Live Prices · BTC, ETH, XRP & 50+ Coins · 2026
Zakat on Cryptocurrency
Calculator 2026
Calculate Zakat on your Bitcoin, Ethereum, XRP, BNB, USDT and other crypto holdings using live market prices. Enter your coin quantities and get your exact 2.5% Zakat obligation instantly — in PKR, USD, GBP, INR, SAR and more.
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₿ Crypto Zakat Calculator
Enter coin quantities · Live prices auto-load · Get exact Zakat
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🌍 Display Currency
📖 Nisab Standard
📡Live prices are loaded automatically from CoinGecko. Simply enter the quantity of each coin you hold — values update instantly. If prices don't load, you can enter amounts manually in USD.
₿ Your Crypto Holdings
Coin
Quantity You Hold
Value
💳 Debts (Optional)
Crypto-related Debts Due (loans taken to buy crypto, due within 12 months)
PKR
Your Crypto Zakat Due
PKR 0
📊 Coin-by-Coin Breakdown
Total Portfolio Value
—
Debts Deducted
—
Net Zakatable
—
Nisab Threshold
—
⚠️ This is an estimate based on live market prices. Crypto Zakat rulings vary — consult a qualified Islamic scholar for complex holdings. Disclaimer · Zakat FAQs · Full Zakat Calculator
📊 Today's Nisab Threshold
Updated with live silver & gold prices
🥈 Silver Nisab
PKR 445,253
612.36g · Hanafi
🥇 Gold Nisab
PKR 37,83,750
87.48g · Shafi'i etc.
🎓 Scholar Opinions on Crypto Zakat
✅ Zakat is Due — Majority View
AAOIFI, Islamic Fiqh Academy, Sheikh Qaradawi
Crypto is treated as a tradeable asset (mal mutaqawwim). Zakat is due at 2.5% of current market value if above Nisab after one Hawl (lunar year).
📋 Treat as Currency — Some Scholars
Sheikh Assim Al-Hakeem & others
Treat crypto like cash/currency — zakatable at full value. Stablecoins (USDT, USDC) are definitively treated as cash equivalents.
⚠️ Debated — NFTs & Utility Tokens
Various scholars — ongoing debate
NFTs and pure utility tokens with no investment intent may be treated differently. Consult a scholar for these specific assets.
How to Use This Calculator
1
Select Your CurrencyChoose PKR, USD, GBP or your preferred display currency.
2
Select Coin & Enter QuantityPick each cryptocurrency you hold and enter how many coins/tokens you own.
3
Add More CoinsClick "+ Add Another Coin" for each cryptocurrency in your portfolio.
4
Get Your ZakatLive prices are used to calculate your total portfolio value, check Nisab and show exact 2.5% Zakat due.
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Complete Guide
Is Zakat Due on Cryptocurrency? — The Complete Answer for 2026
The question of Zakat on cryptocurrency has been one of the most actively debated topics in contemporary Islamic finance. The majority position among leading scholars and institutions — including the AAOIFI, the Islamic Fiqh Academy and prominent scholars such as Sheikh Qaradawi — is that yes, Zakat is obligatory on cryptocurrency holdings that meet the Nisab threshold and have been held for one full lunar year (Hawl).
Cryptocurrency is classified as mal mutaqawwim — a lawfully tradeable asset with real monetary value. This places it in the same category as gold, stocks and business inventory for Zakat purposes. The core principle is straightforward: if you hold crypto that is worth more than the Nisab threshold on your Hawl anniversary, 2.5% of its total current market value is due as Zakat.
How to Calculate Zakat on Cryptocurrency
Crypto Zakat Formula
Total Portfolio Value = Σ (Coins Held × Current Market Price)
Zakat = Net Portfolio Value × 2.5% (if above Nisab after 1 Hawl)
Zakat = Net Portfolio Value × 2.5% (if above Nisab after 1 Hawl)
📊 Worked Example — Mixed Crypto Portfolio (PKR)
0.5 BTC × PKR 2,14,87,500/BTCPKR 1,07,43,750
2 ETH × PKR 6,56,100/ETHPKR 13,12,200
1,000 USDT × PKR 278/USDTPKR 2,78,000
Total Portfolio ValuePKR 1,23,33,950
Nisab Check (Silver · PKR 4,45,253)✓ Well Above Nisab
Zakat Due (2.5%)PKR 3,08,349 / year
Which Cryptocurrencies are Zakatable?
Not all digital assets are treated the same way in Islamic law. Here is a breakdown of how different types of crypto are generally viewed by scholars:
✅
Bitcoin (BTC)Zakatable. Treat as tradeable commodity — 2.5% of current value.
✅
Ethereum (ETH)Zakatable. Widely accepted as a tradeable asset. 2.5% of value.
✅
Stablecoins (USDT, USDC)Zakatable as cash equivalent. Full 2.5% on total value.
✅
XRP, BNB, SOL, ADAZakatable as tradeable tokens. 2.5% of market value.
🔄
DeFi / Staking RewardsDebated. Most scholars include rewards in zakatable amount.
🔄
NFTsDebated. If held for trade/investment, zakatable at market value.
⚠️
Pure Utility TokensMay not be zakatable if held purely for platform access, not investment.
⚠️
Meme Coins (Speculative)Consult a scholar. If held with investment intent, likely zakatable.
Crypto Nisab Reference by Currency — 2026
| Country | Currency | Silver Nisab | Gold Nisab | Zakat Rate |
|---|---|---|---|---|
| 🇵🇰 Pakistan | PKR | PKR 4,45,253 | PKR 37,83,750 | 2.5% |
| 🇮🇳 India | INR | ₹1,45,607 | ₹12,55,485 | 2.5% |
| 🇺🇸 USA | USD | $1,596 | $13,570 | 2.5% |
| 🇬🇧 UK | GBP | £1,150 | £9,963 | 2.5% |
| 🇸🇦 Saudi Arabia | SAR | SAR 5,866 | SAR 50,826 | 2.5% |
| 🇲🇾 Malaysia | MYR | MYR 6,146 | MYR 58,050 | 2.5% |
| 🇧🇩 Bangladesh | BDT | BDT 1,45,607 | BDT 16,62,814 | 2.5% |
❓
When Does the Hawl Start for Crypto?
Your Hawl (lunar year) for crypto starts the date your total crypto holdings (combined with all other wealth) first met or exceeded the Nisab. If you buy crypto that pushes your total wealth above Nisab, mark that Islamic date — Zakat is due one full lunar year later. If wealth drops below Nisab during the year, the Hawl resets. Many Muslims use Ramadan 1st as a practical Hawl date.
📉
What if Prices Have Fallen?
Zakat is calculated at current market value on your Hawl date — not the price you paid. If Bitcoin has fallen from your purchase price, you only pay Zakat on its current value. If your total portfolio has fallen below the Nisab threshold, no Zakat is due at all. This is why many scholars advise keeping records of your Hawl date and portfolio values.
🔄
What About Staking & DeFi Rewards?
Most contemporary scholars include staking rewards, liquidity mining income and DeFi yields in the zakatable amount. Add the current market value of all reward tokens to your total portfolio value and include them in the 2.5% calculation. For locked staking with no accessible value, some scholars defer Zakat until the tokens are unlocked.
Use full Zakat calculator →💼 Example Crypto Zakat by Portfolio Size (PKR)
Portfolio: PKR 5 Lakh
Above Silver Nisab (4,45,253)
PKR 12,500Zakat Due · 2.5%
Portfolio: PKR 10 Lakh
Above Silver Nisab
PKR 25,000Zakat Due · 2.5%
Portfolio: PKR 50 Lakh
Well above Nisab
PKR 1,25,000Zakat Due · 2.5%
Portfolio: PKR 1 Crore
Well above Nisab
PKR 2,50,000Zakat Due · 2.5%
Portfolio: $10,000 USD
Above Silver Nisab ($1,596)
$250Zakat Due · 2.5%
Portfolio: £5,000 GBP
Above Silver Nisab (£1,150)
£125Zakat Due · 2.5%
Islamic Rulings
How Scholars Classify Crypto for Zakat
Different types of crypto assets are treated differently under Islamic law. Understanding the classification determines your Zakat obligation.
₿ Tradeable Coins (BTC, ETH, etc.)
AAOIFI · Islamic Fiqh Academy · Majority of contemporary scholars
✅ Zakatable — 2.5% of Market Value
Bitcoin, Ethereum and similar coins with real market value and widespread acceptance are classified as tradeable assets (mal mutaqawwim). They are zakatable at 2.5% of their current market value on the Hawl date, provided total wealth exceeds the Nisab. The key condition is that the coin must have genuine market value — it cannot be purely speculative with no underlying utility or acceptance.
💵 Stablecoins (USDT, USDC, DAI)
Broad scholarly consensus — treated as cash equivalent
✅ Zakatable — Treated as Cash
Stablecoins pegged to fiat currencies (USDT, USDC, BUSD, DAI) are universally treated as cash equivalents for Zakat purposes. Their value is fixed and known, making calculation straightforward. Pay 2.5% of the full face value of all stablecoins held on your Hawl date. There is no scholarly dispute here — stablecoins are definitively zakatable as currency equivalents.
🎨 NFTs & Utility Tokens
Ongoing scholarly debate — case-by-case analysis needed
⚠️ Debated — Intent Matters
NFTs and utility tokens require case-by-case analysis. If an NFT or token is held with the intention of resale for profit (investment intent), most scholars say it is zakatable at current market value, similar to trading stock. If held purely for platform access or usage (like a software licence), some scholars exempt it. The golden rule: if you would sell it for profit, it is likely zakatable.
🔒 Locked / Staked Crypto
Sheikh Ibn Baz principles extended to crypto by modern scholars
📋 Pay When Accessible
For crypto that is locked in staking or vesting contracts with no possibility of early withdrawal, many scholars hold that Zakat is deferred until the tokens become accessible. However, if you can unstake at any time (flexible staking), the full staked amount including rewards is zakatable now. Accessible = zakatable now. Inaccessible = pay Zakat when you receive it.
Frequently Asked Questions
Crypto Zakat FAQs
Answers to the most commonly asked questions about calculating Zakat on Bitcoin, Ethereum and other digital assets.
Is Zakat due on cryptocurrency?
+
Yes, the majority of contemporary Islamic scholars hold that Zakat is due on cryptocurrency. The dominant view, supported by AAOIFI and leading Islamic finance bodies, classifies crypto as a tradeable asset (mal mutaqawwim) — similar to gold or stocks. If your total crypto holdings (combined with other zakatable wealth) meet or exceed the Nisab threshold and have been held for one full lunar year, 2.5% of the current market value is due as Zakat.
How do I calculate Zakat on Bitcoin specifically?
+
Zakat on Bitcoin is calculated as follows: 1) Check the current market price of BTC in your local currency on your Hawl date. 2) Multiply your total BTC holdings by the current price. 3) Add this to all other zakatable wealth (gold, savings, other crypto). 4) Deduct any short-term debts. 5) If the net total exceeds the Nisab (silver recommended: ~$1,596 USD / PKR 4,45,253), pay 2.5% of the total. Our calculator does all of this automatically using live prices.
Is USDT (Tether) and other stablecoins subject to Zakat?
+
Yes, absolutely. USDT, USDC, BUSD, DAI and other stablecoins are treated as cash equivalents for Zakat purposes — there is broad scholarly consensus on this. Their value is pegged 1:1 to fiat currency, making them equivalent to holding that amount in cash. Pay 2.5% of the full value of all stablecoins held on your Hawl date if your total wealth exceeds the Nisab.
What if my crypto has lost value since I bought it?
+
Zakat is always calculated on the current market value on your Hawl date — not your purchase price (cost basis). If Bitcoin has dropped 50% since you bought it, you only pay Zakat on 50% of your original investment (the current value). Conversely, if it has appreciated, you pay on the full appreciated value. If your portfolio has fallen below the Nisab threshold, no Zakat is due at all for that Hawl year.
Do I pay Zakat on crypto held on exchanges vs cold wallets?
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The location of your crypto does not matter — all crypto under your ownership is zakatable, whether held on an exchange (Binance, Coinbase, etc.) or in a cold wallet (Ledger, Trezor). The key principle is ownership and control. If you own and control the private keys, or hold a balance in your exchange account, that wealth is in your possession and is zakatable.
Is Zakat due on crypto I've borrowed or used as collateral?
+
For borrowed crypto: you do not own it — the original owner pays Zakat on it, not the borrower. For crypto used as collateral: most scholars hold you still own it and must include its value in your Zakat calculation, as you have control and beneficial ownership. The outstanding loan against it can be deducted from your total zakatable wealth (up to 12 months of instalments due).
What about staking rewards, airdrops and mining income?
+
Staking rewards: Include the current market value of all staking rewards in your zakatable amount at your Hawl date. Airdrops: Treat as income — include in total zakatable wealth. Mining income: Include total current market value of mined coins in your zakatable amount. Most scholars treat crypto income similarly to agricultural income — include it in your annual Zakat calculation at current market rates.
I trade crypto actively — am I a trader or investor for Zakat?
+
If you actively trade crypto (buying and selling frequently for short-term profit), your crypto is treated as trading stock — zakatable at current market value on your Hawl date. If you hold crypto as a long-term investment, it is still zakatable at current market value. The distinction between trader and investor does not change the Zakat obligation or the 2.5% rate — but it may affect how you record your Hawl date in a fluctuating portfolio.
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