Nisab 2026 — UK Zakat Threshold
The Nisab is the minimum wealth threshold that makes Zakat obligatory. If your total qualifying wealth exceeds the Nisab and has done so for one full lunar year, you owe 2.5% as Zakat.
⚠ Metal prices change daily. These figures are based on May 2026 spot prices. For your exact Hawl date, check the gold and silver spot price and recalculate. Our Zakat calculator uses the silver Nisab by default.
What is the Nisab?
The Nisab (Arabic: نِصاب) is the minimum threshold of wealth that makes Zakat obligatory. If your total net zakatable wealth is equal to or above the Nisab, and has remained so for one complete lunar year (the Hawl), you must pay Zakat on your entire zakatable wealth at 2.5%.
The Nisab is not a deductible — Zakat is paid on the total zakatable wealth, not just the amount above the threshold.
Gold Nisab vs Silver Nisab — which should I use?
There are two Nisab thresholds. The silver Nisab is 612.36 grams of silver (~£496.01 in 2026). The gold Nisab is 87.48 grams of gold (~£7,392.06 in 2026).
Most UK scholars and charities recommend the silver Nisab for two reasons:
- The silver Nisab is lower, so it captures more Muslims with the obligation to give — which aligns with Zakat's purpose of circulating wealth.
- In the time of the Prophet (peace be upon him), silver was the primary monetary standard. Using gold today would exempt many Muslims with meaningful savings from Zakat.
If your wealth is above the silver Nisab but below the gold Nisab, you still owe Zakat if you follow the silver standard. Scholars from the Hanafi, Maliki, Shafi'i, and Hanbali schools all accept using the silver Nisab.
What counts towards the Nisab?
All zakatable assets combined are assessed against the Nisab. After subtracting short-term debts, the net total is compared to the Nisab threshold.
Included in your zakatable wealth:
- Cash, savings, and current accounts
- Gold and silver (see Hanafi ruling on jewellery)
- Stocks, shares, and mutual funds
- ISA accounts (Cash ISA, Stocks & Shares ISA)
- Business trade goods and inventory
- Accessible pension savings
- Cryptocurrency
- Money owed to you (receivables you expect to collect)
Not included:
- Your home (primary residence)
- Car and personal transport
- Clothing and household goods
- Long-term investments you cannot access (some scholars exempt locked pension funds)
The Hawl — the one-year condition
Zakat is only due once your wealth has remained at or above the Nisab for one complete lunar year (approximately 354 days). This is called the Hawl. If your wealth dips below the Nisab at any point during the year, the Hawl resets.
Your Zakat is calculated on the wealth you hold at the end of the Hawl — not the peak or average over the year. Learn more in our Hawl guide.
Frequently asked questions
What is the Nisab?
The Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes obligatory. It is based on either 87.48 grams of gold or 612.36 grams of silver. If your total zakatable wealth (cash, gold, silver, savings, investments minus short-term debts) is equal to or above the Nisab, Zakat is due on the entire amount at 2.5%.
Which Nisab should I use — gold or silver?
Most UK scholars and charities recommend the silver Nisab because it is lower, meaning more Muslims meet their obligation and more wealth reaches those in need. The silver Nisab in 2026 is approximately £496. The gold Nisab is approximately £7,394. Using gold would exempt many Muslims with modest savings from Zakat — this is why scholars favour silver.
What is the Nisab in pounds in 2026?
As of May 2026, the silver Nisab is approximately £496 and the gold Nisab is approximately £7,394. These change daily with metal prices — always check on your actual Zakat anniversary (Hawl date) for the most accurate figure.
Does the Nisab apply to total wealth or just savings?
The Nisab applies to your total net zakatable wealth — all qualifying assets combined, minus short-term debts. This includes: cash savings, current accounts, gold, silver, stocks and shares, ISAs, accessible pension savings, business inventory, crypto, and receivables owed to you. It does not include your home, car, or personal possessions.
Does my Nisab need to be maintained for a full year?
Yes. Your wealth must remain at or above the Nisab for one complete lunar year (the Hawl) for Zakat to be due. If it drops below the Nisab at any point during the year, the Hawl resets from when it next reaches the Nisab again. Zakat is then calculated on the wealth held at the end of the Hawl, not the average over the year.