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Personal Zakat Calculator V1.

03
Endorsed by Islamic Truth Group (ITG 2003)

Rules:
Please read carefully before using this spreadsheet.
It is very important that you fully complete the speadsheet with all relevant
information. Whatever the amount, this will be your calculated zakat, you must
not disclose its value to anyone including members of close family. This is simply
for two reasons, firstly your finances are private and secondly you are not
permitted to advertise your zakat. If you were to make the amount public then
your zakat will be nulled and automatically become Sadaqa instead.

1 It is an obligation for Muslims adults, male or female to pay Zakat individually at


2.5% of earnings after deductions have been made, and that the remaining
amount exceeds the Nisab amount..The Nisab is equal to twenty gold miskals,
which translates to eighty-five grams of gold. At the time of writing 13 October
2003 the approximate price of gold is £7.96 per gram. This would mean that the
nisab value at this point in time for gold would be £676.77 (85 x £7.96). If an
individual possesses more than the nisab value then the zakah is payable on the
whole amount including the nisab amount. The total amount should be in excess
of any debts the individual has for duration of one Hijra year. So if an individual
has £10,000 and debts of £4,000, then the zakah is payable on £6,000. On the
other hand if the debts amount to £9,500 then no zakah is payable as the
remaining money of £500 is below the nisab value.

2 There is no zakat payable on personal jewllery, only on commercial jewllery part


of trade. The Prophet said, "There is no zakat on jewllery".

3 All declarations are based upon financial transactions during the past period of 1
calendar year. Previous years are not permitted to be included. However, giving
sadaqa is mandatory. Zakat must be calculated correctly otherwise it is incorrect
and is an indication of the muslim Ummah's decline of knowledge regarding such
matters.

4 Investments such as renting property or proceeds from such rent must be taken
into account, remembering to take away any overheads. Also, money received
from bonds, shares and other sources must be declared.

5 All declarations that include fines, overheads, running costs, mortgages and debt
repayments must be offsetted against income. This includes costs relating to paid
salaries for house servants and local taxations that may be imposed.

6 Muslims of low incomes pay zero zakat. It is advisable to complete the calculator
spreadsheet as this will be evidence that income falls below value of Nisab.

7 Items received in the form of gifts are not to be included as Income as gifts are
non commercial items that are personal, unless the item is to be sold on as
commercial. Also, if money is given as a gift it should then be included as income.
8 Pensioners of low incomes pay ZERO zakat. It is advisable to complete the
calculator spreadsheet as this will be evidence that income falls below value of
Nisab.

9 Zakat is payable by all Muslim adults, male or female who are working and/or
have incomes. It is advisable to complete the calculator spreadsheet as this will
be evidence that income falls below value of Nisab.

10 Zakat al-fitr is the name given to sadaqah which is distributed at the end of the
fast of Ramadan and given to the poor before the Eid salah. It is compulsory on
every slave, freeman, male, female, young and old among the Muslims. So, for it
to be any use to the recipient it should be sent well before the end of Ramadan
so it may be distributed accordingly. Since it is Sadaqah the lower amount is
£2.50 per head with no upper limited. We have included this in the calculation.

ZAKAH

uploaded 07 Nov 2003

‫بسم ال الرحمن الرحيم‬


ZAKAH

During this blessed month many Muslims will be taking the opportunity to gain the
extra reward of Ramadhan by paying their zakah in this month. But unfortunately
today we find that many of the Islamic rules have been discoloured by capitalist
thoughts, this influence has even tainted the very motivations for why Muslims
carry out their Islamic duties, such as the duty of paying zakah. Some may pay
and give zakah as a means to achieve certain tax breaks, others may give zakah
to be seen as generous amongst the people, or many may do it as a means to
satisfy their humanitarian urge of wanting to support other people in need. In
essence it can become an individualistic thing, submitting to the personal desires
to dictate how, when and who to give zakah to. All of the above examples
illustrate the important need for us to understand the rules of zakah according to
how the shari'ah has set it, and to achieve the values that Islam has obliged.

Significance of zakah - Purifies the believer

The word zakah is derived from its Arabic verbal root, meaning to increase, to
purify, and to bless. The origin of the Islamic rule is in the Qur'an where Allah
(Subhanahu wa ta’aala) commands:

َ‫صهدقهةة تَتطهكهترتهمم هوتَتتهزككيبهم بهها‬ ‫ب‬ ‫ب‬


‫تخمذ ممن أهممهوالبهمم ه‬
"Take sadaqah (sadaqah) from their property in order to purify and sanctify
(zakihim) them" [TMQ At-Taubah: 103]
That is why this kind of sadaqah is called zakah, for by paying it one is aspiring to
attain blessing, purification and the cultivation of good deeds. Also giving zakah is
a cause of blessing for wealth and not a loss of wealth as some may imagine,
and the Prophet (salAllahu alaihi wasallam) has explained this.

Zakah is defined in the Shariah as a determined right due from certain types of
wealth. It is one of the worships ('Ibadat) and a basic element (Rukn) of Islam,
like prayer, fasting and Hajj. It is only obliged upon Muslims, and is not taken from
the non-Muslims.

An obligation set by Allah (Subhanahu wa ta’aala).

As mentioned, Allah (Subhanahu wa ta’aala) has made giving zakah one of the
pillars of Islam, placing it next to Salah. The obligation of zakah is established
from many evidences in the Quran and the Sunnah.

Allah (Subhanahu wa ta’aala) says:

‫هوأهبقيتموام ال ز‬
‫صلههة هوآَتتَوام ال زهكاَهة‬
"Observe the Prayer and Give zakah" [TMQ Al-Baqarah: 43].

This type of command, linking both together, has been mentioned at least twenty-
two times in the Quran.

Allah (Subhanahu wa ta’aala) also mentions that those who give the zakah, will
be greatly rewarded by Him (Subhanahu wa ta’aala).

‫صاَلبحاَ ب‬ ‫ب‬ ‫ب‬


ِ‫صلههة هوآَتَهتتوام ال زهكاَهة لهتهمم أهمجترتهممب‬
‫ت هوأههقاَتموام ال ز‬ ‫زن الزذيهن آَهمتنوام هوهعمتلوام ال ز ه‬
‫بعنهد هربكبهمم‬
"Truly, those who believe, and do deeds of righteousness, and perform As-Salat,
and give zakah, they will have their reward with their Lord" [TMQ Al-Baqarah:
277].

Also it is mentioned in many hadith the obligation of paying the zakah, that it was
one of the basic things which was instructed to the new Muslims as Ibn Abbas
narrated that Mu'adh said "The Messenger of Allah (salAllahu alaihi wasallam)
sent me (as a governor of Yemen) and instructed me:

‫إنك تَقدم على قوم أهل كتاَب فليكن أول ماَ تَدعوهم‬
‫إليه عباَدة ال عز وجل فإذا عرفوا ال فأخبرهم أن ال‬
‫فرض عليهم خمس صلوات في يومهم وليلتهم فإذا فعلوا‬
‫فأخبرهم أن ال قد فرض عليهم زكاَة تَؤخذ من أغنياَئهم‬
‫فترد على فقرائهم‬
'You will be going to Christian and Jewish communities (Ahlul Kitab). Invite
them first to testify that there is no true God but Allah, and that I am the
Messenger of Allah. … tell them that Allah has made zakah obligatory for
them to be collected from their rich and distributed among their poor'."

However the neglect of giving the zakah, and hoarding the wealth from the
people, has been condemned in many hadith. For example Al-Ahnaf bin Qais
narrated that Abu Dhar (ra) reported that RasoolAllah (salAllahu alaihi wasallam)
said,

‫فقاَل بشر الكاَنزين برضف يحمى عليه في ناَر‬


‫جهنم فيوضع على حلمة ثدي أحدهم حتى يخرج‬
‫من نغض كتفيه ويوضع على نغض كتفيه حتى‬
‫يخرج من حلمة ثدييه يتزلزل‬
"Inform those who hoard wealth, that a stone will be heated in the hell-fire and will
be put on the nipples of their breasts till it comes out from the bones of their
shoulders and then put on the bones of their shoulders till it comes through the
nipples of their breasts the stone will be moving and hitting." [Sahih Bukhari
Volume 2, Book 24, Number 489]

These ayah and honourable hadith indicate the importance of paying zakah, it is
something which must not be taken lightly is but something which we must be
aware of and give great importance to. This is especially important as we live in a
capitalist society where making money, hoarding it and spending it on oneself is
encouraged. The duty of paying zakah reminds us that the wealth we have is a
trust, and a responsibility for which we will all be accounted and tested.

The intention (An-Niyah)

Intention is a condition for zakah, this means that the person must propose in his
heart the intention to pay zakah. This is what differentiates this spiritual action
from any material action. Without the intention for paying zakah as a duty to Allah
(Subhanahu wa ta’aala) the action will have no value in Islam. Without the niyah
payment of zakah has no reward. This is because the Prophet (salAllahu alaihi
wasallam) said,

‫إنماَ العماَل باَلنية‬


"Indeed, the a'maal are by the niyah (intention)..." (Agreed)

If the believer has this in his mind while paying the zakah he would distance
himself from the arrogance and pride that may come when giving it.
As with all Ibadaat actions zakah needs to be done with pure devotion, not
affected with any personal considerations or desires. This is, for example, like the
throwing of the pebbles at the three Jamrahs during Hajj. No benefit is derived
from the Jamrah or from the throwing of pebbles. In this case the main purpose of
the Hukm is the trial of man through the action. This is in order that he may show
his servitude and bondage to Allah (Subhanahu wa ta’aala) by doing these
actions which have no rational meanings or benefits. Therefore real servitude to
Allah (Subhanahu wa ta’aala) is revealed through the complete obedience to His
(Subhanahu wa ta’aala) commandments and not through obedience for some
other reason.

Thus, when one is giving the zakah he should be doing it for no other reason than
this. He should not be seeking worldly benefit for paying the zakah. He should not
have the mentality that he expects something in return from the zakah he has
paid.

The Prophet (salAllahu alaihi wasallam) ordered that man proves his bondage to
Allah (Subhanahu wa ta’aala) through blind obedience to His (Subhanahu wa
ta’aala) commandments regardless of whether or not they are agreeable to him
and irrespective of his desire and inclination to obey them.

An Obligation upon whom?

Zakah is obliged upon the Muslim man, woman, child and insane person due to
the general form of the hadith that oblige zakah without restriction. It is paid
whether the Khilafah State exists or not. Amru bin Shu'aib narrated "The Prophet
(salAllahu alaihi wasallam) preached to the people and said:

‫ ل تَأكلهاَ الزكاَة‬،‫اتَجروا في أموال اليتاَمى‬


'Verily, whoever has charge over an orphan with wealth then let him invest
it. He should not leave it to be eaten by sadaqah'."

This proves that zakah is due on the orphan's money and hence should be
invested so that paying zakah on it does not erode the original amount.

This shows clearly that unlike the capitalist viewpoint, which has so many legal
loop-holes where the rich and wealthy become exempt from giving money away,
the shari'ah has obliged the payment of zakah for the sake of Allah (Subhanahu
wa ta’aala) on those who have wealth for a whole hijri year, and have maintained
the minimum nisab level for that time.

The Nisab is equal to twenty gold miskals, which translates to eighty-five grams of
gold. At the time of writing 13 October 2003 the approximate price of gold is £7.96
per gram. This would mean that the nisab value at this point in time for gold
would be £676.77 (85 x £7.96)

If an individual possesses more than the nisab value then the zakah is payable
on the whole amount including the nisab amount. The total amount should be in
excess of any debts the individual has for duration of one Hijra year. So if an
individual has £10,000 and debts of £4,000, then the zakah is payable on £6,000.
On the other hand if the debts amount to £9,500 then no zakah is payable as the
remaining money of £500 is below the nisab value.
The amount of zakah payable is a quarter tithe 2.5 per cent. Ali bin Abi Talib (ra)
was reported to have said: "One-half dinar in every twenty dinars, and one dinar
(is due) in every forty dinars."

Therefore if someone had £10,000 after debts the zakah would amount to £250
(10000 x 0.025).

Zakah is not payable on gold, silver or perls. However, it is payable if the jewrlley
was bought as an investiment or when it has been sold. Zakah is payable on
currency and also on:

·         Livestock such as camels, cows and sheep,

·         Crops and fruits

·         Trading goods and merchandise - For example, fast food restaurants,


clothes shops, car dealerships, grocery stores, which many from our community
own.

·         Also revenue earned from property which is owned, like the rent from second
homes or any land they may own.

Who receives the zakah?

Allah (Subhanahu wa ta’aala) has restricted the recipients of zakah to eight


categories. This is something which the mind cannot rationalise, and we cannot
use our desires to determine who gets the zakah we pay. As our intention is to
worship Allah (Subhanahu wa ta’aala), we do so as He (Subhanahu wa ta’aala)
has ordered us to. Zakah therefore cannot be paid to any other group other than
the eight mentioned in the Quran.

‫ساَبكيبن هوالمهعاَبمبليهن‬ ‫صهدهقاَ ت ب‬


‫ت لملتفهقهراء هوالمهم ه‬ ‫إبنزهماَ ال ز‬
‫ب هوالمهغاَبربميهن‬‫هع همليتههاَ هوالمتمهؤلزهفبة قتتتلوبتتتهمم هوبفي الكرهقاَ ب‬
‫سببيبل‬‫هوبفي هسببيبل ال لبه هوابمبن ال ز‬
"Verily the Sadaqat are (only) for the poor, needy, those employed on it, those
whose hearts are to be reconciled, slaves, debtors, those in the way of Allah and
the wayfarers" [TMQ At-Taubah: 60].

1) The Poor (Al-Fuqaraa): These are those who don't receive enough money to
suffice them to fulfil their basic needs, which are food, clothing and shelter.
Whoever receives less than what he needs to fulfil his basic needs is considered
poor, so sadaqah is halal for him. He may take from it and he can be given
enough sadaqah to the amount that removes his need and poverty.

2) The Paupers (Al-Masakeen): A person who does not own any thing or whose
hands are tied down and can not provide for himself or his family. They are those
who are lesser than the poor. The Messenger of Allah (salAllahu alaihi wasallam)
said
‫ليس المسكين بهذا الطواف الذي يطوف على‬
‫الناَس فترده اللقمة واللقمتاَن والتمرة والتمرتَاَن‬
‫قاَلوا فماَ المسكين ياَ رسول ال قاَل الذي ل يجد‬
‫غنى يغنيه ول يفطن له فيتصدق عليه ول يسأل‬
َ‫الناَس شيئا‬
"The pauper is not the one who goes about the people, content with a
morsel or two or a date or two. The pauper is not the one who doesn't find
any wealth to suffice him nor do people notice him so that they give him
sadaqah. Nor does he stand to beg people."

In the UK, these two categories would include those Muslims who come to the
UK, seeking asylum and they have no means whatsoever. 3) Those employed
over collecting it (Al-Amileen 'alayha): Those people that are the sadaqah
collectors or distributors. The Khaleefah alone appoints them. Ata'a b. Yassar said
the Messenger of Allah (salAllahu alaihi wasallam) said:

‫ل تَحل الصدقة لغني إل لخمسة لعاَمل عليهاَ ولرجل‬


‫اشتراهاَ بماَله أو غاَرم أو غاَز في سبيل ال أو مسكين‬
‫تَصدق عليه منهاَ فأهدى منهاَ لغني‬
"Sadaqah is not allowed for the rich except for five: The one employed to
collect it, a man who buys it with his wealth, a man who was given a
sadaqah and he donated it to his neighbour, the fighter or the debtor."

4) Those whose hearts are to be reconciled (Al-muallafatu qulubuhum):


These are types of leaders, chiefs, influential people or heroes whose beliefs are
not yet settled, where the Khilafah or his governors see it fit to give them from the
zakah as reconciliation for their hearts, settling their beliefs, utilising them for the
benefit of Islam and Muslims or to influence their communities.

5) Slaves (Ar-riqah): There are no slaves today.

6) Debtors (Al-Gharimeen): Payments of these debts may include money paid


to resolve disputes between people or blood monies. The debt should however
be of halal nature. This precludes debts such as mortgages or anything which is
linked to interest.

However those people who are owed the debt, they will need to pay the zakah on
the wealth, when it is returned to them, including the years they missed paying
zakah on it. So for example if they were owed £10,000 and they received it after
five Hijri years, they would owe zakah on the amount for the five years they did
not have it.

7) In the way of Allah (Fi Sabeelillah): This means spending to facilitate and
enhance jihad. Whenever 'Fi Sabeelillah' is mentioned in the Quran, it means
nothing other than jihad.
8) The Wayfarer (Ibn us-Sabeel): The traveller whose journey has been
disrupted by the lack of money, which does not enable him to reach his
destination.

It is important to note, that the schools of thought have said it is recommended to


pay the zakah locally, before giving it further away. It has become a custom for
zakah money to be paid abroad to countries like Pakistan and Bangladesh but we
must remember that within the Muslim community in the UK there are people who
are poor. There are many Muslims who are eligible to receive zakah and it is an
obligation upon the Muslim community to fulfil the needs of those already
amongst us.

The Khaleefah is the one who is responsible for the distribution and collection of
zakah. Without the Khilafah state, the rules of zakah cannot be implemented
completely. The Khilafah State is a cornerstone to the rules of zakah as it is the
way which will guarantee that zakah reaches those who are eligible, and that the
correct amount is collected. Also it will guarantee that the correct produce, such
as sheep, are collected and distributed. Also the spending of zakah is done in the
interests of the Muslims as a whole. By contrast, within capitalism the government
avoids this responsibility and leaves the giving of charity to the individual's choice.

Islam has made the State the centre piece in the collection, distribution, and
enforcement of zakah. It will punish those who refuse to pay, and will forcibly
collect it from them. It recognises that the individual can only do so much. Who
for example will make sure that the poor, and paupers are housed, fed, and
clothed, who can ensure, that the debts are paid off, or that service stations are
built for the travellers, etc. Only a state, led by the Khaleefah can ensure this.

Zakah al Fitr

This should not be confused with zakah. Zakah al-fitr is often referred to as
sadaqah al-fitr. The word fitr means the same as iftaar, breaking a fast and it
comes from the same root word as Futoor which means breakfast. Thus zakah al-
fitr is the name given to sadaqah which is distributed at the end of the fast of
Ramadan and given to the poor before the Eid salah. This is based on the hadith

‫" أغنوهم عن المسأله في هذا اليوم‬


"Don't allow them to ask for anything on this day"

The following can be found from this hadith,


1. Anything can be given, including money, food stuff, as it is Mutluq al amm
2. It is given to the Muslims only; this is from the ‫" هذا ات ت تليوم‬this day" which only has
significance for Muslims
3. It is before salah al Eid as they should not ask for anything on this day.
4 It is given to the poor only.

Sadaqah al-fitr is a duty which is wajib on every Muslim, whether male or female,
minor or adult as long as he/she has the means to do so.
The proof that this form of sadaqah is compulsory can be found in the Sunnah
whereby Ibn Umar (ra) reported that the Prophet (salAllahu alaihi wasallam)
made zakah al-fitr compulsory on every slave, freeman, male, female, young and
old among the Muslims; one Saa` of dried dates or one Saa` of barely. [Collected
by Bukhari - Arabic/English, vol. 2, p. 339, no. 579]

The head of the household may pay the required amount for the other members.
Abu Sa'eed al-Khudree said, "On behalf of our young and old, free men and
slaves; we used to take out during Allah's Messenger’s (salAllahu alaihi
wasallam) lifetime one Saa` of grain, cheese or raisins". [Collected by Muslim -
English transl. vol. 2, p. 469, no. 2155]

The significant role played by zakah in the circulation of wealth within the Islamic
society is also performed by the sadaqah al-fitr. However, in the case of sadaqah
al-fitr, each individual is required to calculate how much sadaqah is due from
himself and his dependents and go into the community in order to find those who
deserve such sadaqah. Thus, sadaqah al-fitr plays a very important role in the
development of the bonds in our community in the UK. The rich are obliged to
come in direct contact with the poor, and the poor are put in contact with the
extremely poor. This contact between the various levels of society helps to build
real bonds of brotherhood and love within the Islamic community and trains those
who have to be generous to those who do not have.

Zakah al-fitr is only wajib for a particular period of time. If one misses the time
period without a good reason, he has sinned and can not make it up. This form of
sadaqah becomes obligatory from sunset on the last day of fasting and remains
obligatory until the beginning of Salah al-'Eid' (i.e. shortly after sunrise on the
following day). However, it can be paid prior to the above mentioned period, as
many of the Sahabah (companions of the Prophet (salAllahu alaihi wasallam))
used to pay sadaqah al-fitr a couple days before the `Eid.

And Ibn `Abbaas reported that the Prophet (salAllahu alaihi wasallam) said,

‫أمر بزكاَة الفطر قبل خروج الناَس إلى الصلة‬


"Whoever gives it before the Salah will have it accepted as zakah, while he
who gives it after the Salah (will not, for it will only be considered as)
ordinary sadaqah"

Therefore, one who forgets to pay this zakah al-fitr on time should do so as soon
as possible even though it will not be counted as zakah al-fitr.

The amount of zakah is the same for everyone regardless of their different
income brackets. The minimum amount is one Saa` (2.176 kg) of food, grain or
dried fruit for each member of the family. So the price for 2.176 kg of barley from
the local market at current prices is £1.85. Of course, this is the bare minimum
and it is better to give more than this price.

Abu Sa`eed al-Khudree said,

‫كناَ نخرج زكاَة لفطر صاَعاَ من طعاَم أو صاَعاَ من‬


‫شعير أو صاَعاَ من تَمر أو صاَعاَ من أقط أو صاَعاَ من‬
‫زبيب‬
"In the Prophet's time, we used to give it (zakah al-fitr) as a Saa` of food,
dried dates, barley, raisins or dried cheese". [Collected by al-Bukhari -
Arabic/English vol. 2, p. 340, no. 582]

Zakah has come to eliminate greed and miserly behaviour

Allah (Subhanahu wa ta’aala) orders that the believers lose the characteristic of
greed, which is so frequently pursued in the west.

In one hadith the Prophet (salAllahu alaihi wasallam) described those who hoard
up wealth and not pay the zakah,

‫ول يحسبن الذين يبخلون بماَ آَتَاَهم ال من فضله تههو‬


‫خيتةرا لزتهمم بهمل تههو هشر لزتهمم هسيتطهزوتقوهن هماَ بهبختلوام ببه يهتموهم‬
‫هم‬
‫ض هوال لهت بهماَ تَهتمعهمتلوهن‬
‫ت هوالهمر ب‬ ‫سماَوا ب‬ ‫ب‬ ‫ب‬
‫المبقهياَهمبة هول لبه ميهرا ت‬
‫ث ال ز ه ه‬
‫هخببيرر‬

"Whoever is made wealthy by Allah and does not pay the zakah of his wealth,
then on the Day of Resurrection his wealth will be made like a bald-headed
poisonous male snake with two black spots over the eyes. The snake will encircle
his neck and bite his cheeks and say, 'I am your wealth, I am your treasure.' "
Then the Prophet (salAllahu alaihi wasallam) recited the ayat: "And let not those
who greedily withhold of that which Allah has bestowed on them of His Bounty
(Wealth) think that it is good for them (and so they do not pay the obligatory
zakah). Nay, it will be worse for them; the things which they covetously withheld
shall be tied to their necks like a collar on the Day of Resurrection. And to Allah
belongs the heritage of the heavens and the earth; and Allah (Subhanahu wa
ta’aala)s Well Acquainted with all that you do." [TMQ Ali-Imran:180) [Hadith Vol
2:#486]

He (Subhanahu wa ta’aala) says;

‫ك تهتم المتممفلبتحوهن‬
‫هوهمن تيوهق تشزح نهتمفبسبه فهأتمولهئب ه‬
"And whoso is saved from his own greed, such are the successful." [TMQ
Tagabun: 16]

The stigma of greed and miserly behaviour is removed by the practice of giving
away money. Since the love of a thing is overcome by compelling oneself to stay
away from it until the abstention becomes something habitual. According to this
meaning, zakah is purity because it purifies the person who fulfils it from the
destructive impurities of greed and stinginess. The extent to which the person is
purified from the stigma of greed is proportional to the amount he gives and the
degree of his pleasure he feels in giving and in his delight in spending in the
cause of Allah (Subhanahu wa ta’aala).

Seeking no return from zakah


As mentioned earlier, zakah is paid for the sake of Allah (Subhanahu wa ta’aala)
alone. So when giving zakah, one needs to remove from the mind the mentality of
giving away the minimum. This is something which Western society thrives on;
doing and giving the least or minimum amount to achieve the maximum gain with
as little effort as possible. Muslims pay zakah regardless of any apparent benefit.

Whereas Allah (Subhanahu wa ta’aala) mentions that;

‫ستهمم هوأهممهوالهتهم بأهزن لهتهتم الهجنزةه‬ ‫بب‬ ‫ب‬ ‫ب‬


‫إزن ال لهه امشتهتهرى مهن المتممؤمنيهن هأنتف ه‬
‘Verily, Allah has purchased of the believers their lives and their properties; for the
price that theirs shall be the Paradise.’ [TMQ Taubah: 111]

This is done by means of struggle and toil for Allah (Subhanahu wa ta’aala), by
giving up oneself to His (Subhanahu wa ta’aala) service because of ones longing
to meet Him (Subhanahu wa ta’aala). There are some who do not pay zakah, not
due to stingy behaviour, but they spend there lives and wealth in complete
devotion and dedication in the path of Allah. For this reason Abu Bakr gave away
all his possessions and Umar gave away half of his. Thereupon Rasoolallah
(salAllahu alaihi wasallam) asked

‫اتَصدق أبو بكر رضي ال عنه بجميع ماَله وعمر‬


‫رضي ال عنه بشطر ماَله فقاَل صلى ال عليه وسلم‬
‫ماَ أبقيت لهلك فقاَل مثله وقاَل لبي بكر رضي ال‬
‫عنه ماَ أبقيت لهلك قاَل ال ورسوله فقاَل صلى ال‬
‫عليه وسلم بينكماَ ماَ بين كلمتيكماَ حديث جاَء أبو‬
‫بكر بجميع ماَله وعمر بشطر ماَله الحديث أخرجه أبو‬
‫داود والترمذي والحاَكم وصححه من حديث ابن عمر‬
‫وليس فيه قوله بينكماَ ماَ بين كلمتيكماَ فاَلصديق وفى‬
‫بتماَم الصدق فلم يمسك سوى المحبوب عنده وهو ال‬
‫ورسوله‬
"And what have you left for your family?" Umar (ra) replied "as much as I have
given away" and then asked Abu Bakr (ra), "And what have you left for your
family?" whose reply was "Allah and His Messenger", RasoolAllah (salAllahu
alaihi wasallam) replied "The difference between you both is the same as the
difference between your replies. Verily al-Siddiq has fulfilled his covenant
completely, withholding nothing unto himself except Allah and his Messenger." (Al
Tirmidhi)

The Preference to pay it secretly unless it is an incentive to others.


Paying zakah should be done in a manner where one has no pride in doing such
an action. It should not be done in manner that achieves fame and recognition.
The Prophet (salAllahu alaihi wasallam) said,

‫سبعة يظلهم ال في ظله يوم ل ظل إل ظله الماَم‬


‫العاَدل وشاَب نشأ بعباَدة ال ورجل قلبه معلق في‬
‫المساَجد ورجلن تَحاَباَ في ال اجتمعاَ عليه وتَفرقاَ عليه‬
‫ورجل دعته امرأة ذات منصب وجماَل فقاَل إني أخاَف‬
‫ال ورجل تَصدق بصدقة فأخفاَهاَ حتى ل تَعلم يمينه‬
‫ماَ تَنفق شماَله ورجل ذكر ال خاَلياَ ففاَضت عيناَه‬

"Seven people will be shaded by Allah under His shade on the day when
there will be no shade except His. ….a person who practices charity so
secretly that his left hand does not know what his right hand has given (i.e.
nobody knows how much he has given in charity) a person who remembers
Allah (Subhanahu wa ta’aala)n seclusion and his eyes get flooded with
tears." (Volume 2, Book 24, Number 504: Narrated Abu Hurairah).

However, if the action of paying zakah serves as an incentive for others to pay.
Imam Ghazali explaining the ayah

‫تَهتمعبرفتتتهم ببسيهماَتهمم‬
"If you display your almsgiving, then well is it.." [TMQ Al-Baqarah : 273]

says that this "refers to such occasions where display is needed either for the
sake of setting an example for giving or because someone has begged in the
presence of a great crowd, in which case giving should not be deferred or
neglected out of fear of being seen." (Iyah ulum ad Deen)

Prompt payment

Zakah must be paid promptly otherwise the condemnation of Allah (Subhanahu


wa ta’aala) is upon him, as he has neglected the command of Allah (Subhanahu
wa ta’aala). The Muslim needs to set himself a date, a notable date like the
beginning of Ramadan, or Muharram, and wait for the next year to come, before
paying the zakah.

Our best wealth needs to go to zakah

If we realise that we are giving the wealth for the sake of Allah (Subhanahu wa
ta’aala), it would mean that we would choose those things that are the best and
most valuable things from our wealth. Whether it is the finest camel or sheep. We
would not give the weakest or most diseased sheep for zakah. The best wealth is
which is earned by the Halal ways. Therefore we will certainly not give money that
is gained by interest bearing transactions, or by cashing in on insurance policies.
Allah (Subhanahu wa ta’aala) reminds us of this;
‫ب‬ ‫ب ب‬ ‫زب‬
‫هياَ أهيتههاَ الذيهن آَهمتنوام هأنفتقوام من طهيكهباَت هماَ هك ه‬
‫سمبتتمم‬
‫ث‬‫ض هوله تَهتيهزمتموام المهخببي ه‬ ‫هوبمزماَ أهمخهرمجهناَ لهتكم كمهن الهمر ب‬
‫ضوام بفيبه و‬ ‫بممنهت تتَنبفتقوهن هولهمستتم ببآِبخبذيبه إبلز هأن تَتتغمبم ت‬
‫هِامعلهتموام أهزن ال لهه غهنبري هحبميرد‬
‘O ye who believe! Give of the good things which ye have (honourably) earned,
and of the fruits of the earth which We have produced for you, and do not even
aim at getting anything which is bad, in order that out of it ye may give away
something, when ye yourselves would not receive it except with closed eyes. And
know that Allah (Subhanahu wa ta’aala)s Free of all wants, and worthy of all
praise.’ [TMQ Al-Baqarah: 267]

One should not belittle any gift received, because if a person should make too
much of it they would be led to feel well pleased with it, and vanity is one of the
destructive matters of life and renders all good works useless. Allah (Subhanahu
wa ta’aala) said;

َ‫هويهتموهم تحنهتمينن إبمذ أهمعهجبهمتتكمم هكثمتهرتَتتكمم فهتلهمم تَتتغمبن هعنتكمم هشميةئا‬


‘And on the day of Hunayn when you were well pleased with your numbers but it
availed to nothing.’ [TMQ At-Taubah: 25]

We should realise that 2.5% or even 10 % is but a little portion of a great amount.
Many people have been content not to go beyond the lowest degree of giving
zakah, or sadaqah. We need to reflect and be embarrassed of this little portion
rather than be proud of it. If on the other hand one gives much of his wealth for
the sake of Allah (Subhanahu wa ta’aala) let him also reflect. For all his wealth
belongs to Allah (Subhanahu wa ta’aala) to whom he is under obligation since
Allah (Subhanahu wa ta’aala) has given him all and has aided him in spending it.
Therefore what has he got to be proud off?

If as Muslims we understand the Hikmah (wisdom) behind the payment of zakah,


we will see it is completely opposite to the prevalent views of the capitalist
societies. However the payment of zakah will help ensure that our identity as
Muslims remains secure as we will earn our wealth by the means that the Shariah
has allowed and not by any means available. It will ensure that the zakah is paid
without any dubious intentions but purely for the sake of Allah (Subhanahu wa
ta’aala) seeking nothing in return and curtailing inclinations of greed and
stinginess.

Source: Khilafah Magazine Ramadhan 1424 Edition


Modification made in blue.
Key:
Adv Personal Zakat Calculator V1.03
Note: All calculations based on Yearly amounts and include VAT.

You Wife 1 Wife 2 Wife 3 Wife 4


£ £ £ £ £
Income
Total Income from employment 3,539.00 28,000.00 0.00 0.00 0.00
Employment 1 3,539.00 28,000.00
Employment 2
Other
Total Income from investments 0.00 123.00 0.00 0.00 0.00
Total Business Income
Total Rent Income
Investments Bonds
Investments Shares
Money in Bank
Jewelry
Newborn + Birthday Gifts 123.00
Other

Total Income from Government Benefits 0.00 1,437.00 0.00 0.00 0.00
Child Benefit 937.00
Other Benefits 500.00

Total Individual Income 3,539.00 29,560.00 0.00 0.00 0.00

Liabilities
Total Local Taxation 0.00 1,344.00 0.00 0.00 0.00
Council Housing Tax 1,344.00
Congestion charging
Other local taxation
Total Government Taxation 482.00 12,093.00 0.00 0.00 0.00
Income tax 208.00 9,600.00
National Insurance Contributions 109.00 1,260.00
Vehicle excise duty 165.00 165.00
Vehicle M.O.T 48.00
Pension Contributions 0.00 1,020.00
Other Government taxation
Total Fuel & Utility Bills 0.00 5,671.88 0.00 0.00 0.00
Petrol 2,548.00
Gas 1,440.00
Electricity 600.00
Telephone (inc Mobile) 664.00
Internet Access 419.88
Other utility bills
Total Maintenance costs 512.00 1,988.00 0.00 0.00 0.00
Household indoor insurances 480.00
Household exterior insurances 380.00 380.00
Personal Insurances 132.00 132.00
Medical Issuance
Travel Insurance
Vehicle Servicing 696.00
Other maintenance costs 300.00
Total Transport costs 40.00 40.00 0.00 0.00 0.00
Travel by bus/coach 10.00
Travel by Train/boat 30.00
Travel by Airplane
Driving/parking fines/offenses 40.00
Other transport costs
Other Running costs 2,106.00 7,621.50 0.00 0.00 0.00
Salaries to paid workers
Mortgage debt 3,468.00
National Union costs 86.00
Clothing 400.00
Children costs 110.00
Food costs 1,028.00 3,028.00
Payments to charities (sadaqa) 20.00
Payments given as gifts 350.00
Court costs
Household goods 1,078.00
Household/Property Building works 127.00
Hire costs 15.00
Other 17.50
Total Yearly Liabilities 3,140.00 28,758.38 0.00 0.00 0.00

Nisab Amount
Approximate price of gold (£/gm) £7.96
Nisab value at this point in time £676.60
Enter Total No. of Children: 3

Zakatable Amount (Income - Liabilities) £399.00 £801.62 £0.00 £0.00 £0.00


Zakat Payable individual @ 2.5% NILL £20.04 NILL NILL NILL
Zakat al-Fitr £2.50 £2.50 NILL NILL NILL

Total Zakat Payable by Family £20.04 Remember, if the individual zakatable


Total Zakat al-Fitr Payable by Family £12.50 amount is less than Nisab no zakat is
payable.

Grand Total Payable by Family £32.54 ç Print Certificate


Enter Amount
Totals
Section Total

Adult Member 1 Adult Member 2


£ £

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00

0.00 0.00
0.00 0.00

0.00 0.00

0.00 0.00

£0.00 £0.00
NILL NILL
NILL NILL
Notes & Descriptions

Mariam £1,100 Contracting April 2003, £309 contacting services, Sept-Nov 2003 LBE £1,903.

Mariam @ £100 @£20 , Birth certificates @£3

Newborn benefit @ £500

Two cars @ £380 each Fully Comprehensive

Honda sevice £100, One wheel for Honda @ £56 and one for Toyota @ £60, 1 x Catalytic Converter @ £480
Insurance excess £150, Honda Bumper fix £100, Computer excess £50

Trafic bus lane fine

Monthly mortgage deduction @ £289 less interest.

New printer, consumerbles, 1 x CDRW, 1 x DVDRW, Kodak Digital Camera., DVD Player, New computer, Iron
10 x cement @ £2.49, 48 x Balast @ £1.10, building tools @ £25 , Bulbs @ £22
Cement mixer for 1 day
Fireworks for Eid Celibrations @ £17.50
Zakat Certification
This is to Certify that the amount oppersite is the Please Pay
zakat amount payable to the groups shown below
as specified in the Qur'an. Zakat: £20.04
Zakat Al-Fitr £12.50
1) The Poor (Al-Fuqaraa) Total: £32.54
2) The Paupers (Al-Masakeen)
4) Those whose hearts are to be reconciled (Al-muallafatu qulubuhum):
5) Slaves (Ar-riqah): There are no slaves today.
6) Debtors (Al-Gharimeen): This precludes debts such as mortgages or anything
which is linked to interest.
7) In the way of Allah (Fi Sabeelillah): This means spending to facilitate and
enhance jihad. Whenever 'Fi Sabeelillah' is mentioned in the Quran, it means
nothing other than jihad.*

8) The Wayfarer (Ibn us-Sabeel): The traveller whose journey has been disrupted
by the lack of money, which does not enable him to reach his destination.

Please Pay amount shown oppersite, which is divided into Zakat & Al-Fitr.
* Read "Zakat Collection Advice" worksheet.
IMPORTANT PLEASE READ
The Authority of the Qur'an clearly defines who the zakat should be govern to.
It also defines who the zakat collectors are and clearly Muslims who give
zakat to other than the defined zakat collectors are in error and in loss.

The zakat collectors are the appointed members of the Islamic State
and ONLY appointed government assistants have the right to collect the zakat
and distribute it accordance to the Qur'an.

Since the Muslims have no unified Islamic state government and khaleef (head of state)
it becomes the responsibility of the Muslim to collectively collect individual zakat and distribute
worldwide. (This is possible)

The problem exists that since the Ummah has no head of state and in the absence of
Islamic State, many organisations under the banner of charities have come forward to act
as collectors. But these organisations have no authority to ask for the zakat and therefore
it is not permissible for Muslims to hand over their zakat to them. If they do they are in error.

Some unauthorised organisations known in the UK:


Muslim Relief, Islamic Relief, Muslim hands, Muslim Care, etc.
It is worthwhile reading documentation on the ITG website concerning Charity organisations.

The Islamic Truth Group is not in a position to collect Zakat and distribute it, we recommend
that you refer to the endorsed collection groups for information as listed below.

Further, it is not permitted for hospitals either in the UK or in the Muslim world to collect
zakat since the distribution is to those 4 groups listed in the Qur'an and through the
legitimate collectors i.e. the Islamic state government. Remind yourself of what the zakat is
for and who are the legitimate recipients according to the Qur'an.

It then becomes the duty of each Muslims to seek out collective individuals that are willing to
travel to the Muslim world out of their own pocket and distribute the zakat.

Further, since in the absence of the Islamic State is known worlwide, Muslims in the Muslim world
are working to re-establish the state . It becomes more important for individual Muslims to send zakat
to groups working to bring about change and the implimentation of a true
Islamic state. The reasoning behind this is that since the need to re-establish the Islamic
State is greater, the state upon being established
would be the rightful collectors and distribute the zakat more effectively, in turn removing
worldwide poverty and taking the responsibility to care for the poor and needy according
to Islam.

The Islamic groups are not institutions, the burden on the Muslims
due to the lack of a head of state supercedes all other Muslim objectives.
Muslims are working for an Islamic World Government
(The re-unification of 60 Muslim states) - Priority One.

Recommendation
It is recommended that zakat by given to Muslim political groups working to re-establish the
Islamic state and this will be achieved with your zakat contribution. This is permissible.

Some authorized Political groups operating in the following regions:


Kashmir, Palestine, Uzbekistan, Kazakhstan, Chechnya, Turkmenistan, Bosnia
Northern China, Mongolia, Somalia, Sierra Leon, Algeria, Afghanistan, Iraq, etc.

The reward given by Allah(swt) to you for providing zakat to muslim groups, some who are engaged
for the cause for Allah(swt) deen is far greater than that if it where given to the poor and needy.

Muslims must think about strengthening the Ummah first, by


re-establishing the Islamic state,(Islamic World Government) a state that will protect the lives,
honor, property of all Muslims worldwide.

It should be made clear to the reader that this recommendation does not imply that the zakhat be
used by states, organisations or individuals that kill innocent people. It should be provided to
those groups that are working to bring about a change using non-violent means.

Jazakallahkhair.

www.islamic-truth.co.uk

Endorsed collection Groups in the UK:


Al-Mahjoroun (disbanded 2003)
Hizb-tu-Tahrir (UK Political party endorsing non-violent means to achive change in the Muslim world)
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