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Zakat Calculator Malaysia

Calculate your Income Zakat (with Had Kifayah deductions) and Savings Zakat obligations using the gold Nisab threshold.

* Selangor 2026: RM 42,047.00 (based on 85g gold).

Had Kifayah Deductions (Reliefs)

Deduct family basic needs component before calculating zakat.

Had Kifayah rates (your state)

Had kifayah is set by each state's zakat authority. The defaults below follow the Selangor (LZS) schedule - change them if your state differs.

Self (Had Kifayah: RM 14,580)

Zakat Payable

RM0.00

Gross annual salaryRM60,000.00
Annual bonusRM5,000.00
Total gross annual incomeRM65,000.00
Self deduction (Had Kifayah)RM14,580.00
Spouse deductionRM5,000.00
EPF contribution deductionRM6,600.00
Total deductionsRM26,180.00
Net zakat-eligible incomeRM38,820.00

Obligation Status

NOT OBLIGATORY

Your net assets/eligible income is below the Nisab limit.

AI Zakat Check

A Pro score for nisab, chargeable amount, deductions, and records to review.

AI verdict

BELOW

Score 74/100

Current inputs are below nisab, but keep records and recheck later.

Keep salary, bonus, savings, EPF, takaful, and deduction records.

74

out of 100

Chargeable

RM 38,820

Zakat

RM 0

Buffer

RM -3,227

Main reason

  • Current inputs are below nisab, but keep records and recheck later.

Good signals

  • Calculator result is below nisab under these inputs.
  • Had Kifayah deductions are included in the estimate.

How to improve the decision

  • Keep salary, bonus, savings, EPF, takaful, and deduction records.
  • Confirm the current nisab and detailed rules with your state zakat authority.
  • Review Had Kifayah inputs yearly because family circumstances can change.

AI explanation

Sign in to try this Pro AI feature.

Zakat planning assistant

Use Pro AI to sanity-check whether this zakat calculation looks complete, what records to prepare, and what still deserves review.

Current calculator result10 shared answers or calculations / monthEducational tips only

AI will use this context

My zakat estimate

Income zakat mode, nisab RM42,047, chargeable amount RM38,820, zakat payable RM0, obligation status not obligatory.

Educational planning tips only, not licensed financial advice.

Assumptions

  • Nisab threshold applied is RM 42,047.00.
  • Zakat rate is fixed at 2.5%.
  • Income Zakat is calculated annually, less the Had Kifayah deductions you select.

This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer

Information last reviewed: 2026-05-25 · Result type: official-rate implementation

Frequently Asked Questions

What is the Zakat rate and Nisab threshold in Malaysia?
The zakat rate is flat 2.5%. The Nisab threshold represents the value of 85 grams of gold, which is updated state-by-state by Majlis Agama Islam Negeri.
What is Had Kifayah?
Had Kifayah is the baseline cost of essential basic needs for a family, used to calculate allowable reliefs/deductions for Zakat Pendapatan (income zakat).

Related Calculators

Salary Calculator Malaysia →Fixed Deposit Calculator Malaysia →
Report an issue or outdated rate

Quick calculator guide

How to use Zakat Calculator (Income & Savings)

Calculate Zakat Pendapatan (with Had Kifayah) and Zakat Simpanan using current Nisab. Results are educational estimates, not official approval or advice.

  1. 1

    Choose the correct zakat basis

    Select income or savings, then enter nisab, earnings or lowest savings balance and only eligible deductions for your state.

  2. 2

    Review chargeable amount and zakat

    Check whether the amount exceeds nisab, what deductions were used and how the estimated zakat was derived.

  3. 3

    Test only supported deductions

    Add or remove had kifayah, EPF, takaful or family deductions only when the selected state method permits them.

Before relying on the result

  • Confirm nisab, haul, deduction method and final liability with your state zakat authority.
  • Notice the rate date and assumptions stated on the page.
  • Confirm important decisions with the relevant bank, employer, or authority.
View methodology