Zakat Calculator for Cash & Savings in South Africa 2026
Calculate your Zakat on cash & savings in South Africa for 2026. Free online calculator with real-time prices in ZAR. Shafi'i madhab guidelines. Accurate and scholarly verified.
💵Cash & Savings Zakat Calculator
🇿🇦South Africa · ZAR
1Configuration
School of Jurisprudence (Madhab)
Nisab Threshold Basis
ℹ️ Gold: ~ZAR 1,640.00/g · Silver: ~ZAR 18.50/g (approximate — connecting to live prices...)
2Your Zakatable Assets
🥇 Gold
🥈 Silver
Bank accounts, savings, deposits, cash on hand.
Total market value of all crypto holdings.
Inventory + cash on hand + trade receivables. Exclude fixed assets (machines, furniture).
🏠 Real Estate
Primary residence is exempt (scholarly consensus). Zakatable below applies only to property held for resale or rental income.
Only the amount saved — not the property value itself.
3Debts & Liabilities
Shafi'i Ruling on Debts
The Shafi'i school does not permit deduction of debts from zakatable wealth. (Source: Al-Majmu' — Imam al-Nawawi)
4Zakat Calculation Result
Enter your assets above to see your Zakat calculation.
Important Disclaimer
This calculator provides a general estimate based on commonly accepted scholarly guidelines. Zakat obligations can vary based on individual circumstances, madhab, and local scholarly opinions. Always consult a qualified Islamic scholar for a ruling specific to your situation. This tool does not constitute a fatwa or religious ruling.
About Cash & Savings Zakat in South Africa
Calculate Zakat on your cash savings, bank accounts, and deposits in South Africa. Our free calculator uses the Shafi'i madhab nisab threshold in ZAR. Includes fixed deposits, foreign currency, and all liquid assets held for one lunar year.
Shafii Madhab Rule
Uses gold nisab (~85g value). No debt deductions. Bank interest: principal zakatable, interest to be purified.
Source: South African National Zakah Fund (SANZAF)
Frequently Asked Questions
What is the nisab for cash and savings in South Africa?
The nisab for cash depends on your madhab. The Shafi'i school (predominant in South Africa) uses the gold nisab. Use our calculator for the exact threshold in ZAR.
Do I pay Zakat on my bank account?
Yes. All cash holdings including bank accounts, savings accounts, fixed deposits, and cash on hand are zakatable if the total exceeds nisab for one lunar year.
Is bank interest (riba) subject to Zakat?
The principal amount is zakatable. Bank interest is considered impermissible (riba) and should be purified — given away entirely to charity without expecting reward. Consult your local scholar.
Are debts deductible from my cash Zakat?
In the Shafi'i school, debts are NOT deductible from zakatable wealth. The Shafi'i school does not allow any debt deductions.