ZAKAT 101- THURROCKMUSLIMS.COM
Let’s fulfil the 3rd pillar of Islam: ZAKAT, obligatory charity tax.
Zakat or Zakaah/Zakah, means purification or growth.
In Islam, it is paying 2.5% of all your wealth (if it reaches the nisaab/threshold at which you become eligible to pay Zakat) to those who are entitled to receive Zakat, including the poor and needy, in obedience to Allah. Charity is an integral teaching in our faith.
DID YOU KNOW? Zakat is such an important pillar in our religion, Allah has mentioned it in the Qur’an multiple times, and the prophet Muhammad peace be upon him taught us about it.
There are multiple References in The Qur’an and in Sahih Hadith.
‘Zakah expenditures are only 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.‘
Narrated Ibn `Abbas:
The Prophet (ﷺ) sent Mu`adh to Yemen and said, “Invite the people to testify that none has the right to be worshipped but Allah and I am Allah’s Messenger (ﷺ), and if they obey you to do so, then teach them that Allah has enjoined on them five prayers in every day and night (in twenty-four hours), and if they obey you to do so, then teach them that Allah has made it obligatory for them to pay the Zakat from their property and it is to be taken from the wealthy among them and given to the poor.”
Sahih al Bukhari
How to tell if you owe Zakat? Keep a regular check of your assets, then the moment your wealth reaches the Nisab level (minimum threshold at which you have to start paying Zakat), then you calculate your Zakat each year accordingly.
Example: On 21st Ramadan 1440 (May 2019), you acquired £500 through the full lunar year (Islamic Hijir calendar). The nisab level was approximately worth £250 (based on silver weight prices). Therefore, you must pay 2.5% of £500 in charity as Zakat to fulfil your obligation to Allah. So £500×0.025= £12.50 as Zakat
So in 21st Ramadan 1445, (year 2024) 1 year on, and you have £700. The nisab value is around £350, you own that and more. So you will pay Zakat on this day at 2.5% of £700. so £700x 0.025= £17.50 as Zakat
And you note in your calendar next year on the 21st Ramadan 1446ah (in year 2025) you will schedule calculation and payment of Zakat again. In sha Allah
Therefore, your annual Zakat date, or Zakat anniversary is 21ST RAMADAN each year, and it’s your personal deadline by which you must calculate and pay Zakat.
If you need help calculating, lots of Muslim charity organisations can help you out, lots of charities have Zakat calculators, Islamic relief calculator, or you can try National Zakat Foundation’s (NZF) calculator, it’s UK-based and they’ve set up an organised step-by-step calculation system on their website, have a look here: NZF Zakat calculator
Assets are not limited to money, it includes gold, silver and more if you have businesses/shares, rental income/ property and what such. You also factor in your deductible assets, consider debts and bills (check the NZF calculator link above).
If you have gold or silver jewellery, you need to weigh it and calculate the price on the current market value of gold or silver on the day.
So if you have 50g of 24carat gold, the market value today right now is £45.61 per gram. Thats 45.61GBP x 50grams = £2280.50
You pay zakat on 2.5% of £2280.50, or simply 2280.50 x 0.025= £57.03 Zakat (rounded up).
Also, it doesn’t have to be Ramadan when you’re Zakat is due, you may be paying it in another month, depending on when your wealth reached the Nisab value. To read more about Zakat, check out the links at the end of this post. **
Keep it organised in sha Allah and you can fulfil your obligation to Allah, have blessings in your wealth, be stress free and aware of your assets. By the way, everything ultimately belongs to Allah, we are just being tested with what we’ve been entrusted with!
Purify what Allah gave us and spend in His path, in sha Allah , Allah will increase us in good.
Many times we may have been falling short, so be sure to do your best to make up for any short fall as soon as possible. And if you are tested with a shortage in wealth, you only have to pay less Zakat , and by trusting Allah, making tawbah, in sha Allah we will see better days again.
Never think zakat will decrease your wealth, believe Allah will purify it and increase it.
Of us are those with poor and needy relatives, let’s not forget them in sha Allah when paying Zakat and Sadaqah.
Give and Allah will increase you. Let’s take this opportunity to give Sadaqah too, we only have a few days left of this blessed month.
Dua- Remember to say Ameen to our supplication! Alhamdulillah for everything.
May Allah, The Ever-Living, The One True God, The Rich, The Merciful, The Most Powerful, forgive all our errors and guide us to the straight path. May Allah grant us the sincerity and ability to obey Him and fulfil His commands and may He enable us to follow the perfect example of His final Messenger and Prophet Muhammad sallallahu alayhi wasallam. Allah protect us from all evil and grant us all good and may Allah help us to remember Him always. May Allah not make Ramadan leave us, except that we are forgiven and guided and may Allah bless and increase us in good, Allah preserve our religion, our worldly life, our hereafter, our health, our family, our wealth, youth, ability, time, our safety, our ummah, our community, our neighbours our nation, our countries our world. Allah guide all of us to His love and mercy. May Allah unite us with the prophets peace be upon them, Allah make us pious and the inheritors of jannat al firdaus, paradise. Allah forgive us and our parents, our grandparents, our predecessors, our families , future generations our successors and all of us. Allah help us to worship Him alone, with perfect understanding of His Oneness, Tawhid, and Allah protect us from major and minor sins. Allah make us true followers of the sunnah of prophet Muhammad peace be upon him, like the companions of the prophet, may Allah be pleased with them. May Allah, The One without partners, forgive us and grant us cures and mercy and lift the calamities and bring peace to all of us. Wasallallahu alaa nabiyina Muhammad. Oh Allah accept, Amin.
Please keep us in your generous duas, today, tonight, during laylatul Qadr, on Friday, all the special times. wa jazakumullahu khairan
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Contributor: Thurrockmuslims.com editor
**Links
All about Zakat with NZF/National Zakat Foundation https://nzf.org.uk/about-zakat/knowledge-bank/
https://islamqa.info/en/answers/9449/the-difference-between-zakaah-and-sadaqah
https://islamqa.info/en/answers/93414/zakaah-on-wealth-earned-during-the-year
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