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Section 3: Work and Finance
Zakat: Obligations and How to Pay
Islamic tax calculations and payment channels
What is Zakat?
Zakat is Islamic tax on wealth. It's one of the Five Pillars of Islam. Muslims must pay 2.5% of savings above nisab.
Who must pay?
- ✅ Muslim individuals
- ✅ Savings above nisab (minimum threshold)
- ✅ Held for one lunar year
How much to pay?
- Rate: 2.5% of qualifying wealth
- Nisab: Equivalent to 85g of gold
- Current nisab: Check with state zakat center
What is zakatable?
- 💰 Savings and cash
- 🏦 EPF withdrawals
- 📈 Investments and stocks
- 🥇 Gold and silver
- 💼 Business income
How to pay:
- Online banking
- Zakat center counter
- Mobile apps
Important numbers:
- Lembaga Zakat Selangor: 03-5511 9909
- Website: zis-selangor.org
Frequently Asked Questions
Do I need to pay zakat on my salary?
Zakat is on accumulated wealth, not salary itself. If your savings exceed nisab and held for one lunar year, you pay 2.5% on the total.
Can I pay zakat monthly instead of annually?
Yes, many prefer monthly payments for convenience. Calculate estimated annual zakat and divide by 12. Adjust at year-end if needed.
Is EPF subject to zakat?
Yes, EPF savings are zakatable. Most scholars recommend paying when you withdraw, though some states allow annual payment on EPF statements.
Can zakat be used to pay off my debts?
Generally no, zakat is for eligible recipients (asnaf), not your personal debts. However, if you qualify as 'Gharimin' (overwhelmed by debt), you may receive zakat.
Last updated: March 2026
Disclaimer: This guide provides general information only. Always verify with official sources for the most current information.