Methodology

85 grams of gold sets the gold threshold at the current gram price. Qassim's Arabic specification 1.1, lines 12-28.

Requires confirmation by a scholar.

595 grams of silver sets the silver threshold at the current gram price. Qassim's Arabic specification 1.1, lines 12-28.

Requires confirmation by a scholar.

2.5% applies to a lunar zakat year. Qassim's Arabic specification 1.1, lines 30-42.

Solar reckoning uses 2.5772%.

2.5772% applies to a solar zakat year. Qassim's Arabic specification 1.1, lines 37-42. This legacy whole-basis-point field is rounded for older clients; solarRate is the exact rate used.

Lunar reckoning uses 2.5%.

A lunar year ends on the same Hijri date one year later. Qassim's Arabic specification 1.1, lines 30, 52.

Line 52 says 354 days; the owner accepted the pinned Umm al-Qura anniversary.

A solar zakat year is 365 days. 365 days is carried forward from 2026.4; specification 1.1 lines 37-41 change the solar rate without specifying a different cycle length.

None.

30% of market value is the estimate when a holding has no known zakatable ratio. Qassim's Arabic specification 1.1, lines 82-87.

Use the holding’s own zakatable asset ratio when it is available.

30% is the combined default cost estimate carried forward for retirement accounts. A flat 30% deduction for estimated tax and early-withdrawal penalty on accessible retirement balances. This compatibility field is superseded by the per-account tax and penalty inputs and their separate default entries.

Use the holder’s actual marginal rate plus the 10% penalty rather than a flat figure.

0% is the combined default cost estimate for qualified Roth withdrawals. A Roth’s qualified distributions carry neither income tax nor penalty, so there is nothing to take off. This follows from US tax rules. This compatibility field is superseded by per-account costs; supplied nonqualified Roth costs are deducted.

None. The deduction used for other retirement accounts does not apply to a Roth.

Cryptocurrency is counted in full at its market value, like cash. Mainstream contemporary opinion treats cryptocurrency held as an asset as monetary wealth, fully zakatable at market value.

Staked and DeFi positions are debated. Some scholars distinguish them from spot holdings.

Money owed to you is counted at the amount you expect to recover. Qassim's Arabic specification 1.1, lines 75-76.

The converted sentence is damaged; a scholar should confirm this reading.

2.5772% is applied exactly before rounding the amount up to a cent. Qassim's Arabic specification 1.1, lines 37-42.

Requires confirmation by a scholar.

Each long-term holding uses its own zakatable ratio when one is supplied. Qassim's Arabic specification 1.1, lines 78-87.

Requires confirmation by a scholar.

The withdrawable balance less its applicable tax and penalty is counted each year. Qassim's Arabic specification 1.1, lines 88-98.

The alternative uses the long-term holding ratio without subtracting tax or penalty.

The full account balance is an estimate when its withdrawable amount is missing. Qassim's Arabic specification 1.1, lines 90-97. No fallback amount is specified in the text; this retains the previous balance-based estimate.

Require the actual withdrawable amount, or count zero when the account is inaccessible.

20% is an estimated tax deduction when this account has no supplied tax amount. Qassim's Arabic specification 1.1, lines 90-97. The specification sets no default tax rate; 20% plus a 10% penalty preserves the previous 30% estimate.

Use the tax that actually applies to this account.

10% is an estimated penalty when this account has no supplied penalty amount. Qassim's Arabic specification 1.1, lines 90-97.

Use the penalty that actually applies to this account.

0% is the estimated tax on a qualified Roth withdrawal unless an account amount is supplied. Qassim's Arabic specification 1.1, lines 90-97.

A nonqualified withdrawal may have a tax cost.

0% is the estimated penalty on a qualified Roth withdrawal unless an account amount is supplied. Qassim's Arabic specification 1.1, lines 90-97.

A nonqualified withdrawal may have a penalty.

The default counts net withdrawable retirement wealth; explicit account choices remain available. Qassim's Arabic specification 1.1, lines 93-97.

Excluding until withdrawal and including in full are inherited user choices, not the specification’s recommended method.

Cash, trading holdings, business inventory and investment metals use their full current value. Qassim's Arabic specification 1.1, lines 58-61, 75-84.

Requires confirmation by a scholar.

Saving, trading and the specified impermissible jewellery uses are counted in every school. Qassim's Arabic specification 1.1, lines 61-74.

Requires confirmation by a scholar.

New money joins the existing year while total wealth stays at nisab. Qassim's Arabic specification 1.1, lines 45-54.

The specification names separate Shafii years for unrelated gains and asks whether automatic tracking changes the default.

Silver is the default threshold when no school has been specified. Qassim's Arabic specification 1.1, lines 23-28.

The app always knows the school and keeps its school-specific threshold.

Debts due now and additional instalments in this zakat year reduce the zakatable total. Qassim's Arabic specification 1.1, lines 99-108.

Requires confirmation by a scholar.

Personal debt, retirement and long-term share choices apply from the next zakat year. Defaults stay the specification, and each known fund share and supplied account cost takes precedence over an estimate. October 19 calculation comparison, common-sense answers approved October 23, 2026.

These personal choices do not replace the specification defaults. Ask a qualified scholar which approach suits you.

Unvested retirement money is excluded. A supplied withdrawable amount is already accessible and is not reduced by the vesting percentage again. October 19 calculation comparison, common-sense answers approved October 23, 2026.

These personal choices do not replace the specification defaults. Ask a qualified scholar which approach suits you.

22% is prefilled as an editable personal income tax estimate, from 0% to 60%. It is not a religious ruling. October 19 calculation comparison, common-sense answers approved October 23, 2026. The specification fallback remains 20% when no personal estimate or account cost has been supplied.

These personal choices do not replace the specification defaults. Ask a qualified scholar which approach suits you.

A Roth under 59½ uses no tax and an estimated 10% penalty, unless a withdrawable amount or actual cost is supplied. October 19 calculation comparison, common-sense answers approved October 23, 2026. This is a simplified estimate. Use the account amounts when known; an unknown age keeps the specification fallback.

These personal choices do not replace the specification defaults. Ask a qualified scholar which approach suits you.

Property bought to resell counts at market value. A home or rental property itself is exempt, while rent saved as cash is counted separately. October 19 calculation comparison, common-sense answers approved October 23, 2026.

These personal choices do not replace the specification defaults. Ask a qualified scholar which approach suits you.

Unless you choose otherwise, Nisabify uses the silver threshold, which is the lower one. The lower threshold is preferred so that more wealth becomes subject to zakat, benefiting the poor.

All four schools recognise both nisabs classically. Which one governs paper currency is a modern question with no classical answer.

Unless you choose otherwise, Nisabify uses the gold threshold, which is the higher one. Contemporary fatwa preference for the gold standard.

Not a classical madhhab ruling. Both nisabs are recognised.

Unless you choose otherwise, Nisabify uses the gold threshold, which is the higher one. Contemporary fatwa preference for the gold standard.

Not a classical madhhab ruling.

Unless you choose otherwise, Nisabify uses the gold threshold, which is the higher one. Contemporary fatwa preference for the gold standard.

Not a classical madhhab ruling.

Personal-use gold and silver jewellery is counted in the Hanafi school. Qassim's Arabic specification 1.1, lines 61-74.

The majority exempts permissible personal-use jewellery.

Permissible personal-use gold and silver jewellery is exempt in this school. Qassim's Arabic specification 1.1, lines 61-74.

The Hanafi school counts personal-use gold and silver jewellery.

Permissible personal-use gold and silver jewellery is exempt in this school. Qassim's Arabic specification 1.1, lines 61-74.

The Hanafi school counts personal-use gold and silver jewellery.

Permissible personal-use gold and silver jewellery is exempt in this school. Qassim's Arabic specification 1.1, lines 61-74.

The Hanafi school counts personal-use gold and silver jewellery.

Debts due now plus additional instalments this year are deducted; future principal is excluded. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Ḥanafī value was due12; final defaults by school remain open for review.

Debts due now plus additional instalments this year are deducted; future principal is excluded. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Mālikī value was monetary; final defaults by school remain open for review.

Debts due now plus additional instalments this year are deducted; future principal is excluded. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Shāfiʿī value was none; final defaults by school remain open for review.

Debts due now plus additional instalments this year are deducted; future principal is excluded. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Ḥanbalī value was due; final defaults by school remain open for review.

Your wealth must be at nisab at the start and at the end of the year. A dip in between does not restart it. Qassim, in writing to Nisabify, 2026-10-22: the Hanafi year does not restart after a dip below nisab; the other schools' rule is correct. This position has an exception for wealth that falls to zero. Nisabify does not apply that exception yet.

The other three schools require nisab to be held continuously, so a dip restarts the year.

Any observed dip below nisab ends the year; the next crossing starts a new year. Qassim's Arabic specification 1.1, lines 51-54. Confirmed: Qassim, in writing to Nisabify, 2026-10-22: the Hanafi year does not restart after a dip below nisab; the other schools' rule is correct.

The Hanafi school tests nisab at the start and the end of the year only.

Any observed dip below nisab ends the year; the next crossing starts a new year. Qassim's Arabic specification 1.1, lines 51-54. Confirmed: Qassim, in writing to Nisabify, 2026-10-22: the Hanafi year does not restart after a dip below nisab; the other schools' rule is correct.

The Hanafi school tests nisab at the start and the end of the year only.

Any observed dip below nisab ends the year; the next crossing starts a new year. Qassim's Arabic specification 1.1, lines 51-54. Confirmed: Qassim, in writing to Nisabify, 2026-10-22: the Hanafi year does not restart after a dip below nisab; the other schools' rule is correct.

The Hanafi school tests nisab at the start and the end of the year only.

This draft debt method has no asset-class cap on the deduction. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Maliki method limited the deduction to monetary wealth; a scholar can choose an asset-class cap in this data.

This draft debt method has no asset-class cap on the deduction. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Maliki method limited the deduction to monetary wealth; a scholar can choose an asset-class cap in this data.

This draft debt method has no asset-class cap on the deduction. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Maliki method limited the deduction to monetary wealth; a scholar can choose an asset-class cap in this data.

This draft debt method has no asset-class cap on the deduction. Qassim's Arabic specification 1.1, lines 99-108, 156.

The previous Maliki method limited the deduction to monetary wealth; a scholar can choose an asset-class cap in this data.