Zakat: the yearly due: the cards as text
Fiqh. Draft written with AI help: awaiting scholar review.
- Card 1
Once a year, 2.5% of savings: the right of the poor.
- Card 2
A right, not a favour
Zakat means purification. It is not voluntary charity: once your wealth passes a threshold, a share of it belongs to the poor, and paying it purifies the rest.
- Card 3
Qur'an 9:103
خُذۡ مِنۡ أَمۡوَٰلِهِمۡ صَدَقَةࣱ تُطَهِّرُهُمۡ وَتُزَكِّيهِم بِهَا وَصَلِّ عَلَيۡهِمۡۖ إِنَّ صَلَوٰتَكَ سَكَنࣰ لَّهُمۡۗ وَٱللَّهُ سَمِيعٌ عَلِيمٌ ١٠٣
103 Take charity from their wealth [O Prophet] to cleanse and purify them, and pray for them. Your prayer is a source of comfort for them. And Allah is All-Hearing, All-Knowing.
- Card 4
Lesson: Paying zakat purifies the wealth that is kept.
- Card 5
Who pays: the threshold
An adult Muslim whose zakatable wealth is at or above the nisab, a minimum threshold, at the start and end of a lunar year (Hanafi view). The nisab is about 85 to 87.5 g of gold or about 595 to 612 g of silver.
- Card 6
Lesson: Below the threshold, nothing is due.
- Card 7
How much, and on what
Above the threshold, the rate is 2.5% (one fortieth) of cash, savings, gold, silver, and goods held for trade. Your home, car, clothes and tools for daily use are exempt.
- Card 8
Lesson: One fortieth of what you hold, once a year.
- Card 9
Where it goes
The Qur'an names eight groups: the poor, the needy, those who collect it, those whose hearts are being won over, freeing slaves, people in debt, the cause of God, and stranded travellers.
- Card 10
Qur'an 9:60
۞ إِنَّمَا ٱلصَّدَقَٰتُ لِلۡفُقَرَآءِ وَٱلۡمَسَٰكِينِ وَٱلۡعَٰمِلِينَ عَلَيۡهَا وَٱلۡمُؤَلَّفَةِ قُلُوبُهُمۡ وَفِي ٱلرِّقَابِ وَٱلۡغَٰرِمِينَ وَفِي سَبِيلِ ٱللَّهِ وَٱبۡنِ ٱلسَّبِيلِۖ فَرِيضَةࣱ مِّنَ ٱللَّهِۗ وَٱللَّهُ عَلِيمٌ حَكِيمࣰ ٦٠
60 Alms [i.e., zakah] is only for the poor and the needy; those in charge of it; those whose hearts may be attracted [to Islam]; for freeing those in bondage; for those in debt; for the cause of Allah; and for [the stranded] traveler – as ordained by Allah, for Allah is All-Knowing, All-Wise.
- Card 11
Lesson: The Qur'an itself says where it goes.
- Card 12
Reflect: What is the rate of zakat on savings?
Answer: 2.5%. 2.5%, one fortieth, on wealth held above the nisab for a lunar year.
- Card 13
The end of Zakat: the yearly due.