Calculate and Pay Your Savings Zakat Here

The evidence regarding zakat savings reads as follows:

The Prophet's words:

“Apabila kamu mempunyai 200 dirham dan telah cukup haul (genap setahun) diwajibkan zakatnya 5 dirham, dan tidak diwajibkan mengeluarkan zakat (emas) kecuali kamu mempunyai 20 dinar (salah satu matawang zaman dahulu yang digunakan di negara Arab). Apabila kamu mempunyai 20 dinar dan telah cukup haulnya diwajibkan zakatnya setengah dinar. Demikian juga kadarnya jika nilainya bertambah dan tidak diwajibkan zakat bagi sesuatu harta kecuali genap setahun.” (Hadis riwayat Abu Daud)

Sementara itu, ia juga terdapat dalam al-Quran, iaitu mengenai simpanan emas dan perak. Dalam surah At-Taubah ayat 34-35, Allah berfirman, “Dan (ingatlah) orang-orang yang menyimpan emas dan perak serta tidak membelanjakan ke jalan Allah, maka khabarkanlah kepada mereka dengan (balasan) azab seksa yang tidak terperi sakitnya. (Iaitu) pada hari dibakar emas, perak (dan harta benda) itu dalam neraka jahanam, lalu diselar dengannya dahi mereka, dan rusuk mereka, serta belakang mereka (sambil dikatakan kepada (mereka). Inilah apa yang telah kamu simpan untuk diri kamu sendiri, oleh itu rasalah (azab daripada) apa yang kamu simpan itu.”

It can be seen here how important it is for us to pay zakat savings so that our wealth and savings will be pleased with Allah SWT.

Jadi, siapakah yang wajib membayar zakat simpanan ini dan apa nisabnya? Untuk pengetahuan, nisab zakat simpanan adalan bersamaan dengan nilai 85 gram emas. Pada kiraan bulan Julai-Disember 2026, nilai nisab ini bersamaan dengan RM38,748. Jumlah ini juga bersamaan dengan 595 gram nilai perak, bagi mereka yang mahu membayar zakat simpanan ke atas simpanan barang perak.

This means, if your savings exceed RM21,432 (or any value during zakat savings in the respective state), you are obliged to pay zakat savings after sufficient haul. Haul savings zakat when enough for a year. Therefore, after the haul period is enough, zakat savings must be charged on the last balance of the haul period. Most of the savings zakat payers calculate the haul from January to December. With that, this savings zakat payment can be deducted from the annual tax paid to the Inland Revenue Board. However, if you want to pay zakat savings at another time, it is not a problem as long as you have enough haul for this year.

For zakat payers who calculate the haul according to the Christian calendar, you need to know that the rate recommended by the Accounting and Auditing Organization of Islamic Financial Institutions (AAOIFI) is 2.577%. This is because the duration of one year in the Christian calendar is longer than the duration of a year according to the Hijrah year calendar. However, don't worry because the amount of savings zakat charged is certainly not much different.

How to calculate savings zakat is like this. If your savings reach the savings nisab zakat rate, the zakat rate charged is as much as 2.5%. For contoh, jika jumlah simpanan anda daripada kesemua sumber simpanan berjumlah RM22,000, pengiraan kadar wajib zakat simpanan adalah seperti berikut;

2.5% x RM22,000 = RM550

Therefore, the amount of savings zakat that must be paid that year is as much as RM550.

Zakat savings
can be paid online by filling out the form above.

Happy fulfilling the obligation to pay zakat savings.