How to Calculate Zakat Mal You Must Take Out

Until now you are still confused about how to calculate Zakat Maal? Don't be ashamed, you are not alone. Calculating zakat mall is indeed not as easy as zakat fitrah. Moreover, if detailed in more detail, the type of assets that must be issued for charity is not only assets in the form of money, you know. Come on, study together.

Types & Conditions of Zakat Mal

Apart from assets or income, a house, a car, livestock, agricultural products, money, gold, and silver that you have, it must also be mandatory, as long as the conditions are met.

Property requirements that must be zakati are:

1. Perfect ownership

This means that the owner of the property makes it possible to use and take full advantage of it. Thus, the property is under his control and power.

2. Developing (productive or potentially productive)

Easily, developing means that if the nature of the property can provide benefits or other income.

3. Reach Nisab

Nisab means the minimum amount of possession. If the amount of your wealth is still below the Nisab, it means that the wealth is not compulsory

4. Exceeding basic needs

You are obliged to pay alms if your wealth exceeds the needs that make you able to live properly, such as daily shopping, clothing, home, household furniture, health, education, and transportation.

5. Free from debt

People who have debts, the amount of debt can be used to reduce the amount of property obligatory zakat that has reached Nisab. If after deducting the debt from compulsory zakat, the asset becomes not until Nisab, the asset is free from the obligation of zakat

6. Reach the haul

The point is that the period of ownership of the property has passed for 1 year in a matter of years Hijri. This one-year requirement only applies to livestock, gold, money and traded property. While agricultural property or professional zakat is not required to reach one year.

How to calculate Zakat Mal

Among the types of zakat mal, this time we will focus on discussing the calculation of professional zakat or alms income. The basis is from QS. Al Baqarah: 267, the chunks of the verse read: "O ye who believe! Spend (in the way of Allah) part of the results of your good efforts and part of what we spend from the earth for you" So God asks us to expel some of the results of our efforts. As a professional worker or employee, our forms of work make money.

Nisab zakat profession is equivalent to 653 kg of grain or 524 kg of rice (staple food). The amount of zakat maal that must be issued is 2.5%. Example of how to calculate zakat maal (source: zakat.or.id)

Arief is a private employee based in Bogor. He has a wife and two young children. The monthly income is IDR 5,000,000. Then the calculation is:

Monthly salary income of IDR 5,000,000

Nisab = 522 kg of rice @ Rp. 7,000 (relative) Rp. 3,654,000 (meaning Arief is required to issue zakat because his income has exceeded the Nisab)

Zakat formula = (2.5% x salary per month)

The zakat that must be paid per month is IDR 125,000

Professional alms can also be accumulated in one year. The trick, the amount of salary income along with bonuses and others is multiplied one year later if the results reach Nisab, then multiplied by the 2.5% zakat level.

So, IDR 5,000,000 x 13 (12 months salary + 1 time bonus) = IDR 65,000,000

The amount of zakat is IDR 65,000,000 x 2.5% = IDR 1,625,000

Hopefully the way to calculate the zakat maal above can help you get rid of the confusion so far. Want to spend per month, or per year? Whatever. The important thing is not to forget to fulfill it, yes.

Share this post