Zakat Al Mal (2,5%)

CALCULATE YOUR ZAKAT NOW! 👉 Zakat Calculator

What is Zakat Al Mal (Zakat)?
Zakat Al Mal is an obligatory charity ordained by Allah for those who can afford to give it. Muslims pay their Zakat Al Mal every year, as a right for the poor, needy and vulnerable. This is the third pillar of Islam and established by our beloved Prophet Muhammed (PBUH).

Who Receives Zakat?
Muslims pay Zakat Al Mal according to 8 categories established in the Quran in Surah Al-Tawbah, 9.60

Those who are in poverty
Those who are needy
Those whose hearts are to be reconciled
Those to be freed from captivity and slavery
Those who are in debt
For those who are brought closer to Allah
The stranded traveller / wayfarer
The administers of Zakat

Income Zakat, also known as Professional Zakat or Earnings Zakat, is a type of Zakat Mal (wealth zakat) that must be paid on wealth derived from regular income or earnings from lawful (shariah-compliant) work. The nisab (minimum threshold) for income zakat is equivalent to 85 grams of gold per year, and the zakat rate is 2.5%.

The Fatwa of the Indonesian Ulama Council (MUI) states that income refers to all earnings, such as salaries, honorariums, wages, service fees, and other sources of income obtained through lawful means. This includes both regular earnings, such as those received by government officials, employees, and workers, and irregular earnings, such as those earned by doctors, lawyers, consultants, and other freelance professionals.

In practice, income zakat can be paid monthly, with the monthly nisab equivalent to one-twelfth of 85 grams of gold (based on the gold buyback price on the day zakat is paid). The applicable zakat rate is 2.5%.

If monthly income exceeds the monthly nisab, then zakat must be paid at 2.5% of the income.

There are various professions with both fixed and variable income streams, where earnings may fluctuate from month to month. If monthly earnings do not reach the nisab, then annual income should be accumulated and calculated. If the net annual earnings meet or exceed the nisab, then zakat must be paid accordingly.

How to Calculate Income Zakat:

Manual Formula:
2.5% × Total Monthly Income

Example:

🏆 Gold Price and Nisab Calculation:

• Gold Price Today: €90 per gram
• Nisab (85 grams of gold):
  €90 × 85 grams = €7,650

📊 Mr. Fulan’s Income:

Since €42,000 exceeds the nisab of €7,650, Mr. Fulan is obligated to pay zakat.

💰 Zakat Calculation:

• Zakat Rate: 2.5% of yearly income
• Annual Zakat: €42,000 × 2.5% = €1,050
• Monthly Zakat: €1,050 ÷ 12 = €87.50