Zakat Calculator Bangladesh: How to Calculate Zakat in BDT (2026)

By Sharif Hossain · Last reviewed 2026
This guide is written for Muslims in Bangladesh and follows the Hanafi positions widely accepted in the country. Where rulings differ between madhabs, both views are noted. Sources are listed at the end.

If you’re calculating zakat in Bangladesh, you need answers to three specific questions that most global zakat guides don’t address: what BDT amount is the current nisab, how to handle local instruments like DPS and Sanchayapatra, and how the dominant Hanafi position affects your gold jewelry calculation. This guide covers all three, with a free calculator pre-configured for BDT.

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Quick Summary for Bangladesh

• Zakat rate: 2.5% of net zakatable wealth held continuously above nisab for one lunar year (about 354 days)
• Silver nisab: 612.36 grams of silver (≈ 52.5 bhori/vori) at current BAJUS price
• Gold nisab: 87.48 grams of gold (≈ 7.5 bhori/vori) at current BAJUS price
• Dominant practice: Most Bangladeshis follow the Hanafi madhab, which includes all gold and silver jewelry in zakat calculations
• Most common nisab choice: Silver nisab is preferred by most local scholars and zakat organizations (it’s lower, so more wealth becomes zakatable and reaches the poor)

Current Nisab in Bangladesh

Nisab is the minimum wealth threshold below which zakat is not owed. It’s defined in terms of gold or silver weight, then converted to BDT using current market prices.

The authoritative source for gold and silver prices in Bangladesh is the Bangladesh Jewellers Samity (BAJUS), which publishes official rates. Prices change frequently, so check BAJUS’s current quote before calculating.

To calculate your nisab in BDT:

• Silver nisab in BDT = 612.36 × (current price per gram of silver in BDT)
• Gold nisab in BDT = 87.48 × (current price per gram of gold in BDT)

Because gold prices in BDT have risen sharply in recent years — the price per bhori of 22-carat gold crossed Tk 100,000 in 2023 and has continued upward — the gold nisab now sits at a level that’s out of reach for most ordinary earners. Silver nisab gives a much lower threshold, which is why most Bangladeshi zakat organizations (including Center for Zakat Management) recommend silver as the standard.

The Bangladesh Hanafi Context

Most Bangladeshi Muslims follow the Hanafi madhab. This matters for zakat in two specific ways:

1. Jewelry is fully zakatable

Under the Hanafi position, all gold and silver — including jewelry you wear daily — is zakatable. This is different from the Shafi’i, Maliki, and Hanbali positions, which generally exempt jewelry in regular personal use.

For most Bangladeshi households, this means: if your family has gold jewelry (which is common, especially as wedding-related savings), it counts toward your zakatable wealth at its current market value, not its purchase price. Estimate the current value by checking BAJUS’s per-bhori rate for the carat purity of your gold.

2. Asr timing and other prayer-related defaults

Not directly relevant to zakat calculation, but worth knowing if you use the prayer times tool on this site: select the Hanafi asr method to match local mosque timings.

How to Handle Common Bangladeshi Financial Assets

This is where most global zakat guides leave you guessing. Here’s how to treat assets specific to Bangladesh:

Bank deposits and savings accounts

Fully zakatable. Include the current balance of all your accounts — savings, current, and current-account variants — on your zakat date.

DPS (Deposit Pension Scheme)

DPS balances are zakatable. Include the amount you’ve accumulated as of your zakat date in the “Bank account balances” field of the calculator. Even though you haven’t “completed” the scheme, the money is yours and accruing interest, so it counts.

FDR (Fixed Deposit Receipt)

Fully zakatable. Include the principal value on your zakat date. The interest is a separate matter — most scholars in BD recommend that interest received from conventional banks (which is considered riba) should be given away separately to the poor as purification, not counted as your own wealth.

Sanchayapatra (Government Savings Certificates)

Zakatable at current value. Sanchayapatra are accessible (encashable) instruments — they’re effectively cash equivalents, just held in certificate form. Include the principal in your zakatable assets. Same note as FDR applies to the interest portion.

bKash, Nagad, Rocket, Upay (Mobile Financial Services)

Treat these the same as cash. Whatever balance is sitting in your MFS wallet on your zakat date is part of your zakatable cash. Just check the app and add the figure.

Provident Fund / GPF

This is genuinely debated. Two positions are commonly followed in Bangladesh:

• Conservative position: The vested/accessible portion (what you could withdraw if you left your job today) is zakatable annually.
• Lenient position: Provident fund isn’t zakatable until you actually receive it, since you don’t have full control during employment.

Pick the position your scholar advises. If unsure, the conservative position is the more cautious choice.

Stocks and DSE/CSE investments

If you hold shares for short-term trading, the full market value is zakatable. If you hold for long-term dividends, the contemporary position is that only the zakatable portion of the underlying company’s assets counts — usually estimated at 25-30% of share price as a rule of thumb.

Land and property

Land held for personal use (your home, agricultural land you farm yourself) is not zakatable. Land held as investment (bought intending to sell at appreciation) is zakatable at current market value.

Cryptocurrency

The dominant contemporary position treats crypto as a tradable asset, making it zakatable at market value on your zakat date. Include the BDT equivalent of your holdings in the calculator.

Use the Calculator

The calculator below is pre-configured for Bangladesh: BDT currency and silver nisab as default (matching local practice). Enter the current silver price per gram in BDT from BAJUS or your local jeweler, then fill in your assets and liabilities.

Where to Pay Your Zakat in Bangladesh

You can give zakat directly to qualifying people you know (relatives in need, neighbors, students), or through institutions. The major options in Bangladesh:

• Islamic Foundation Bangladesh (IFB) — the government religious authority. The Zakat Board operates under IFB and collects/distributes zakat through state channels. The Zakat Fund Management Act, 2023 modernized this framework.
• Center for Zakat Management (CZM) — one of the largest non-government zakat collection bodies in Bangladesh. Active in education, healthcare, and livelihood programs for zakat recipients.
• Other registered NGOs — organizations like SNAD Foundation, Anjuman Mufidul Islam, and others accept zakat with separate accounting from general donations.

If you give through an institution, verify that they distribute to the eight Quranic categories of recipients (Surah At-Tawbah 9:60) and keep zakat funds accounted separately from general donations and sadaqah. The Zakat Fund Management Act, 2023 increased transparency requirements for institutional zakat in Bangladesh — ask for the organization’s compliance status if you’re unsure.

Worked Example (in BDT)

Let’s say Rahim is calculating zakat in Bangladesh. He uses silver nisab. Today’s silver price per gram from BAJUS is Tk 130.

His nisab threshold:
612.36 × Tk 130 = Tk 79,607

His zakatable assets:

• Cash in bank (savings + current): Tk 350,000
• bKash balance: Tk 8,000
• DPS accumulated: Tk 120,000
• Sanchayapatra: Tk 200,000
• Gold jewelry (wife’s, ~5 bhori of 22-carat at current rate): Tk 540,000
• Investment land at market value: Tk 800,000

Total assets: Tk 2,018,000

His liabilities:

• Outstanding personal loan due this year: Tk 50,000
• Next 12 months of home loan payments: Tk 240,000

Total deductions: Tk 290,000

Net zakatable wealth: Tk 2,018,000 − Tk 290,000 = Tk 1,728,000

This is well above the silver nisab of Tk 79,607, so zakat is due.

Zakat owed: Tk 1,728,000 × 2.5% = Tk 43,200

When to Pay Your Zakat

Zakat is technically due on the day your wealth has been continuously above nisab for one full lunar year. In Bangladesh, most people pick a fixed date — often during Ramadan, because the reward for charitable acts during Ramadan is greater. As long as you calculate consistently each year on the same date, the exact date is flexible.

If you want to know when key dates like Ramadan and Eid fall this year in Bangladesh, see the Islamic events calendar.

Common Mistakes Bangladeshi Muslims Make with Zakat

• Forgetting jewelry under the Hanafi position. If your family follows Hanafi practice (most do in BD), don’t omit your wife’s or family’s gold from the calculation — it’s zakatable at current BAJUS market value.
• Using purchase price instead of market value. Gold bought 10 years ago is worth much more now. Use today’s BAJUS rate, not what you paid.
• Skipping DPS and Sanchayapatra. These are common BD instruments that many people forget. They count.
• Subtracting the full home loan balance. Only the next 12 months of long-term debt payments are deductible, not the full mortgage principal.
• Mixing bank interest with zakat funds. Riba from conventional banks should be given to the poor as purification, but it’s a separate matter from zakat — don’t double-count.
• Paying once and forgetting. Zakat is annual. Mark your zakat date in your calendar and calculate every year.

Sources and Scholarly Notes

This guide draws on:

• The Qur’an, particularly Surah At-Tawbah (9:60) on zakat recipients
• Sahih al-Bukhari and Sahih Muslim for hadith establishing nisab
• The Hanafi fiqh tradition, dominant in Bangladesh, for jewelry inclusion and similar positions
• Islamic Foundation Bangladesh guidance and the Zakat Fund Management Act, 2023
• BAJUS (Bangladesh Jewellers Samity) for current gold and silver market prices
• Contemporary fatwa councils including AAOIFI and AMJA for guidance on modern instruments like crypto, stocks, and retirement funds

For your personal situation — especially involving complex business assets, unusual debts, or family inheritance questions — consult a qualified scholar or mufti from a recognized Islamic institution in Bangladesh rather than relying on a general guide.

Disclaimer: This guide is provided for general educational purposes. It is not a fatwa and is not a substitute for personal scholarly consultation. The author is not a scholar and welcomes corrections from those with qualified Islamic knowledge.

Related Tools

• Global Zakat Calculator — the main zakat guide covering 9 currencies and full madhab context
• Prayer Times — daily salah times for any city in Bangladesh
• Hijri Date Converter — convert between Islamic and Gregorian calendars
• Qibla Finder — find the direction of the Kaaba from Bangladesh
• Ramadan Timer — countdown to suhoor and iftar in your location
• Islamic Events Calendar — major Islamic dates for the current year

Frequently Asked Questions

Q: How much is the current zakat nisab in BDT?
A: It depends on today’s gold and silver prices. Silver nisab (612.36 grams) at a typical recent BAJUS rate of Tk 130/gram works out to roughly Tk 80,000. Gold nisab (87.48 grams) at recent rates is over Tk 14 lakh. Most local scholars and zakat organizations recommend using the silver standard because it’s lower and benefits more recipients.

Q: Is zakat due on my DPS or Sanchayapatra?
A: Yes. Both are accessible savings instruments and are zakatable at their accumulated value on your zakat date. Bank interest (riba) is a separate matter and should be given to the poor as purification, not counted as your wealth.

Q: My wife’s gold jewelry is for daily wear. Do I still need to pay zakat on it?
A: Under the Hanafi position (followed by most Bangladeshis), yes — all gold and silver jewelry is zakatable regardless of whether it’s worn or stored. Other madhabs differ. Follow the position your family’s scholar advises.

Q: Should I use gold or silver nisab?
A: Most Bangladeshi zakat institutions, including Center for Zakat Management, recommend silver nisab because it’s lower in BDT terms and means more wealth becomes zakatable for the poor. Some scholars prefer gold. Pick one and stick with it consistently each year.

Q: Where can I find today’s gold and silver prices in BDT?
A: BAJUS (Bangladesh Jewellers Samity) is the authoritative source. Their price updates are also covered in Bangladeshi newspapers like Prothom Alo, The Daily Star, and Financial Express, and on jeweler websites.

Q: Can I give zakat to my parents or children in Bangladesh?
A: No. You cannot give zakat to direct ascendants (parents, grandparents) or descendants (children, grandchildren) because you are already obligated to support them. Siblings, aunts, uncles, and cousins are permissible recipients if they qualify (i.e., they are poor or in debt).

Q: Is zakat on land in Bangladesh required?
A: Land for personal use (your home, family agricultural land farmed for your own use) is not zakatable. Land held as investment, intended to be sold at appreciation, is zakatable at its current market value.

Q: Does the Zakat Fund Management Act, 2023 change how I pay zakat?
A: The Act modernizes how the government Zakat Board (under Islamic Foundation Bangladesh) collects and distributes institutional zakat. It doesn’t change your personal calculation — you still owe 2.5% on wealth above nisab held for a lunar year. If you give through the official Zakat Board, the Act provides increased transparency requirements.