All Business Assets · Scholar-Verified · 2026

Zakat on Business
Calculator 2026

Calculate Zakat on your business assets the correct way — covering inventory, cash, receivables, investments and prepaid expenses. Deduct business liabilities. Get your exact 2.5% obligation in PKR, USD, GBP, INR, SAR and more.

🏪 Calculate Business Zakat Now 📖 How Business Zakat Works

📦 Inventory & Stock

💵 Cash & Bank Balances

📋 Trade Receivables

📉 Liability Deductions

📊 Business Zakatable Assets

Scholar-Verified

📦

Stock & Trade Inventory

Market Value

💵

Cash, Bank & Petty Cash

Full Value

📋

Trade Receivables

Expected Recovery

📈

Investments & Shares

Current Value

🏦

Business Liabilities

Deductible

🥈 Silver Nisab (Hanafi)PKR 445,253

🎓 Scholar-Verified

📦 All Business Asset Types

📉 Liability Deduction Built-in

🔒 No Data Stored

🚫 No Donation Pressure

🏪 Zakat on Business Calculator

Enter your business assets · deduct liabilities · get your exact Zakat

Live Nisab

🌍 Currency

📖 Nisab Standard

📦Business Assets: Include all assets that are held for the purpose of trade or that generate business income. Fixed assets used purely for operations (machinery, vehicles, land, buildings) are not zakatable.

💵 Cash & Bank

Cash on Hand & Petty Cash (physical cash at your business)

PKR

Business Bank Account Balances (current + savings accounts)

PKR

📦 Inventory & Stock

Trade Inventory / Stock in Hand (market value / selling price today)

PKR

Raw Materials & Work-in-Progress (current market value)

PKR

📋 Receivables & Investments

Trade Receivables / Money Owed to Business (amounts you expect to recover)

PKR

Business Investments & Shares Held for Trade (current market value)

PKR

Prepaid Expenses & Short-term Deposits (refundable within 12 months)

PKR

📉Business Liabilities: Deduct only short-term liabilities due within 12 months. Long-term debt principal is generally not deductible — only the portion due in the current year.

💳 Short-term Liabilities

Accounts Payable / Supplier Invoices Due (amounts owed to suppliers due within 12 months)

PKR

Short-term Business Loans & Overdraft (due within 12 months)

PKR

Outstanding Salaries & Wages Payable (salaries accrued but not yet paid)

PKR

Taxes Due & Government Liabilities (unpaid taxes currently due)

PKR

Other Short-term Business Liabilities (rent due, utilities, other payables)

PKR

📊Quick Summary Mode: If you know your net zakatable business assets already, enter the total here directly. Or fill the Assets & Liabilities tabs for a full breakdown.

Total Business Assets (Zakatable) (cash + inventory + receivables + investments)

PKR

Total Business Liabilities (Short-term) (payables, loans, salaries due within 12 months)

PKR

💡For a detailed per-asset breakdown, use the Business Assets and Liabilities tabs above. This mode is ideal for business owners who have already prepared their balance sheet.

Your Business Zakat Due

PKR 0

📋 Asset Breakdown

Total Assets

—

Total Liabilities

—

Net Zakatable

—

Nisab Threshold

—

⚠️ This is an estimate. For complex business structures consult a qualified Islamic scholar or Islamic finance expert. Disclaimer · Zakat FAQs · Full Zakat Calculator

📊 Today's Nisab Threshold

Updated with live prices

🥈 Silver Nisab

PKR 445,253

612.36g · Hanafi

🥇 Gold Nisab

PKR 37,83,750

87.48g · Shafi'i etc.

View Full Nisab Calculator →

Business Asset Categories

✅ Zakatable Assets

Cash · Bank balances · Trade inventory (market value) · Trade receivables (expected recovery) · Investments held for trade · Short-term deposits

📉 Deductible Liabilities

Accounts payable (due ≤12 months) · Short-term loans · Outstanding salaries · Taxes payable · Other current liabilities

❌ Not Zakatable

Fixed assets (machinery, vehicles, land, buildings) · Long-term loans (only annual instalment deductible) · Personal assets of owner

How to Use This Calculator

Enter Business AssetsCash, bank, inventory, receivables and investments in the Assets tab.

Enter LiabilitiesAdd accounts payable, loans, salaries and taxes due within 12 months.

Check NisabWe automatically compare your net assets against the silver or gold Nisab.

Get Your ZakatReceive your exact 2.5% Zakat obligation with a full asset breakdown.

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Complete Guide

Is Zakat Due on Business Assets? — The Complete Answer for 2026

Business Zakat — known as Zakat al-Tijarah — is obligatory on all assets held for the purpose of trade and commerce. If you are a business owner, sole trader, partner in a firm, or operating any form of commercial enterprise, your business assets are subject to Zakat once your net zakatable wealth meets or exceeds the Nisab and a full lunar year (Hawl) has passed.

The fundamental distinction scholars draw is between trade assets (held with the intention to sell or generate profit — these are zakatable) and fixed operational assets (machinery, property, vehicles used purely for production — these are not zakatable). Cash in the business bank account, trade inventory at market value, outstanding customer receivables, and investments held for resale all fall into the zakatable category.

The Business Zakat Formula

Business Zakat — Core Formula

Net Zakatable Assets = Trade Assets − Short-term Liabilities
Trade Assets = Cash + Inventory (market) + Receivables + Investments
Zakat = Net Zakatable Assets × 2.5% (if above Nisab after 1 lunar year)

📊 Worked Example — Small Business (PKR)

Cash & Bank BalancePKR 5,00,000

Trade Inventory (Market Value)PKR 8,00,000

Trade ReceivablesPKR 2,50,000

Total Zakatable AssetsPKR 15,50,000

Accounts Payable (Suppliers)− PKR 3,00,000

Short-term Loan Due− PKR 1,50,000

Net Zakatable WealthPKR 11,00,000

Nisab Check (Silver)✓ Above PKR 445,253

Business Zakat Due (2.5%)PKR 27,500

What Business Assets Are Included in Zakat?

The scholars of all four major madhabs agree that assets held for trade purposes are zakatable. The key test is niyyah (intention) — assets you intend to sell, trade, or use to generate profit are zakatable. Assets you own purely for operational use are not.

✅

Include in ZakatCash & bank balances · Trade inventory (market value) · Customer receivables (recoverable) · Shares & investments held for trade · Short-term deposits refundable within a year · Raw materials & work-in-progress

❌

Exclude from ZakatMachinery & equipment · Land & buildings (not held for resale) · Vehicles used for operations · Long-term investments (not trade-intended) · Goodwill & intangibles · Bad debts unlikely to be recovered

Business Zakat Nisab Reference by Currency — 2026

Your net zakatable business assets must exceed the Nisab threshold at the Hawl date. The silver Nisab (Hanafi position) is the lower, more cautious threshold and is widely recommended for business Zakat:

Country	Currency	Silver Nisab	Gold Nisab	Zakat Rate
🇵🇰 Pakistan	PKR	PKR 445,253	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%
🇦🇪 UAE	AED	AED 7,025	AED 50,476	2.5%
🇧🇩 Bangladesh	BDT	BDT 1,45,607	BDT 16,62,814	2.5%

How to Value Inventory for Business Zakat

Scholars differ slightly on whether inventory should be valued at cost price or market (selling) price. The majority position, followed by most Hanafi scholars and many contemporary scholars, is that trade inventory should be valued at its current market value (selling price) on the Hawl date — because this reflects the actual wealth you possess. This is the method used in our calculator.

Some scholars permit cost price valuation for ease, particularly for goods that are difficult to value at market price. For practical purposes, use the closest realistic estimate of what your inventory could be sold for today.

❓

What is the Hawl Date for a Business?

Your business Hawl date is the Islamic date on which your zakatable business wealth first equalled or exceeded the Nisab. From that date, if your net zakatable assets remain above Nisab for a full lunar year (~354 days), Zakat becomes due. Many business owners align their Zakat with Ramadan for convenience. The important thing is to be consistent year on year.

🤝

Partnership & Company Zakat

Partnerships: Each partner calculates Zakat on their proportional share of zakatable business assets, added to their other personal wealth. Limited companies: If shareholders are aware, Zakat can be calculated at company level per share. Otherwise, each shareholder calculates Zakat on the zakatable value of their shares. Consult a scholar for complex corporate structures.

📈

Investments & Shares for Trade

Shares held with the intention to trade (active trading portfolio) are zakatable at their current market value. Shares held for long-term investment are treated differently — only the zakatable underlying business assets per share are assessed. For passive long-term holdings, many scholars apply Zakat to dividends received only.

Use full Zakat calculator →

🏪 Business Zakat Examples by Country (2026)

🇵🇰

Net assets PKR 20,00,000

After PKR 5,00,000 liabilities

PKR 37,5002.5% Zakat

🇮🇳

Net assets ₹8,00,000

After ₹2,00,000 liabilities

₹15,0002.5% Zakat

🇺🇸

Net assets $50,000

After $10,000 liabilities

$1,0002.5% Zakat

🇬🇧

Net assets £30,000

After £8,000 liabilities

£5502.5% Zakat

🇸🇦

Net assets SAR 1,00,000

After SAR 20,000 liabilities

SAR 2,0002.5% Zakat

🇧🇩

Net assets BDT 8,00,000

After BDT 2,00,000 liabilities

BDT 15,0002.5% Zakat

Calculate Your Exact Business Zakat →

Key Business Asset Types

Understanding Zakatable Business Assets

Not all business assets attract Zakat. Here is how scholars classify each type — and how our calculator handles them.

📦 Trade Inventory

Goods held for sale · All 4 Madhabs · Zakatable

📖 Core Zakatable Asset

Any stock of goods you hold with the intention to sell is zakatable at current market value on your Hawl date. This applies whether you are a retailer, wholesaler, manufacturer or importer. Raw materials and work-in-progress that will eventually be sold are also included. Fixed machinery or equipment used to make those goods is not zakatable.

📋 Trade Receivables

Customer debts owed to you · Strong debts are zakatable

💡 Include Expected Recovery

Money owed to your business by customers (trade receivables or debtors) is zakatable — but only the amount you genuinely expect to recover. Bad debts that are unlikely to be paid should be excluded. Most scholars categorise receivables as dayn qawi (strong debt) — zakatable in full when received or when due, depending on the madhab. Enter your realistic recoverable amount.

📈 Business Investments

Shares, funds & financial assets · Intention determines Zakat

⚖️ Intention-Based Rule

Investments held for the purpose of active trading (buying and selling for profit) are zakatable at current market value in full. Investments held long-term for capital growth are assessed differently — many scholars calculate Zakat only on the zakatable assets underlying each share (the business's own cash, inventory, receivables as a proportion of each share). Consult a scholar for complex investment portfolios.

Frequently Asked Questions

Business Zakat FAQs

Answers to the most common questions business owners ask about calculating Zakat on trade assets and commercial wealth.

Is Zakat due on business assets and inventory?

Yes. Zakat al-Tijarah (business Zakat) is obligatory on all assets held for trade purposes — including cash, trade inventory (valued at market price), trade receivables and investments held for resale. The business must have held these assets above the Nisab for a full lunar year (Hawl) for Zakat to be due. Fixed operational assets like machinery, vehicles and buildings used in production are not subject to Zakat.

How do I value my stock / inventory for Zakat purposes?

The majority scholarly position is that trade inventory should be valued at its current market (selling) price on your Hawl date — not its cost price. This is because Zakat is assessed on the wealth you actually possess, and market value is the most accurate measure of what your stock is worth. If exact market valuation is difficult, a reasonable estimate based on recent sales prices is acceptable. Goods that are unsellable or damaged should be excluded or valued at their realistic disposal price.

Can I deduct business loans and liabilities from Zakat?

Yes — short-term liabilities due within the next 12 months may be deducted from your zakatable business assets. This includes accounts payable to suppliers, short-term bank loans or overdrafts, outstanding salaries and wages, and taxes currently due. You cannot deduct the full outstanding balance of a long-term mortgage or business loan — only the portion of instalments due within the next 12 months is deductible.

Are trade receivables (money owed by customers) zakatable?

Yes, trade receivables are generally zakatable. Scholars classify them as dayn qawi (strong, recoverable debts) — and include them in the zakatable base. However, you should only include amounts you genuinely expect to collect. Debts that are old, disputed or unlikely to be recovered (bad debts) should be excluded. Once a bad debt is eventually recovered, Zakat becomes due for all past years in which it was receivable, according to most scholars.

How is Zakat calculated for a partnership or limited company?

For a partnership: each partner identifies their proportional share of the business's zakatable assets (cash, inventory, receivables) and adds it to their personal zakatable wealth. Zakat is then calculated at the individual level. For limited companies: the preferred approach is for the company to calculate the zakatable assets per share and communicate this to shareholders, who then pay Zakat on their shareholding accordingly. Where this information is not available, shareholders may estimate based on the company's last published balance sheet. Complex structures should be reviewed with an Islamic finance scholar.

Is Zakat due on business property and land?

Business property is treated according to its purpose. Land or buildings held for resale or development (trade intention) are zakatable at current market value. Land and buildings used purely for business operations (your office, factory, warehouse) are not zakatable as fixed operational assets. Rental income from commercial property may be combined with your other wealth and assessed at year end if it meets Nisab.

Do I include personal assets alongside business assets for Zakat?

Yes. Zakat is calculated on your total combined net wealth — business zakatable assets plus personal cash, savings, gold, silver and investments — all assessed together against the Nisab. You do not calculate business Zakat separately from personal Zakat; everything is added together and 2.5% is calculated on the combined net zakatable amount above Nisab. Use the Complete Zakat Calculator to combine all asset types in one calculation.

What if my business has been operating for less than one lunar year?

Zakat requires a full lunar year (Hawl) to have passed since your zakatable wealth first reached or exceeded the Nisab. If your business is new and has not yet completed its first Hawl, Zakat is not yet obligatory — but your Hawl clock has started from the date your net assets first exceeded Nisab. Keep track of this date and calculate Zakat on your first Hawl anniversary. Our calculator can still estimate your expected Zakat liability for planning purposes.

View All Zakat FAQs →

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