Charity No: 1136405

Zakah Q & A

Q.   What is zakat?


A.   Literally, zakat means ‘to cleanse or purification. It differs from charitable gifts given out of kindness or generosity (sadaqah), but refers to the systematic giving of 2.5% of one's wealth over a threshold each year to benefit the poor.


Q.   What is sadaqah?


A.   Sadaqah means to voluntarily give charity out of generosity, kindness or the goodness of one’s heart.


Q.   What's the difference between zakah and sadaqah?



ZAKAT                                                     SADAQAH

Compulsory                                              Voluntary

Fixed rate                                                 Flexible amount

Time Specific                                           Untimed/Variable

Based on specific items                           Anything could be given

Has a threshold/baseline amount            No threshold/baseline/minimum amount


Q.   What is similar?


A.   Both are charitable acts


Q.   How is zakat calculated?


A.   Zakat is calculated on 2.5% of the value above the threshold value.


Q.  Is zakat compulsory?


A.   It is compulsory for anyone who has wealth or property above the Nisab (threshold).


Q.   What if I don't pay zakat?


A.   Zakat is the third pillar of Islam, according to the hadith of the Prophet (SAW) as related by Umar (RA) who was one of the closest companions of the Prophet (SAW). Allah (SWT) joined Zakah with Salah (prayer) in eighty-two (82) places in the Qur’an to signify its status. Therefore, not paying Zakat for those on whom zakat is due is a sin and abdication of one of the pillars of Islam. Thus, whoever denies zakah is considered an unbeliever.


Q.   Who should pay zakat?


A.   Zakat is paid by anyone who meets five conditions

      •     Being a Muslim

      •     Being a free person

      •     Having the nisab (threshold)

      •     Being an established owner of the property

      •     Being in possession of the property for a full lunar year (which has elapsed).


Q.   What is the threshold to pay zakat?


A.   Current Value of Nisab is: £2601.92 for Gold and £232.18 for Silver


Q.  If I have loans, am I eligible to pay zakat?


A.   Zakat becomes due if the net wealth meets the nisab after deducting the value of the debt


Q.  If my business has outstanding loans, can I pay zakat?


A.  Yes, if the net asset exceeds the nisab (threshold). See:


Q.  Is zakat payable monthly or yearly?


A.  Zakah become due after a lunar year has elapsed


Q.  Is zakat the same as zakat-ul-fitr?


A.  No.


Q.  What's the difference?


A.   Zakat-ul-fitri is done only at the time of eid-ul fitri and its measurement is four (4) Mudd or handful grains or staple foods in the community. This can be converted to monetary value for easy administration.


Q.  Is zakat payable on property?


A.  Yes, if the property is part of a business and yields rental income.


Q.  Is zakat payable on jewelries?


A.  Yes. Zakah is payable on Gold and Silver if their values exceed the nisab (threshold)


Q.  Is zakat payable on cars?


A.   Yes, if the car is classified as trade item and used to earn rental income


Q.  What else constitutes zakat?


A .  Zakah is also payable on grazing animal and livestocks and harvest (farm produce)


Q.  Who can I pay my zakat to?


A.  There are 8 recipients of zakah mentioned in the Qur’an, Ch.9 v 60. Allah (SWT) says: Verily, the Zakah expenditures are for the poor and for the needy and for those employed to collect [zakah] and for bringing hearts together [for Islam] and for freeing captives [or slaves] and for those in debt and for the cause of Allah and for the [stranded] traveler - an obligation [imposed] by Allah. And Allah is Knowing and Wise.


Q.  When is the best/ suggested time to pay zakat?


A.  Zakah is payable whenever it falls due.


Q.  Is there an online zakat calculator?


A.   Yes. There are several online zakah calculators


Q.  If my monthly bank balance varies, how do I calculate my zakat?


A.  The bank balance varies, zakah become payable so far it remains above the nisab (threshold)


Q.  Is it true that the best zakat is to your family?


A.  The family members in question are not those upon whom one has financial responsibilities. Zakah can be given to member of the extended family who fall within the listed categories per Q.9 verse 60.


Q.  What are the benefits of giving zakat/ sadaqah?


A.  There are several benefits.

      •     It moves one closer to Allah as one fulfil one of the pillars of Islam

      •     It purifies one wealth

      •     It helps towards alleviating poverty

      •     It is used in propagating Islam

      •     It helps in taking people out of bondage, depth burden and ‘slavery’ etc.


Q.  Is zakat giving/ collection for individuals or institutions or both?


A.   As mentioned in Q9 v 60, zakah can be used for both individual and institutional benefits.


Q.  Is zakat only in monetary value?


A.  The value ‘zakatable’ property is converted to monetary value for easy implementation.


Q.  Is monthly contribution/ fisebililahi, zakat/ sadaqah?


A.  Monthly contribution to an Islamic organization can be regarded as sadaqah only and zakah as the requirements of zakah are not met by this type of expenditure.


Q.  Do I have to pay zakat?


A.   Anyone that meets the following five characteristics must pay zakah

      •     Being a Muslim

      •     Being a free person

      •     Having the nisab (threshold)

      •     Being an established owner of the property

      •     Being in possession of the property for a full lunar year (which has elapsed).


Q.  How do I calculate zakat?


A.   zakah calculation is based on 2.5% of the value of property or wealth above the nisab (threshold). See:


Q.  Is there any software to calculate zakat?


A.  Several websites offer this service. For example:


Q. When do I become eligible to pay zakat?


A.  One becomes eligible for paying zakah once s/he meets the following requirements.


      •     Being a Muslim

      •     Being a free person

      •     Having the nisab (threshold)

      •     Being an established owner of the property

      •     Being in possession of the property for a full lunar year (which has elapsed).


Q.  What are the consequences of not paying zakat?


A.  The consequences of not paying zakah for one who is eligible is grave. The major consequence is that s/he is regarded as an unbeliever because s/he is denouncing the Allah’s commandment in similar manner as not praying the five daily solat.


Moreover, the consequences in societal terms is that of oppression, lack of compassion, generosity for those in need. These goes to affecting societal fabrics negatively.



Compiled by Alfa AbdulHafeez Yusuf- Zakat Committee- Nasfat Millwall- March 2017


Asalat Venue: PENNACK HOUSE, Pennack Road Peckham SE15 6DD. Worship Time: 11am - 3:00pm

Postal address: NASFAT MILLWALL, 57 Medhurst Crescent Gravesend Kent DA12 4HU

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