Zakat calculator for Malaysia and Indonesia
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Malaysia and Indonesia both set nisab against gold rather than silver, at 85 grams, and both are predominantly Shafi’i. The institutional landscape is unusually developed here — Malaysia collects through state-level bodies, Indonesia through BAZNAS — and their published figures are the ones to reconcile against.
| Weight convention | AAOIFI / majority convention — 85 g gold, 595 g silver |
|---|---|
| Operative threshold | Gold |
| Follows the positions of | PPZ-MAIWP · Lembaga Zakat Selangor · BAZNAS Indonesia |
| Currencies | Malaysian ringgit (MYR); Indonesian rupiah (IDR) |
The state zakat institutions across Malaysia and Indonesia set nisab against 85 grams of gold, matching the AAOIFI weight conversion. Note that they apply it to gold specifically rather than taking the lower of gold and silver as AAOIFI itself does — the weight is shared, the metal choice is not.
The threshold, in MYR
Nisab is a weight of metal, so its value in your currency moves with the market. The figures below are refreshed from live international spot prices when the page loads.
Gram weights are fixed and are stated above. The currency values are indicative: they are rendered into the page as static figures and upgraded to live spot prices when the price feed responds.
Gold at 85 grams, and one thing to watch
Both countries use the 85 gram gold weight, which is the AAOIFI conversion. But there is a distinction worth understanding: AAOIFI itself takes the lower of the gold and silver thresholds, which in current prices means silver. The Malaysian and Indonesian bodies apply the gold figure directly.
So selecting "AAOIFI" and selecting "Malaysia" will give you the same weight but potentially a different threshold. BarakahFlow’s regional preset for Malaysia and Indonesia follows local practice and uses gold.
Some Malaysian states also publish a nisab based on local uruf — prevailing local custom on the gold price — rather than the international spot rate. Where that applies, your state body’s published figure takes precedence over anything a calculator derives from a global feed.
The Shafi’i rules underneath
Both countries are overwhelmingly Shafi’i. That means worn jewellery is exempt, and in the strict Shafi’i position debts are not deducted at all.
In practice the state bodies often apply a more accommodating treatment on debt than the classical Shafi’i position, closer to the AAOIFI approach of deducting near-term liabilities. BarakahFlow lets you pick either and tells you which you have chosen.
Zakat pendapatan, and why it is not in this calculator
Malaysia has an unusually well-established practice of zakat pendapatan — Zakat on income, assessed and often paid monthly through salary deduction. Indonesia has an analogous zakat penghasilan.
This is a contemporary ijtihad rather than a classical category, and it interacts with Zakat al-Mal rather than replacing it. What this calculator produces is Zakat al-Mal on accumulated wealth. If you already pay zakat pendapatan by monthly deduction, treat those payments as a credit and speak to your state body about how the two fit together, rather than paying twice on the same money.
A worked example in Malaysian ringgit
- Cash, savings and ASB holdings
- MYR 80,000
- Gold bullion, 100g, held as investment
- MYR 64,200
- Less: bills and instalments due within the year
- − MYR 14,000
- Zakatable base
- MYR 130,200
- Zakat due at 2.5%
- MYR 3,255
The gold threshold of 85 grams is roughly MYR 54,575 at the time of writing. Bullion held as an investment is zakatable under every school; had this been jewellery in regular use it would have been exempt on the Shafi’i position that predominates locally, dropping the base to MYR 66,000 and the bill to MYR 1,650.
Malaysia & Indonesia Zakat, commonly asked
What is the nisab in Malaysia?
The state zakat bodies set nisab against 85 grams of gold, which at the gold price current at the time of writing is roughly MYR 54,575.
Your own state institution — Lembaga Zakat Selangor, PPZ-MAIWP or your state equivalent — publishes the official figure, and some use a local uruf gold price rather than the international spot rate. Where the two differ, follow your state body.
What is the nisab in Indonesian rupiah?
BAZNAS sets nisab at the equivalent of 85 grams of gold, which at the time of writing is in the region of IDR 211.8 million. BAZNAS publishes an updated figure periodically and that is the one to reconcile against.
BarakahFlow supports the rupiah and prices the threshold from live international gold spot rates.
Does zakat pendapatan replace Zakat on my savings?
No. Zakat pendapatan is assessed on income as it is earned; Zakat al-Mal is assessed on wealth held for a full lunar year. They address different things and both can apply.
What they should not do is charge you twice on the same money — income already zakated on receipt, then zakated again a year later as savings. How your state body reconciles this varies, so ask them. This calculator produces Zakat al-Mal only.
Is ASB or ASNB zakatable?
Unit holdings of this kind are generally treated as zakatable wealth at their redeemable value, in the same way as other investment funds.
The finer questions — how to treat undistributed income, and the underlying screening of the fund itself — are matters your state body has published positions on. BarakahFlow counts shares and funds at market value and leaves the fund-level rulings to the scholars who issue them.
Compare with another method
The same holdings produce different figures under different schools and conventions. Seeing the comparison is the point.
Get the number that actually applies to you.
BarakahFlow applies your school, your region, your currency and your Hawl, values gold at each karat separately, handles debt properly, and keeps a record you can defend three years from now.
BarakahFlow states scholarly positions and attributes them. It does not issue fatwa. For a binding ruling on your own circumstances, speak to a qualified scholar.
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