What is Nisab?

Nisab (نصاب) is the minimum threshold of wealth that makes Zakat obligatory. The word means "origin" or "beginning"—marking the starting point for Zakat obligation. If your wealth is below Nisab, you don't owe Zakat. If it equals or exceeds Nisab and has been held for one lunar year, Zakat becomes due.

The Two Nisab Thresholds

Gold Nisab: 87.48 Grams

Based on the hadith: "No Zakat is due on less than twenty dinars." Twenty gold dinars equals approximately 87.48 grams.

2026 Value: ~£4,500-£5,500 (varies with gold prices)

Silver Nisab: 612.36 Grams

Based on the hadith: "No Zakat is due on less than five awaq of silver." Five awaq equals approximately 612.36 grams.

2026 Value: ~£400-£500 (varies with silver prices)

Which Nisab Should You Use?

Scholars differ, but many recommend using the silver Nisab because:

• It was the common currency historically
• More people pay Zakat, benefiting more poor
• It's more cautious (safer for your obligation)

Others prefer gold Nisab because:

• Gold is more stable in value
• May better reflect true wealth today

Conditions for Zakat

Four conditions must be met:

1. Wealth exceeds Nisab
2. One lunar year (hawl) has passed
3. Wealth is fully owned
4. Wealth is beyond basic needs

What's Included in Calculation?

Include:

• Cash and savings
• Gold and silver
• Investments and shares
• Business inventory
• Money owed to you
• Cryptocurrency

Exclude:

• Primary home
• Personal vehicle
• Household items
• Tools for work

Example Calculation

Nisab Changes Each Year

While the weight (87.48g gold / 612.36g silver) stays constant, the monetary value changes with metal prices. Always check current prices when calculating your Zakat.

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Frequently Asked Questions

What is Nisab for Zakat 2026?

Gold Nisab: 87.48g (~£4,500-£5,500). Silver Nisab: 612.36g (~£400-£500). Many scholars recommend using silver.

Should I use gold or silver Nisab?

Many scholars recommend silver Nisab as it means more people pay Zakat, benefiting more poor. Using silver is more cautious.

Does Nisab value change?

The weight (87.48g gold, 612.36g silver) is constant. The monetary value changes with metal prices—check current prices.

What if my wealth fluctuates around Nisab?

If wealth drops below Nisab during the year and rises again, the one-year period resets from when it exceeded Nisab.

How much Zakat do I pay if above Nisab?

Pay 2.5% of your total Zakatable wealth (not just the amount above Nisab).

Is Nisab the same for everyone?

Yes, the Nisab threshold applies universally to all Muslims, regardless of location or circumstances.