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1. How can I fulfil my Zakat?

You can fulfil your Zakat through one of the following ways listed in here 

2. Which day of the month should I take to calculate my Zakat on Savings? Every end of the month? During payday? Every start of Islamic month?

Zakat on Savings is based on 2.5% of the lowest savings balance in a haul which is 355 Gregorian calendar days. This period of 355 days is different for each individual and does not have to be from pay day to pay day, Ramadan to Ramadan, or Jan to Dec. If for example your haul is from Feb to Jan the following year, the Zakat will be based on 2.5% of the lowest balance that you have from Feb to Jan. The haul is determined by the nisab value. If in one year, your savings balance does not fall below the nisab value, then you have the haul in existence. If at any point in time your savings balance drops below the nisab, there is no haul. So for some people, they do not have to pay Zakat as their haul is always broken and never completes a full Hijrah year. The nisab value, which is used to determine if there is a haul, is the nisab value at the end of the 355 days period

3. I would like to ask about Zakat on Savings. Currently I do not have an account book. As such, can I estimate on my lowest bank balance for Zakat?

Yes you may make a best estimate of your lowest balance in the year based on a figure you are most certain of since there is no document to help you in this. On another note, you may wish to call your bank and enquire if you can obtain your transactions for a specific period.

4. How do I calculate Zakat on Savings for my multiple accounts? Can I take the lowest amount from each of my account books and take 2.5% as my Zakat on Savings?

Calculation which takes the lowest amount in each account and then multiplying 2.5% of it is not accurate because there is a possibility that the lowest amount in each account would fall below the nisab value (and thus not liable for Zakat) but in actuality when summed up would exceed the nisab value (and thus liable for Zakat).

5. I have a combination of savings, shares and insurance. Do I sum them up all, check if it exceeds the nisab, and if yes, I take the net values then times 2.5%? Or do I do the calculation individually on each asset class?

The Zakat for your savings, shares and insurance is calculated separately and not summed up together before performing calculation. This is because the calculation method for each is different:

a) Zakat on Savings: Based on 2.5% of lowest balance in year if this balance does not fall below nisab value.

b) Zakat on Shares: Based on 2.5% of total market value of shares owned at the end of year if this value does not fall below nisab value.

c) Zakat on Insurance: Based on 2.5% of the surrender value when haul and nisab are due.

6. Almost every year my family pays Zakat Harta which includes my children’s’ savings. Now since I do not earn regular income and have used up my reserves, I would like to know if my children’s savings are still liable for Zakat payment.

Your children’s savings are still liable for Zakat once the haul and nisab are due. The Zakat, i.e. 2.5% from the wealth, should be deducted from your children's savings accounts respectively.

7. Please advise whether we should pay Zakat on our retirement account that is currently kept in CPF? When I receive it monthly after I turn 62, should I pay the Zakat based on the monthly amount that I receive as well?

Zakat on CPF is based on 2.5% of the monies you will receive from CPF when you turn age of 55 if this amount is at least the nisab value. At age of 62, the current religious guidance is that you may pay Zakat on CPF based on 2.5% of the monthly amount at each month, or by taking 2.5% of the total sum per year (monthly amount received x 12) and pay it once in the year, either beginning or end year. As CPF changes dynamically, Zakat on CPF is being reviewed by the Fatwa committee, and we will inform the Singapore Muslim community of any changes to Zakat on CPF calculation.

8. I will turn 55 yrs old in Jan 2013. I was notified by CPF office that I am eligible to withdraw my savings at the end of Jan 2013. Am I eligible to pay Zakat on CPF?

Yes you are obligated to fulfil your Zakat on CPF if the CPF money that you are able to receive has reached the minimum nisab value. Zakat on CPF is then based on 2.5% of the CPF monies that you will receive.

9. If I own another property from which I earn rental income from it, how do I calculate the amount of Zakat on this?

A Muslim does not have to pay Zakat for the house in which they are staying in. However for a house that is bought for business purposes, Zakat on Business may be due. With regards to the property, if rented out, Zakat must be paid on the total rent if it reaches the nisab (minimum threshold) for a full year. Zakat on Business is then based on 2.5% of this amount. The above is a general guideline. For a more comprehensive guide to Zakat on Business, please browse our website at 

10. May I know if a Muslim organization is required to pay Zakat Harta when its bank account balance has fulfilled the criteria for haul and nisab?

Organizations that are welfare-oriented, non-profit-oriented and focus on charity services for members and public at large are exempted from Zakat obligation.

11. The total weight of my jewellery is 450g. How much Zakat do I have to pay?

If the jewellery is intended for use, Zakat is not due on it as the weight is below the uruf of 860 grams. If the jewellery is not intended for use, it is obligatory to pay Zakat on it once it reaches the haul, as the weight has reached the nisab of 86 grams.

12. To my understanding, there is Zakat for gold but what about Zakat for silver?

Zakat on Silver is based on 2.5% of the value of the silver when the haul and nisab of 600 grams of silver are reached.

13. We are obligated to pay Zakat on Shares that we own. Do we have to sell part of the shares to pay the Zakat?

For Zakat on Shares, the shares need not be sold as the payment is done using money from your savings.

14. I have a life insurance, health insurance and home protection insurance. Do I have to pay Zakat for all these insurance or only on the life insurance?

Currently, Zakat on Insurance is only applicable for Insurance in the form of savings endowment - where the intention is to grow the wealth in savings. Hence for your situation, there is no Zakat for all 3 of your insurance plans.

15 .Is Zakat on Insurance payable every year after nisab is reached although insurance is still not surrendered?

Zakat on Insurance is payable once the surrender value reaches the nisab for the year in concern. This is because the surrender value is the amount that one is able to obtain and use in principle.

16. Since I got married 5 years ago, my husband has been paying Zakat for himself, myself, as well as for his parents, his younger brother and my parents. All our parents and his younger brother are working and our intention for paying is ikhlas as we felt that we have the means. Recently we were informed by someone that it is not 'good' to be paying Zakat for those who are still working for fear that they may neglect their responsibility of paying Zakat and take it for granted. Thus, is it ok for us to pay Zakat for our working parents when they are able to do so on their own?

It is ok for your husband to paying Zakat Fitrah for yourself as you are his dependant in nafkah. As for the Zakat Fitrah of his parents, they may pay on their own. However your husband may wish to pay for them as they are his dependants in nafkah and should they be unable to pay on their own. Similarly, the Zakat Fitrah for your parents may be paid by themselves or their dependants. This is more favourable than your husband paying it for them. The Zakat Fitrah of his younger brother would have been initially paid by his parents when he was young, but upon reaching maturity and himself now working, his younger brother now needs to pay Zakat Fitrah on his own. In all cases where an individual should not be making payment for another, he may however make payment on their behalf with their permission. This means that he carries out the payment process, but the amount is deducted from those he is making the payment process for respectively. In other words, he is a wakil and is facilitating payment in this case.

17. An Indonesian maid has been working for me for 4 months. Am I responsible to pay Zakat Fitrah on her or is she responsible to pay Zakat Fitrah on herself as an individual?

Zakat Fitrah is obligatory for all Muslims. Your maid is obligated to pay Zakat on herself using her savings. In the case that she cannot afford or is not able to do so, her employer may pay Zakat for her on the condition that the maid is informed of it.

18. 3 years ago I did not pay Zakat Fitrah because I had thought my father had paid it for me like he had been doing in the past years. However, in the last moments of Ramadhan, he informed me that I should pay it on my own. I tried to pay my Zakat Fitrah but was not able to at the last minute. What do I have to do to pay back the past Zakat Fitrah?

For your information, Zakat Fitrah may be paid in Ramadan up to the start of Eid prayers. Payment after the abovesaid prayers is only considered as sadaqah. Considering you have missed the payment and it is not done on purpose, seek forgiveness from Allah SWT for the mistake and and take measures to rectify the situation so that it may not happen again for coming Ramadan. May your mistakes be forgiven by Allah SWT.

19. I am enquiring on Zakat on Income. Do we have to pay Zakat on our monthly salary?

In Singapore, Zakat on Salary or Income is not obligatory as currently, there is not a fatwa on such an obligation.

20. I have sold a house in Johor. The money received is in Malaysian Ringgit. Do I have to pay Zakat on it?

Zakat is due on income/proceeds from the sale of the house if the sale is done on the basis of profit /business. Having mentioned that, if the sale is done after a year passed ever since the intention to sell the house on the basis of profit/business is made, Zakat on Business is based on 2.5% of the income from sale if it reaches the nisab. If the house is for normal residence and not business, income/proceeds from the sale is not due for Zakat. Nevertheless, if the income/proceeds is kept for a year (haul) and reaches nisab together with other savings, Zakat is due i.e. Zakat on Savings.

21. Is Zakat due on money that has been loaned out for which it is not known when or whether it will be returned by the borrower?

As a general guideline, if you are certain that the loan will be repaid by your friend, the sum is considered as part of your savings when you calculate your Zakat. Nevertheless, if you are not certain if the money which you loaned out will be returned, you are not obligated to add the amount in the calculation of your Zakat.

22. I am a Singaporean, living and working in UK. I am supposed be paying Zakat this month but I am not sure whether to pay it in Singapore or UK. Can I get an advice whether I should pay in Singapore or UK? Should I pay in my own country or the place I am currently living in?

There are two types of Zakat: Zakat Fitrah and Zakat Harta. In terms of the place where you should fulfil your Zakat obligation, the condition differs for both.

For Zakat Fitrah, you should fulfil your Zakat at the location where you think you would meet the last night of Ramadan and the first night of Syawal (the last maghrib period of Ramadan). For Zakat Harta, you should fulfil your Zakat at the location where the source of the wealth is generated from. In this case, this may be in UK.

However do note that the above are general recommended guidelines. Hence if you face difficulty in these, you may fulfil your Zakat at a location that is easy for you.

23. Can I use Zakat on my children’s savings for our family living expenses?

In terms of the usage of Zakat, you cannot use the Zakat for your family's livings expenses, as Zakat must be given through the amil and disbursed to the 8 asnaf.