Zakat Calculator Malaysia
Calculate your Zakat Pendapatan and Zakat Harta using real-time gold prices or your individual Malaysian state Nisab.
Nisab Threshold
RM57,375.00
Your wealth and income is below the Nisab threshold. No Zakat is due at this time.
Turn your Zakat into a Tax Rebate!
Save your Zakat receipts and track your LHDN tax reliefs. Join thousands of Malaysians who never miss a claim.
Start Saving for FreeDisclaimer: This calculator is provided for informational purposes only and does not constitute official tax, religious or financial advice. Zakat rates, Nisab values, and Had al-Kifayah (deduction) rules are subject to the specific fatwas of your respective Malaysian State Islamic Religious Council (MAIN). While Zakat payments to official state bodies qualify for a 100% tax rebate under Section 6A(3) of the Income Tax Act 1967, users are strictly advised to verify their final obligations via the official e-Zakat portals of their state.
Fulfilling your Zakat obligations in Malaysia is a pillar of faith that requires accuracy and transparency. Our comprehensive calculator is designed to help Malaysian Muslims calculate their Zakat Pendapatan (Income) and Zakat Harta (Wealth) using the most up-to-date gold price benchmarks or individual state nisab.
How to Calculate Zakat Pendapatan (Income)
In Malaysia, Zakat on income is mandatory for those whose annual net income meets the Nisab. Most state Zakat centers recommend the "Net Income After Deductions" method. This allows you to subtract Had al-Kifayah (basic living costs) before calculating the 2.5% contribution.
Common Deductions (Al-Kifayah)
- ✔ Individual (Self)
- ✔ Wife (per person)
- ✔ Children (per child)
- ✔ EPF Contributions
- ✔ Parents' support
Understanding the Nisab & Gold Prices
The Nisab is the minimum threshold of wealth that makes Zakat obligatory. In the Malaysian context, this is based on the value of 85 grams of gold. Because gold prices fluctuate daily, our calculator fetches live market rates to ensure your calculation is as accurate as possible for the current year. Alternatively, you can enter your individual states nisab.
100% LHDN Tax Rebate in Malaysia
One of the most significant financial advantages for Malaysian taxpayers is the Zakat Tax Rebate. Under Section 6A(3) of the Income Tax Act 1967, any Zakat paid to an official state authority is a direct rebate from your total tax charged, not just a deduction from your taxable income. This means if you owe RM 2,000 in income tax and pay RM 2,000 in Zakat, your tax payable becomes RM 0.
Zakat on Savings, Stocks, and Crypto
Your Zakat Harta encompasses all liquid and tradeable assets held for one year. This also includes:
Simpanan
Cash in savings, current accounts, and Fixed Deposits.
Saham & Unit Trust
Value of stocks on Bursa Malaysia or mutual fund portfolios.
Crypto Assets
Digital assets like Bitcoin and Ethereum held for trade.
How Zakat Works with Tax Reliefs
While Zakat provides a 100% tax rebate, it is only one part of your tax-saving strategy. To fully optimize your LHDN filing, you should first calculate your chargeable income by identifying all eligible tax deductions.
Our Personal Income Tax Relief Calculator helps you track lifestyle, medical, and insurance deductions. By combining these reliefs with your Zakat rebate, you can ensure that you are not paying a single Ringgit more than necessary to LHDN.
Zakat FAQ
Is Zakat a direct rebate for LHDN income tax?
Yes! Under Section 6A(3) of the Income Tax Act 1967, Zakat paid to official Malaysian state authorities is a 100% tax rebate (potongan terus), not just a deduction from taxable income. This means it directly reduces the amount of tax you owe to LHDN.
When should I pay Zakat on my EPF (KWSP) savings?
According to most Malaysian state fatwas, Zakat on EPF is only mandatory upon withdrawal (at age 50, 55, or for specific schemes). You calculate 2.5% of the withdrawn amount, provided it meets the Nisab.
Do I need to pay Zakat on ASB or Tabung Haji?
Tabung Haji already pays Zakat on behalf of depositors, so you do not need to pay it again. For ASB, you must pay Zakat (2.5%) on the lowest balance of the year plus the dividend, provided the total wealth exceeds the Nisab.
What is "Urf Gold" and how does it affect my jewelry?
Urf is the "local custom" weight limit for worn jewelry. If your gold jewelry stays below the state limit, it is exempt. If it exceeds the limit, you pay 2.5% Zakat on the total weight.
Can I pay Zakat to a different state than where I live?
While it is permissible (Sah), it is highly recommended to pay Zakat to the state where you earn your income or reside, as the priority is to support the "Asnaf" (needy) within your local community.
How do I calculate Zakat if my income fluctuates?
You should calculate based on your total actual annual income (including bonuses and side hustles) minus your "Had al-Kifayah" (basic living costs). If the remainder is above the Nisab, you owe 2.5%.