🕌 Zakat Calculator Malaysia 2026

Kalkulator Zakat | Calculate Your Zakat Obligation

Zakat Emas, Wang, KWSP, ASB, Saham | Live Nisab Based on Gold Price

💰Nisab: RM34850 📊2.5% Rate 🪙85g Gold = Nisab

🧮 Calculator 📋 Zakat Types 📏 Nisab 💼 EPF/KWSP 💳 Pay Zakat ❓ FAQ

📏Current Nisab Value 2026 | Nilai Nisab Semasa

Gold Nisab | Nisab Emas

85g

Pure Gold (999)

Nisab in RM

RM34850

Based on gold price

Silver Nisab | Nisab Perak

595g

Pure Silver

Zakat Rate | Kadar Zakat

2.5%

1/40 of wealth

Nisab adalah jumlah minimum harta yang mewajibkan seseorang membayar zakat. Bersamaan dengan 85 gram emas tulen (999). | Nisab is the minimum wealth threshold that obligates a Muslim to pay Zakat.

🧮Zakat Calculator | Kalkulator Zakat

🪙 Gold Value | Nilai Emas (RM)

🥈 Silver Value | Nilai Perak (RM)

💵 Cash on Hand | Wang Tunai (RM)

🏦 Bank Savings | Simpanan Bank (RM)

💼 EPF/KWSP Balance (RM)

Zakat bila dikeluarkan atau tahunan (ikut pendapat)

📈 Investments | Pelaburan (RM)

🏠 Business Assets | Aset Perniagaan (RM)

📉 Debts to Deduct | Hutang (RM)

📋Types of Zakat | Jenis-jenis Zakat

🪙Zakat Emas & Perak

Zakat on Gold & Silver

• Nisab emas: 85g (20 misqal)
• Nisab perak: 595g (200 dirham)
• Kadar: 2.5%
• Termasuk barang kemas

💵Zakat Wang Simpanan

Zakat on Savings

• Wang tunai & bank
• Cukup haul (1 tahun)
• Cukup nisab
• Kadar: 2.5%

💼Zakat KWSP/EPF

Zakat on EPF

• 2 pendapat ulama
• Bayar bila dikeluarkan
• Atau bayar tahunan
• Kadar: 2.5%

📈Zakat Saham & ASB

Zakat on Shares & Investments

• Unit trust, ASB, ASM
• Saham syarikat
• Zakat atas nilai semasa
• Kadar: 2.5%

🏢Zakat Perniagaan

Zakat on Business

• Stok & inventori
• Aset perniagaan
• Modal pusingan
• Kadar: 2.5%

💰Zakat Pendapatan

Zakat on Income

• Gaji bulanan
• Pendapatan bebas
• Boleh bayar bulanan
• Kadar: 2.5%

🌾Zakat Fitrah

Zakat Fitrah (Ramadan)

• Wajib setiap Muslim
• Bayar sebelum Hari Raya
• 1 gantang beras/makanan ruji
• ~RM7-14 per orang

🌾Zakat Pertanian

Zakat on Agriculture

• Hasil tanaman
• 5% (dengan usaha)
• 10% (hujan/sungai)
• Nisab: 653kg

🐄Zakat Ternakan

Zakat on Livestock

• Lembu, kambing, unta
• Nisab berbeza
• Lembu: 30 ekor
• Kambing: 40 ekor

💼Zakat KWSP/EPF Guide | Panduan Zakat KWSP

Pendapat 1: Bayar Bila Dikeluarkan

Pay when withdrawn

• Zakat dikira bila pengeluaran KWSP
• 2.5% daripada jumlah dikeluarkan
• Lebih mudah dikira
• Pendapat Majlis Fatwa Kebangsaan

Pendapat 2: Bayar Tahunan

Pay annually on balance

• Zakat dikira atas baki tahunan
• 2.5% daripada jumlah KWSP
• Lebih berhati-hati
• Pendapat beberapa ulama

EPF Zakat Calculator Example | Contoh Pengiraan

EPF Balance

RM100,000

× 2.5%

0.025

Zakat Amount

RM2,500

🤲8 Asnaf - Who Receives Zakat | Siapa Yang Layak Menerima Zakat

"Zakat is only for the poor and the needy, and those who collect it, and those whose hearts are to be reconciled, and to free captives and debtors, and for the cause of Allah, and for travelers." - Surah At-Tawbah (9:60)

😢

Fakir

The Poor | Yang Miskin

🥺

Miskin

The Needy | Yang Memerlukan

📋

Amil

Zakat Collectors | Pengutip Zakat

🕌

Muallaf

New Muslims | Saudara Baru

⛓️

Riqab

Freeing Captives | Memerdekakan

💳

Gharimin

Those in Debt | Yang Berhutang

⚔️

Fisabilillah

In Allah's Cause | Jalan Allah

🧳

Ibnu Sabil

Travelers | Musafir

1. Fakir (The Poor)

Those who have no income/wealth and cannot meet basic needs. In Malaysia: income below 50% of Kifayah (poverty line). | Mereka yang tiada pendapatan dan tidak mampu memenuhi keperluan asas.

2. Miskin (The Needy)

Those who have income but insufficient for basic needs. Income between 50-100% of Kifayah. | Mereka yang ada pendapatan tetapi tidak mencukupi untuk keperluan asas.

3. Amil (Zakat Administrators)

Those appointed to collect, manage, and distribute Zakat. In Malaysia: State Islamic Religious Council staff. | Pegawai yang dilantik untuk mengutip dan mengagihkan zakat.

4. Muallaf (New Converts)

New Muslims who need support to strengthen their faith and integrate into Muslim community. | Saudara baru Islam yang memerlukan bantuan untuk mengukuhkan iman.

5. Riqab (Freeing Captives)

Historically for freeing slaves. Modern interpretation: helping those trapped in modern slavery, human trafficking, or oppression. | Membebaskan mereka yang tertindas.

6. Gharimin (Debtors)

Those in debt for permissible reasons and cannot repay. Not for business losses due to negligence. | Yang berhutang untuk keperluan asas dan tidak mampu membayar.

7. Fisabilillah (In Allah's Cause)

Those striving in the way of Allah: Islamic education, dakwah, defending Islam, humanitarian aid. | Mereka yang berjuang di jalan Allah, pendidikan Islam, dakwah.

8. Ibnu Sabil (Travelers)

Stranded travelers who need assistance to return home, even if wealthy at home. Must be for permissible travel. | Musafir yang keputusan wang dalam perjalanan halal.

📖Islamic Foundation of Zakat | Asas Islam Zakat

📜 Quranic Verses on Zakat | Ayat Al-Quran

"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

"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 in the Five Pillars | Zakat dalam Rukun Islam

1️⃣ Syahadah 2️⃣ Solat 3️⃣ ZAKAT 4️⃣ Puasa 5️⃣ Haji

👤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

✗ Primary residence

✗ Personal vehicle

✗ Personal clothing

✗ Household furniture

✗ Tools of trade

✗ Books for personal use

✗ Personal electronics

✗ Basic necessities

🇲🇾Official Malaysian Zakat Calculation | Pengiraan Rasmi Malaysia

📊 Zakat Harta (Wealth) Formula

Step 1: Total all zakatable assets

Step 2: Deduct permissible debts

Step 3: Check if ≥ Nisab (RM34850)

Step 4: If yes, multiply by 2.5%

Zakat = (Assets - Debts) × 2.5%

💰 Zakat Pendapatan Formula (2 Methods)

Method 1: Without Deduction

Gross Income × 2.5%

Simpler, more precautionary

Method 2: With Deduction (Kifayah)

(Income - Basic Needs - Dependents) × 2.5%

Official method by most states

🧮 Example Calculation | Contoh Pengiraan

Zakat Harta Example:

Gold: RM50,000

Savings: RM30,000

ASB: RM20,000

Debts: -RM5,000

Net: RM95,000

Zakat: RM95,000 × 2.5% = RM2,375

Zakat Pendapatan Example:

Annual Income: RM60,000

Self: -RM9,000

Wife: -RM3,000

2 Children: -RM2,000

Net: RM46,000

Zakat: RM46,000 × 2.5% = RM1,150/year

💳Pay Zakat Online Malaysia | Bayar Zakat Online

🏛️

LZS Selangor

zakatselangor.com.my

🏛️

PPZ-MAIWP (WP)

zakat.com.my

🏛️

MAIJ Johor

e-zakat.com.my

🏛️

ZPP Penang

zakatpenang.com

🏛️

MAIDAM Terengganu

maidam.gov.my

🏛️

MAIK Kelantan

maik.gov.my

🏛️

LZNK Kedah

zakatkedah.com.my

🏛️

MAIPk Perak

zakatperak.gov.my

🏛️

MAIPS Perlis

maips.gov.my

❓Zakat FAQ | Soalan Lazim

What is Nisab? | Apa itu Nisab?▼

Nisab is the minimum wealth threshold. For gold, it's 85 grams of pure gold. For silver, it's 595 grams. Most calculations use gold 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?▼

In Malaysia, most scholars require Zakat on ALL gold including jewelry if it reaches nisab. Calculate total gold weight including rings, bracelets, necklaces.
Di Malaysia, kebanyakan ulama mewajibkan zakat atas SEMUA emas termasuk barang kemas jika cukup nisab.

What is Haul? | Apa itu Haul?▼

Haul is 1 lunar year (354 days). Your wealth must remain above nisab for 1 full haul before Zakat becomes obligatory.
Haul adalah 1 tahun hijrah (354 hari). Harta anda mesti melebihi nisab selama 1 haul penuh.

Can I deduct debts from Zakat calculation?▼

Yes, short-term debts (due within 1 year) can be deducted. Long-term debts like mortgage are debatable - consult local authority.
Ya, hutang jangka pendek boleh ditolak. Hutang jangka panjang seperti pinjaman rumah - rujuk pihak berkuasa.

Do I pay Zakat on ASB? | Zakat atas ASB?▼

Yes, Zakat is payable on ASB, ASM, unit trusts and investments if total wealth exceeds nisab for 1 haul. Calculate on current value.
Ya, zakat wajib atas ASB, ASM, unit amanah jika jumlah harta melebihi nisab selama 1 haul.

Can I pay Zakat in installments? | Bayar ansuran?▼

Yes, you can pay monthly (Zakat pendapatan) or in advance. Many people pay monthly to make it easier. Set up auto-debit with state Zakat authority.
Ya, boleh bayar bulanan atau awal. Ramai bayar bulanan untuk memudahkan. Boleh auto-debit dengan pusat zakat.

Is Zakat Fitrah different from Zakat Harta?▼

Yes! Zakat Fitrah is paid during Ramadan (fixed amount ~RM7-14/person). Zakat Harta is 2.5% on wealth above nisab. Both are obligatory.
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?▼

You cannot give Zakat to parents, grandparents, children, grandchildren, or spouse. You CAN give to siblings, uncles, aunts, cousins if they qualify.
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?▼

Yes! In Malaysia, Zakat payment is 100% tax rebate (not just deduction). Your Zakat amount is directly deducted from your tax payable. Keep receipts from official zakat centers.
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?▼

Not paying Zakat is a major sin in Islam. The Quran mentions severe punishment. Historically, Abu Bakr (RA) waged war against those who refused Zakat. It's one of the Five Pillars of Islam.
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?▼

No Zakat on primary residence or personal vehicle. However, if you have multiple properties for investment/rental income, Zakat may apply on the rental income, not the property value.
Tiada zakat atas rumah kediaman atau kenderaan peribadi. Tetapi hartanah pelaburan - zakat atas pendapatan sewa.

What if I missed paying Zakat for years?▼

You must calculate and pay for all missed years (Qada Zakat). Estimate your wealth for each missed year and pay 2.5% for each. Seek forgiveness from Allah and consult local authority.
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?▼

Gold 916 (22K) is 91.6% pure gold. For 85g nisab: 85g ÷ 0.916 = 92.8g of 916 gold. For Zakat calculation, use market value of your gold regardless of purity.
Emas 916 adalah 91.6% tulen. Untuk nisab: 85g ÷ 0.916 = 92.8g emas 916. Pengiraan zakat guna nilai pasaran semasa.

💰Zakat Pendapatan Calculator | Income Zakat

Kaedah 1: 2.5% Pendapatan Kasar

Simple method - 2.5% of gross income

Gaji Bulanan: RM5,000

× 2.5% = RM125/bulan

Setahun = RM1,500

Kaedah 2: Tolak Keperluan Asas

Deduct basic necessities first

Gaji: RM5,000

- Keperluan: RM2,000

× 2.5% = RM75/bulan

Complete Zakat Guide Malaysia 2026 | Panduan Lengkap Zakat

Understanding Zakat | Memahami Zakat

Zakat is one of the Five Pillars of Islam and is obligatory for every Muslim who meets the criteria of wealth (nisab). The word "Zakat" comes from the Arabic root meaning "to purify" and "to grow." By paying Zakat, Muslims purify their wealth and their souls, while simultaneously helping those in need and strengthening the Muslim community (Ummah).

Zakat adalah salah satu Rukun Islam yang lima dan wajib bagi setiap Muslim yang memenuhi syarat harta (nisab). Perkataan "Zakat" berasal dari bahasa Arab bermaksud "menyucikan" dan "berkembang." Dengan membayar zakat, umat Islam menyucikan harta dan jiwa mereka, sambil membantu yang memerlukan dan mengukuhkan ummah.

The Wisdom Behind Zakat | Hikmah Zakat

Spiritual Benefits | Faedah Rohani

Purifies the soul from greed
Develops gratitude (syukur)
Fulfills religious obligation
Brings barakah to wealth
Draws closer to Allah

Social Benefits | Faedah Sosial

Reduces poverty
Redistributes wealth fairly
Strengthens community bonds
Provides social security
Promotes economic circulation

Conditions for Zakat | Syarat Wajib Zakat

Who Must Pay | Siapa Wajib Bayar

Muslim (Islam)
Free person (Merdeka)
Full ownership (Milik sempurna)
Wealth above Nisab (Cukup nisab)
Wealth held for 1 Haul (Cukup haul - 354 days)
Beyond basic needs (Lebih dari keperluan asas)

Types of Zakatable Wealth | Jenis Harta

Gold & Silver (Emas & Perak)
Cash & Savings (Wang & Simpanan)
Investments & Shares (Pelaburan & Saham)
Business assets (Aset perniagaan)
Agricultural produce (Hasil pertanian)
Livestock (Ternakan)

Zakat vs Sadaqah vs Infaq | Perbezaan

Zakat

Obligatory (Wajib)

Fixed rate (2.5%)

Specific recipients (8 Asnaf)

Sadaqah

Voluntary (Sunat)

Any amount

Anyone in need

Infaq