Nisab Calculator Singapore (2026)

Nisab is the minimum threshold of wealth at which zakat al-mal becomes obligatory. It is derived from hadith specifying 20 dinars of gold (~85 grams) or 200 dirhams of silver (~595 grams) as the cut-off below which a Muslim is not required to pay zakat. The reasoning is that nisab represents enough wealth to comfortably exceed basic needs — those below it are themselves eligible to receive zakat rather than pay it. Nisab must be exceeded continuously for one Hijri lunar year (haul) for zakat to be due.

Both are valid under Sunni jurisprudence, but most contemporary Singapore asatizah and MUIS recommend the silver nisab. Historically, gold and silver nisab were roughly equivalent in purchasing power; today, silver is significantly cheaper per gram, making the silver standard a lower threshold that captures more zakat-eligible Muslims. Using silver nisab is more aligned with the original intent of supporting the poor and fulfils the obligation more conservatively. The silver standard is also the default at zakat.sg.

Nisab values shift daily with gold and silver spot prices in SGD. At mid-2025 prices, the gold nisab (85g) was approximately SGD 9,800 and the silver nisab (595g) was approximately SGD 770. By May 2026, gold prices have moved — check zakat.sg or the MUIS nisab announcement for the latest gazetted SGD figure before paying. The calculator on this page automatically applies a recent reference rate, but the official MUIS rate is the binding figure for legal zakat obligations.

Yes. MUIS's Fatwa on Zakat on CPF Savings (published in the MUIS Fatwa Library) confirmed that CPF balances above the relevant retirement set-aside are zakatable, and they also count toward nisab. If your liquid wealth alone is below nisab but your total wealth including CPF crosses the threshold, you are above nisab and zakat is due on the qualifying CPF portion. The CPF amount included is the balance you can access — typically the OA + SA + MA balances net of any required FRS set-aside for members 55 and above. Active workers under 55 commonly defer paying CPF zakat until withdrawal age. Reference: muis.gov.sg/officeofthemufti/Fatwa/English-Fatwa-Zakat-on-CPF-Savings.

MUIS publishes an updated nisab figure periodically — typically before each Ramadan and whenever gold or silver prices move significantly. The underlying gold and silver spot prices change every trading day, so the "live" nisab fluctuates continuously. For practical purposes, most Muslims check the official MUIS nisab on their anniversary haul date and pay based on that snapshot. Our calculator uses a recent reference rate updated periodically — always cross-check against zakat.sg for the gazetted figure before submitting a formal zakat payment.

Classical jurisprudence requires nisab to be held continuously for one full Hijri year. If your wealth dipped below nisab during the year and then recovered, technically the haul resets from the date wealth crossed nisab again. In practice, MUIS and most Singapore asatizah take a more pragmatic view: as long as you held nisab at the start and end of the Hijri year, zakat is due on the end-of-year balance. The most cautious approach is to track your minimum balance throughout the year — if it stayed above nisab, calculate zakat on the year-end total; if it dipped below, restart the haul from the day it crossed back above.

Because gold and silver spot prices fluctuate daily, MUIS publishes a monthly reference nisab so Singapore Muslims have an authoritative figure to use on their haul anniversary date. The current and past nisab values are published at zakat.sg/current-past-nisab-values. When in doubt, use the MUIS-gazetted figure for the month in which your haul falls — this is the figure recognised for zakat purposes in Singapore.

Each spouse calculates zakat on their own zakatable wealth — Islam treats husband and wife as separate financial agents for zakat purposes. For a joint bank account, you should attribute the balance based on each spouse's actual contribution and ownership share. Each spouse then checks their individual share against nisab independently. If one spouse is above nisab and the other is not, only the one above nisab owes zakat. For specific cases, refer to zakat.sg or consult MUIS.

Generally yes, if the debt is expected to be repaid (a "strong debt" owed by someone solvent and willing to pay). Money lent out is still part of your wealth and counts toward nisab. If the debt is doubtful — owed by someone unable or unwilling to repay — most scholars say you only pay zakat on it when, and if, you actually receive it. Refer to MUIS / zakat.sg guidance on Zakat on Receivables for specific treatment.