For families with many accounts and pieces of jewellery. Pick a person to see their own items and their own nisab check; the household total is always in view. Everything stays in your browser.
Why a household needs more than one calculator
Most zakat calculators assume one person with one bank balance and one figure for gold. Real families keep several current and savings accounts, an investment portfolio or two, and a drawer of jewellery bought over many years, some of it the husband's, some the wife's, some given as mahr. Adding it all into one box gives the wrong answer, because zakat is worked out for each person on what that person owns. The National Zakat Foundation's Missed Zakat guide names couples calculating together as a common mistake: it should be done individually.
How the worksheet works
Add each person in the household, then add every item under the person who owns it: each account, portfolio and piece of jewellery as its own line. Each person's items are added up, their own deductible debts are taken off, and the result is compared with the nisab. A person whose net wealth equals or exceeds the nisab owes 2.5% of it; a person below the nisab owes nothing, even if the household together is above it. The total at the bottom is what the household pays in all.
Gold and silver by weight and purity
For each piece, enter the weight of the metal alone, without stones, and its karat (gold) or purity (silver, 92.5% for sterling). The worksheet counts the pure metal content at today's market price. Jewellery is valued at what it would fetch if sold, so you can take off the percentage a jeweller deducts when buying it back, or type the jeweller's buying price per gram instead. Whether worn jewellery counts at all depends on your school: the Hanafi school counts it; the other schools exempt gold and silver worn for personal use.
Shares and debts
Shares and funds are counted at full market value, or at 25% of it if you use the National Zakat Foundation's shortcut for long-term holdings. Only debts you are allowed to deduct come off, never interest, and each debt reduces only its owner's total.
Next year
"Start next year from this list" keeps every item and owner so you only update the values on your new zakat date. Items you have not updated yet are marked, and each person's figure from last year is shown beside the new one.