Zakat Calculator Singapore (2026)

Zakat al-mal is 2.5% of your zakatable wealth — savings, gold, silver, shares, business stock, and CPF balances above the nisab threshold — that you have held for one full Hijri lunar year (haul). MUIS recommends using the silver nisab (~SGD 770 in mid-2025) so more Muslims qualify and fulfil the obligation. Liabilities such as personal debts owed to others are deducted from your total before applying the 2.5% rate. You can pay annually on a fixed Hijri date you choose for yourself.

Nisab is the minimum wealth threshold at which zakat becomes payable. Singapore follows Sunni jurisprudence and recognises two standards: 85 grams of gold or 595 grams of silver. MUIS and most contemporary Singapore asatizah recommend the silver standard because it captures a larger share of Muslims and reflects the original intent of the Prophet (PBUH). Nisab values change daily with gold and silver spot prices — check zakat.sg for the current SGD figure before paying.

Yes — MUIS (Majlis Ugama Islam Singapura) is the only government-recognised body for collecting and distributing zakat in Singapore. Payments go through zakat.sg, the official MUIS platform, via PayNow, bank transfer, GIRO, or credit card. MUIS distributes the funds to the eight categories of recipients (asnaf) defined in Surah At-Tawbah, including the poor, needy, and those in debt. Paying outside MUIS is permitted but means your zakat is not centrally tracked or audited.

Yes. MUIS issued a Fatwa (available in the MUIS Fatwa Library) confirming that CPF savings above nisab are zakatable. The 2.5% rate applies to the portion of CPF you can access — for members 55 and above, that is the balance above the FRS set-aside. Most working Muslims under 55 defer paying CPF zakat until withdrawal age, but you can pay annually from other liquid wealth if you prefer. The Fatwa is on the MUIS website under their Fatwa Library.

Zakat is paid once per Hijri lunar year — known as the haul — after your zakatable wealth has stayed above nisab continuously for 12 Hijri months. Most Singapore Muslims pick a fixed Hijri date (often the 1st of Ramadan or their birthday in the Hijri calendar) and calculate from that anchor each year. You do not need to wait for Ramadan, though many choose to pay during Ramadan because rewards are multiplied. Late payment of accumulated zakat from prior years is also obligatory.

Zakat al-mal is 2.5% of annual wealth above nisab, paid by Muslims who hold qualifying wealth for one Hijri year. Zakat fitrah is a fixed per-person amount (SGD 5.00 standard / SGD 8.00 higher grade for Ramadan 1447H / 2026) paid by every Muslim — including children — before the Eid al-Fitr prayer at the end of Ramadan. Fitrah is owed even by those without wealth, as long as they have provisions for that day. The two zakats serve different purposes: zakat al-mal purifies wealth, fitrah purifies the fast and feeds the poor on Eid.

Under Sunni jurisprudence as applied in Singapore, gold and silver jewellery held primarily for personal use (worn regularly) is generally treated differently from jewellery held as a store of value or investment. Jewellery held as an investment, or in excess of customary personal use, is zakatable at 2.5% of its market value once it (combined with your other zakatable wealth) is above nisab and held for one Hijri year. Practical guidance and current MUIS treatment is published on zakat.sg under Zakat on Gold — refer there before applying a personal-use exemption to a specific item.

No. The eight zakatable categories under classical Sunni fiqh — cash, gold, silver, business assets, shares/investments, agricultural produce, livestock, and treasure (rikaz) — do not include personal-use property. Your primary residence (HDB flat or private home you live in), your daily-use vehicle, and household items are excluded. Only investment property held for rental income or capital appreciation may attract zakat treatment under the business/investment asset category — refer to MUIS guidance for property-specific cases.

Past-due zakat remains an obligation and must be paid. The classical Sunni position is that you should calculate what was owed for each missed year based on the wealth you held at that year's haul date, then pay it now. If exact historical figures are unclear, make a good-faith estimate. MUIS guidance is to discharge accumulated zakat as soon as you are able rather than delay further. Payment can be made through zakat.sg with a note that it is for prior years.