Zakat Calculator · KontrolUang
Investment Zakat Calculator
Do you invest in stocks, mutual funds, bonds, or sukuk? Investment assets that reach nisab and are held for one full year are subject to zakat. Enter your portfolio value below to calculate it.
Nisab note
Investment zakat follows the gold nisab: equivalent to the value of 85 grams of gold (≈ Rp 161,500,000 in 2026). It is calculated from the market value at haul, not the original purchase price.
Live gold & silver reference
This data helps set nisab for gold/silver zakat automatically.
Last updated: 30/7/2026, 10.35.28
Gold price per gram
Rp 2.371.098
Silver price per gram
Rp 33.798
Gold nisab value (85g)
Rp 201.543.321
Silver nisab value (595g)
Rp 20.109.765
Current value, not purchase price
Current NAV
Nominal value + interest/returns
Current market value
Total investments: Rp 0
Current nisab: Rp 201.543.321
Connect your investment portfolio & calculate zakat automatically
KontrolUang can connect to your investment data to calculate zakat automatically at each haul—without manual calculations.
FAQ
Yes. Zakat is calculated based on the stock’s market value when haul is reached—not when you sell. Even if you have an unrealized loss, the value is still based on the market price at that time.
Mutual fund zakat is calculated from the Net Asset Value (NAV) of your units at haul. If NAV per unit × number of units exceeds nisab and haul is met, 2.5% of the total NAV is due.
There are two opinions: some scholars include dividends and gains in investment zakat (2.5%), while others categorize them as income under professional income zakat. The more cautious approach is to account for both.
Most contemporary scholars, including MUI, consider crypto held as an investment (not for day-to-day trading of goods) analogous to commodities, and thus included under zakat maal or investment zakat—if it reaches nisab and haul.
Investment Zakat 2026: Stocks, Mutual Funds, Crypto—How to Calculate
Why are investments subject to zakat?
In Islamic jurisprudence, productive wealth with the potential to grow is a primary category for zakat. Stock, mutual fund, and bond investments fall into this category—because the wealth is deployed to generate returns.
The difference between investment zakat and zakat maal
Technically, investment zakat is part of the broader zakat maal. For practical reasons, many zakat institutions and Islamic finance apps separate them so users can calculate more precisely by asset type.