from income before calculating Zakat Pendapatan:
Self
RM9,000/year
Wife
RM3,000/year
Per Child
RM1,000/year
Parents
RM1,000/year each
💰What is Zakatable | Harta Yang Wajib Dizakatkan
🪙Gold & Silver | Emas & Perak
- ✓ Gold bars & coins
- ✓ Gold jewelry (ALL in Malaysia)
- ✓ Silver jewelry & items
- ✓ Gold savings accounts
- Nisab: 85g gold / 595g silver
💵Cash & Savings | Wang
- ✓ Cash in hand/home
- ✓ Bank savings accounts
- ✓ Fixed deposits (FD)
- ✓ Current accounts
- Calculate lowest balance method
📈Investments | Pelaburan
- ✓ ASB, ASM, ASW
- ✓ Unit trusts / mutual funds
- ✓ Shares / stocks
- ✓ Cryptocurrency
- Based on market value
💼EPF/KWSP
- ✓ Can pay on balance yearly
- ✓ Or pay when withdrawn
- ✓ Follow state fatwa
- ✓ Most states: pay on withdrawal
- Consult local authority
🏢Business | Perniagaan
- ✓ Trading stock/inventory
- ✓ Accounts receivable
- ✓ Business cash
- ✗ Fixed assets (buildings, equipment)
- 2.5% on working capital
💰Income | Pendapatan
- ✓ Salary & wages
- ✓ Freelance income
- ✓ Rental income
- ✓ Professional fees
- Can pay monthly or yearly
❌ NOT Zakatable | Tidak Dikenakan Zakat
Official Malaysian Zakat Calculation
Pengiraan Rasmi Malaysia
Zakat Harta (Wealth)
Calculate on Total Wealth
Total all zakatable assets (gold, cash, savings, investments, etc.)
Deduct permissible short-term debts
Check if net wealth ≥ Nisab (RM56935)
Calculate 2.5% of net wealth
Formula:
Zakat = (Assets - Debts) × 2.5%
Zakat Pendapatan (Income)
Two Calculation Methods
Method 1: Simple (Gross)
Gross Income × 2.5%
Method 2: After Deduction (Kifayah)
(Income - Basic Needs) × 2.5%
🧮 Calculation Examples | Contoh Pengiraan
Example: Zakat Harta
Gold: RM50,000
Savings: RM30,000
ASB: RM20,000
Debts: -RM5,000
Net Wealth: RM95,000
Zakat: RM95,000 × 2.5% = RM2,375
Example: Zakat Pendapatan
Annual Income: RM60,000
Self (Kifayah): -RM9,000
Wife: -RM3,000
2 Children: -RM2,000
Net Income: RM46,000
Zakat: RM46,000 × 2.5% = RM1,150/year
Pay Zakat Online Malaysia
Bayar Zakat Online | Get 100% Tax Rebate
LZS Selangor
zakatselangor.com.my
PPZ-MAIWP (WP)
zakat.com.my
MAIJ Johor
e-zakat.com.my
ZPP Penang
zakatpenang.com
LZNK Kedah
zakatkedah.com.my
MAIPk Perak
zakatperak.gov.my
💡 Tax Rebate Tip: Zakat paid to official state centers gives 100% income tax rebate. Keep receipts for LHDN filing. | Zakat kepada pusat rasmi dapat rebat cukai 100%.
❓Zakat FAQ | Soalan Lazim
What is Nisab? | Apa itu Nisab?▼
Nisab adalah jumlah minimum harta. Untuk emas, 85 gram emas tulen. Untuk perak, 595 gram.
Do I pay Zakat on jewelry? | Zakat atas barang kemas?▼
Di Malaysia, kebanyakan ulama mewajibkan zakat atas SEMUA emas termasuk barang kemas jika cukup nisab.
What is Haul? | Apa itu Haul?▼
Haul adalah 1 tahun hijrah (354 hari). Harta anda mesti melebihi nisab selama 1 haul penuh.
Can I deduct debts from Zakat calculation?▼
Ya, hutang jangka pendek boleh ditolak. Hutang jangka panjang seperti pinjaman rumah - rujuk pihak berkuasa.
Do I pay Zakat on ASB? | Zakat atas ASB?▼
Ya, zakat wajib atas ASB, ASM, unit amanah jika jumlah harta melebihi nisab selama 1 haul.
Can I pay Zakat in installments? | Bayar ansuran?▼
Ya, boleh bayar bulanan atau awal. Ramai bayar bulanan untuk memudahkan. Boleh auto-debit dengan pusat zakat.
Is Zakat Fitrah different from Zakat Harta?▼
Ya! Zakat Fitrah dibayar bulan Ramadan (jumlah tetap). Zakat Harta 2.5% atas harta melebihi nisab. Kedua-dua wajib.
Can I give Zakat to family? | Zakat kepada keluarga?▼
Tidak boleh beri zakat kepada ibu bapa, anak, suami/isteri. BOLEH beri kepada adik-beradik, pakcik, makcik jika layak.
Is there tax rebate for Zakat in Malaysia?▼
Ya! Di Malaysia, zakat adalah rebat cukai 100%. Jumlah zakat ditolak terus dari cukai. Simpan resit dari pusat zakat rasmi.
What is the sin for not paying Zakat?▼
Tidak membayar zakat adalah dosa besar. Al-Quran menyebut azab yang berat. Abu Bakr (RA) memerangi yang enggan bayar zakat.
Do I pay Zakat on my house/car?▼
Tiada zakat atas rumah kediaman atau kenderaan peribadi. Tetapi hartanah pelaburan - zakat atas pendapatan sewa.
What if I missed paying Zakat for years?▼
Anda wajib mengira dan membayar untuk semua tahun tertunggak (Qada Zakat). Anggaran harta setiap tahun dan bayar 2.5%.
Zakat on gold 916 vs 999?▼
Emas 916 adalah 91.6% tulen. Untuk nisab: 85g ÷ 0.916 = 92.8g emas 916. Pengiraan zakat guna nilai pasaran semasa.
When is the best time to pay Zakat? | Bila bayar zakat?▼
Bayar zakat sebaik sahaja harta cukup nisab selama 1 haul. Ramai pilih bulan Ramadan untuk lebih berkat. Boleh juga bayar awal.
Zakat Pendapatan Guide
Income Zakat Calculator
Method 1: Simple Calculation
2.5% of gross monthly income
Monthly Salary: RM5,000
× 2.5% = RM125/month
Annual: RM1,500
Method 2: After Deduction
Deduct basic needs first (Kifayah)
Monthly Salary: RM5,000
- Basic Needs: RM2,000
× 2.5% = RM75/month
Annual: RM900
🔍 Popular Zakat Searches | Carian Popular
Step-by-Step Zakat Calculation for Different Assets
Detailed guides for calculating zakat on all types of wealth - Gold, Cash, EPF, Investments, and more
Zakat on Gold - Complete Guide
Panduan Lengkap Zakat Emas
💎 Types of Gold & Purity Levels
Nisab: 85 grams • Standard for calculation
Nisab: 92.8 grams • Common in Malaysia
Nisab: 97.1 grams
Nisab: 113.3 grams
🧮 Purity Conversion Formula
Pure Gold = (Purity ÷ 999) × Weight
Example:
100g of 916 gold
= (916 ÷ 999) × 100
= 91.69g pure gold
Quick Reference Table:
| If you have | Pure gold = |
| 100g of 999 | 100.0g |
| 100g of 916 | 91.7g |
| 100g of 875 | 87.6g |
| 100g of 750 | 75.1g |
📖 Scholarly Opinions on Jewelry
Opinion 1: All Gold Zakatable
Including daily-worn jewelry
Supported by some Shafi'i scholars
Opinion 2: Exemption for Worn Items
Daily-worn jewelry exempt from zakat
Majority Malaysian Muftis
Opinion 3: Limit-Based
Jewelry up to 'Urf (custom) exempt
Some Hanbali scholars
⚖️ Recommendation: Follow your state's Mufti ruling. When in doubt, paying zakat is safer (Ihtiyat).
Zakat on Cash, Savings & Bank Accounts
Zakat Wang Simpanan
💡 Understanding Haul (One Lunar Year)
Zakat becomes due after wealth has been in your possession for one complete lunar year (Haul). This is approximately 354 days.
Setting Your Haul Date
- • Pick a memorable date (e.g., 1st Ramadan, your birthday)
- • Use Islamic calendar date for precision
- • Mark it on your calendar annually
- • Many choose Ramadan for extra rewards
What if Balance Fluctuates?
- • If it drops below Nisab mid-year: No zakat due
- • If it exceeds Nisab on Haul date: Zakat is due
- • Fresh money added doesn't restart Haul
- • Calculate on the Haul anniversary
🏦 Modern Banking & Digital Money
E-Wallets
Touch 'n Go, GrabPay, Boost, ShopeePay
✓ Zakatable
Credit Cards
Outstanding balance is a debt
✗ Deduct from wealth
Cryptocurrency
If held as cash alternative
⚖️ Consult Mufti
EPF/KWSP Zakat - Malaysian Ruling
Official guidelines and calculation methods
📋 Official Malaysian Fatwa on EPF Zakat
Majlis Fatwa Kebangsaan Malaysia (National Fatwa Council) has ruled:
"KWSP savings are considered as savings/wealth (harta simpanan) that reaches nisab and haul. Therefore, it is wajib to pay zakat on KWSP savings."
- Muzakarah Jawatankuasa Fatwa Kebangsaan
✓ States that Adopt This Ruling:
- • Selangor
- • Wilayah Persekutuan (KL, Putrajaya, Labuan)
- • Johor
- • Negeri Sembilan
- • Penang
- • Kedah
- • Most other Malaysian states
📞 Contact Your State Zakat Center:
- • Selangor: www.zakatselangor.com.my
- • WP: www.zakat.com.my
- • Johor: www.zakatjohor.gov.my
- • Penang: www.zakatpenang.com
- • Check your state's official portal
💰 How to Pay EPF Zakat
Method 1: Direct EPF Withdrawal
- 1. Check if you're eligible for EPF withdrawal for zakat (Age 55+, special schemes)
- 2. Apply through EPF i-Akaun online
- 3. Get zakat receipt from official state center
- 4. Submit to EPF for processing
Method 2: From Other Funds
- 1. Calculate zakat amount on EPF + other wealth
- 2. Pay from your savings or current income
- 3. Pay online or at zakat counter
- 4. Keep receipt for tax relief claim
Zakat on ASB, Unit Trusts & Investments
Complete investment zakat guide
💼 Common Malaysian Investments
Calculate on current market value annually
Based on unit price on Haul date
TH deducts zakat automatically
On total NAV at year-end
📊 Two Calculation Methods
Method 1: On Total Value
Pay zakat on entire investment value (principal + growth)
Example:
ASB value: RM 50,000
Zakat: RM 50,000 × 2.5%
= RM 1,250
Recommended by JAKIM
Method 2: On Profit Only
Some scholars allow zakat only on annual dividends/profits
Example:
Annual dividend: RM 2,500
Zakat: RM 2,500 × 2.5%
= RM 62.50
Minority opinion
Zakat Perniagaan - Business & Trading Goods
Complete business zakat calculation guide
📦 What Business Assets to Include
✓ Current Assets (Include)
- • Inventory for sale
- • Finished goods
- • Work-in-progress
- • Raw materials
- • Business cash
- • Accounts receivable
- • Trading stock
✗ Fixed Assets (Exclude)
- • Land & buildings
- • Machinery
- • Equipment
- • Vehicles
- • Office furniture
- • Computers
- • Display fixtures
− Liabilities (Deduct)
- • Accounts payable
- • Business loans
- • Supplier debts
- • Operating expenses due
- • Staff wages payable
- • Tax liabilities
🧾 Business Zakat Calculation Steps
Calculate Inventory Value
Use cost price or market value (whichever is lower)
Add Business Cash & Receivables
Include money owed to your business
Deduct Business Liabilities
Subtract all debts and payables
Calculate Zakat (2.5%)
If net business wealth exceeds nisab
Zakat on Property & Real Estate
When is property subject to zakat?
🏠 Property Classification for Zakat
✓ Zakatable Property
-
•
Property for Sale:
Land/houses bought for resale (trading)
-
•
Rental Property:
Zakat on rental income collected (net)
-
•
Investment Property:
Held for capital appreciation
✗ Exempt Property
-
•
Primary Residence:
House you live in with family
-
•
Business Premises:
Shop/office you operate from
-
•
Agricultural Land:
Land you farm yourself (has separate zakat rules)
🧮 Property Zakat Calculation Methods
For Property Trading:
- 1. Value property at current market price OR cost (whichever lower)
- 2. Add to other wealth for nisab calculation
- 3. Deduct any outstanding mortgage/loans
- 4. Pay 2.5% zakat on net value annually
For Rental Income:
- 1. Calculate total rental income received in one year
- 2. Deduct maintenance costs, quit rent, assessment, repairs
- 3. Add net rental income to other wealth
- 4. If total exceeds nisab, pay 2.5% zakat