Best Zakat Calculator Apps in 2026 (Tested for Accuracy and Shariah Method)

·July 28, 2026·11 min read

If you want the short answer: for most people in 2026, Zoya is the best zakat calculator app if you own stocks, Musaffa is the best free calculator for investors, and the National Zakat Foundation (NZF) calculator is the best step-by-step tool if you mostly hold cash, gold, and savings. Which one fits you depends on what you own and how much hand-holding you want. Below is a quick comparison, then a full review of each — including how each one actually calculates, what it costs, and who it's for.

A good zakat calculator does three things well. It knows the current nisab from live gold and silver prices, it handles every kind of wealth you hold (not just cash), and it's honest about the scholarly method behind its math. Plenty of apps get the first part right and quietly fumble the other two. We looked for the ones that get all three.

Quick comparison

Tool	Platforms	Price	Best for
Zoya	iOS, Android, Web	Free tier; Premium from ~$4.99/mo	Zakat on stock and ETF portfolios
Musaffa	Web, iOS, Android	Free calculators; paid Premium for screening	Investors who want a free zakat + purification tool
NZF Zakat Calculator	Web	Free	Step-by-step guidance for cash, gold, and savings
Zakatify	iOS, Android	Free to use	Calculating and giving zakat in one place (US)
Muslim Pro	iOS, Android	Free; optional Premium	A simple calculator inside an all-in-one app
Tabadulat	Web, iOS, Android	Paid platform	Investors who want zakat built into the whole portfolio
Wahed	iOS, Android, Web	Paid (managed); free web calculator	Hands-off investors on managed portfolios

How we chose

Most "best zakat app" lists rank by download count or by whoever pays for the placement. We ranked by something plainer: does the math hold up, and does the app tell you where the math comes from?

Here's what we weighed:

Method transparency. Zakat on a share of stock is not the same as zakat on cash. A serious tool tells you whether it treats your holdings as "active" (traded, zakatable in full) or "passive" (held long-term, where you owe zakat only on your slice of the company's own zakatable assets). If an app hides this, we marked it down.
Nisab that's actually live. The threshold moves with the gold and silver market every day. We checked that each tool pulls current prices rather than a stale number from last Ramadan.
Coverage of real wealth. Cash is easy. We tested how each one handles gold, silver, business inventory, receivables, pensions, crypto, and money people owe you.
Honest pricing. A free calculator that nudges you into a subscription to see the final figure is not free. We noted where the paywall really sits.
Where it runs, and who stands behind it. Phone, browser, or both — and whose scholarship the method rests on.

A note on our own catalog: the tools linked to umatyn.com/solutions — Zoya, Musaffa, Tabadulat, and Wahed — have been through Umatyn's verification before appearing here. Umatyn is a mission-driven ecosystem of the global Muslim tech world, and "verified" means a real team, a working product, and claims we could check. We still list NZF, Zakatify, and Muslim Pro because a fair guide names the tools people already trust, not only the ones in our own house.

The 7 best zakat calculator apps in 2026

1. Zoya — best for investors who own stocks

Zoya started as a halal stock screener and grew a zakat calculator that most rivals still can't match on investments. You link or enter your holdings, and it works out zakat share by share, using each company's own zakatable assets rather than treating your whole portfolio as a lump of cash.

Platforms: iOS, Android, Web.
Price: Free tier with limited screening and a basic calculator. Premium unlocks the full investment calculator and unlimited screening, from about $4.99/month or $49.99/year.
Shariah method: Follows the approach in Sheikh Joe Bradford's Simple Zakat Guide, splitting active from passive holdings — the distinction that trips up simpler apps. It also covers cash, gold, and other asset classes.
Strengths: The most careful stock-zakat math on this list. Clean interface. You can give your zakat straight from the calculation.
Limits: The full calculator sits behind Premium. Built around investing, so a non-investor is paying for parts they won't touch.
Best for: Muslims with a brokerage account who want their zakat figured out correctly, not estimated. See it on Umatyn.

2. Musaffa — best free calculator for investors

Musaffa is Zoya's closest rival on screening, and it keeps its zakat calculator and purification calculator free. That second tool matters: if a screened stock earned a sliver of non-compliant income, purification is how you clean it, and Musaffa works out the amount for you.

Platforms: Web, iOS, Android.
Price: Free zakat and purification calculators. Paid Premium for the full screener (11,000+ tickers) and portfolio linking across brokers.
Shariah method: Uses AAOIFI-based standards with a compliance rating, and covers investments, cash, and gold in the zakat tool.
Strengths: The calculators cost nothing. Strong coverage of non-US exchanges — European, Gulf, and Asian markets. Purification and zakat live in the same place.
Limits: The screening and portfolio sync that make the numbers effortless are the paid part. Interface leans dense for a first-timer.
Best for: Investors — especially outside the US — who want an accurate, free zakat and purification calculator. See it on Umatyn.

3. NZF Zakat Calculator — best step-by-step tool

The National Zakat Foundation's calculator isn't an app you install; it's a web tool that walks you through your wealth one question at a time, skipping the categories that don't apply to you. For someone whose zakat is mostly cash, savings, gold, and a pension, it's the gentlest path to a right answer.

Platforms: Web (UK-focused, with a separate Australian version).
Price: Free.
Shariah method: Uses the silver nisab based on the day's silver price, which pushes the threshold lower so more wealth is captured — a widely followed, cautious position. You can enter gold and silver in grams and it converts for you.
Strengths: Genuinely step-by-step. Saves your progress. You can pay your zakat directly at the end, and NZF distributes locally.
Limits: Light on investment nuance — no per-share stock breakdown. Framed around UK givers and pounds.
Best for: Anyone who wants clear questions and a trustworthy total without downloading anything.

4. Zakatify — best for calculating and giving together

Zakatify treats zakat as a habit, not a yearly scramble. Its calculator helps you land on a figure, then the app lets you spread giving across a portfolio of vetted charities — around 1,500 zakat-eligible organizations in the US — with optional automatic monthly distributions.

Platforms: iOS, Android.
Price: Free to use.
Shariah method: The calculator sets your annual obligation; the app's focus is verified, zakat-eligible distribution rather than deep asset-by-asset fiqh.
Strengths: Turns a lump-sum panic into steady monthly giving, which charities can actually plan around. Charities are vetted. Progress tracking keeps you on target.
Limits: US-centric charity list. The calculator is simpler than the investor tools above — better for cash and savings than for a complex portfolio.
Best for: US Muslims who want to calculate once, then give reliably across the year.

5. Muslim Pro — best simple calculator inside an all-in-one app

Most people already have an app like Muslim Pro for prayer times and Quran. Its built-in zakat calculator won't rival Zoya on stocks, but if your wealth is straightforward, it's right there, no extra download, and it handles the basics with a madhab setting.

Platforms: iOS, Android.
Price: Free core app; optional Premium subscription for the wider feature set.
Shariah method: Standard cash-and-gold zakat with a school-of-thought option (Hanafi, Maliki, Shafi'i, Hanbali) that adjusts the nisab and method.
Strengths: Already on millions of phones. No learning curve. Multi-currency and madhab-aware.
Limits: Basic on investments — no per-share logic. It's one feature among dozens, so it won't go deep.
Best for: People who want a quick, correct-enough figure for cash, savings, and gold without opening a new app.

6. Tabadulat — best for zakat built into your investing

Tabadulat takes a different stance: instead of bolting a zakat tool onto the side, it builds Shariah compliance — screening, trading, and zakat — into the whole investing flow. If you want your zakat number to update as your portfolio does, this is the model.

Platforms: Web, iOS, Android.
Price: Paid platform.
Shariah method: AAOIFI-based standards applied across the investment lifecycle, with zakat treated as part of the process rather than an add-on filter.
Strengths: Zakat isn't a separate chore — it's part of managing the account. Compliance is embedded from screening through to the tax question.
Limits: Overkill if you just need a one-off figure. It's a full investing platform, so you're committing to the platform, not a free calculator.
Best for: Serious investors who want compliance and zakat woven through everything. See it on Umatyn.

7. Wahed — best for hands-off investors

Wahed is a robo-advisor: it builds and manages a globally diversified, riba-free portfolio for you, under an independent Shariah board. For zakat, it publishes a free calculator on its site and guidance on what portion of a managed portfolio is zakatable — useful when someone else is holding the assets.

Platforms: iOS, Android, Web.
Price: Paid — an annual management fee on invested assets. The web zakat calculator itself is free.
Shariah method: Portfolios sit under an independent Shariah board; zakat guidance explains the zakatable slice of managed holdings, including sukuk and gold.
Strengths: Fully hands-off investing with the zakat question answered for you. Low account minimums. Board-supervised.
Limits: The zakat help is really for Wahed's own portfolios. If you invest elsewhere, a dedicated calculator like Zoya will serve you better.
Best for: Muslims who want their investing managed and their zakat guidance to come with it. See it on Umatyn.

A quick refresher on how zakat is calculated

Every calculator above rests on the same three rules, and it helps to know them before you trust any number.

Nisab is the minimum wealth you must hold before zakat is due. In 2026, the gold standard (87.48g of gold) works out to roughly 13, 000–15,000, while the silver standard (612.36g of silver) sits near 500–700. Because silver sets a lower bar, it captures more people — which is why many scholars and charities favor it as the cautious choice.
The rate is 2.5% of your net zakatable wealth. Take everything zakat applies to, subtract immediate debts, and pay a fortieth of what's left.
The hawl is the lunar year. Zakat falls due once a full Islamic year has passed with your wealth sitting above the nisab. Miss the date and the obligation doesn't vanish — it waits for you.

Get those three right and the arithmetic is simple. The reason apps exist is the messy middle: live prices, mixed assets, and the stock question below.

Frequently asked questions

What is the nisab for zakat in 2026? Using the gold standard (87.48g), the nisab is roughly 13, 000–15,000. Using the silver standard (612.36g), it's about 500–700. The exact figure moves daily with metal prices, which is why a good calculator pulls the live rate instead of a fixed number.

Should I use the gold or silver nisab? Both are valid scholarly positions. The silver nisab is lower, so it makes more people liable and captures more wealth — many charities and scholars recommend it as the more cautious, generous choice. If in doubt, follow your local scholar or the position your madhab takes.

Is there a free zakat calculator app? Yes. Musaffa keeps its zakat and purification calculators free, the NZF web calculator is free and step-by-step, Zakatify is free to use, and Muslim Pro includes a free basic calculator. The paid tiers mostly buy investment screening and portfolio linking, not the core zakat math.

Do I pay zakat on stocks and crypto? Yes, and this is where apps earn their keep. For stocks, the amount depends on whether you're an active trader (zakat on the full value) or a long-term holder (zakat on your share of the company's own zakatable assets). Zoya and Musaffa handle that split. Crypto held as an investment is generally treated like cash at 2.5% — check your scholar for coins with unusual structures.

When is zakat due? Once a full lunar year (hawl) passes with your wealth above the nisab. Many people anchor it to Ramadan to make it easy to remember, but the trigger is your own hawl date, not the calendar month.

Are these calculators Shariah-approved? Each rests on a stated method — Zoya on Joe Bradford's Simple Zakat Guide, Musaffa and Tabadulat on AAOIFI standards, Wahed under its own Shariah board, NZF on the silver nisab. None replaces a scholar for an unusual situation, but each is transparent about the position it takes, which is exactly what you should demand of any tool that touches an act of worship.

The bottom line

There's no single best zakat calculator — there's the best one for what you own. If you invest, Zoya does the hard part properly and Musaffa does it for free. If your wealth is cash, gold, and savings, the NZF calculator walks you through it kindly. If you'd rather calculate and give in one motion, Zakatify keeps you honest all year.

Zakat isn't a tax to minimize; it's a right the poor hold over your wealth. The tool that helps you pay it in full, on time, and without second-guessing the math has quietly done something worth more than its download size. You can find more verified halal finance tools in the Islamic finance section of Umatyn.