Khums Calculator
Ziarat360
Calculate your Khums accurately. Enter your income, expenses, assets, and liabilities to determine your surplus and Khums due.
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Use Our Khums Calculator for Accurate Results
Fill in the form below to calculate your Khums obligation. All fields are optional — enter only what applies to you.
Before You Start
- All amounts should be entered for your ENTIRE Khums Year, not monthly amounts.
- If your Khums Year runs from 1 January to 31 December, enter totals for that complete period.
- Gold and silver should be entered using their CURRENT MARKET VALUE on your Khums date, not their weight.
- Bank accounts should include the balance remaining on your Khums date.
- Expenses should include only necessary living expenses during your Khums year.
- This calculator provides an educational estimate. Consult your Marja’ for personal rulings.
Step 1: Currency & Khums Year
Select your currency and choose your Khums Year. Every amount entered later should represent totals for this selected Khums Year.
Step 2: Total Income During Your Khums Year
Enter the TOTAL income you received during your selected Khums Year. Do NOT enter monthly income.
Step 3: Necessary Living Expenses During Your Khums Year
Enter the TOTAL amount spent on necessary living expenses during your Khums Year. Do NOT enter monthly expenses.
Step 4: Assets Remaining on Your Khums Date
Only include assets that still belong to you on your Khums Date. Use their CURRENT MARKET VALUE.
Step 5: Outstanding Liabilities on Your Khums Date
Enter debts and liabilities that still exist on your Khums Date.
Khums Calculation Results
How it works: Eligible Surplus = (Total Assets) − (Outstanding Liabilities) | Khums Due = Eligible Surplus × 20%
Total Income
0
All income received during your Khums Year
Necessary Expenses
0
Total necessary living expenses
Remaining Wealth
0
Assets remaining on your Khums Date
Outstanding Liabilities
0
Debts and liabilities you owe
Eligible Amount for Khums
0
Assets − Liabilities = Amount subject to Khums
Khums Due (20%)
0
20% of your eligible surplus
Amount Remaining After Khums
0
What remains after paying Khums
Currency
USD
Your selected currency
Khums Year
2025
The year your Khums is calculated for
Disclaimer: This calculator provides an educational estimate. The obligation of Khums and deductible items may vary according to the rulings of your Marja’. Consult your religious authority for personal guidance.
What is Khums? Understanding the Khums Calculator
Khums (خمس) is an Islamic obligation requiring Muslims to pay 20% of their annual surplus wealth after deducting necessary expenses. It is one of the key pillars of Islamic finance, particularly within Shia jurisprudence, and is mentioned in the Holy Quran (Surah Al-Anfal, 8:41). Our Khums Calculator helps you determine this obligation accurately.
Who Must Pay Khums? Using the Khums Calculator
Every adult Muslim who is of sound mind and has a surplus of wealth exceeding their annual needs is obligated to pay Khums. The Khums Calculator helps you determine if you fall into this category.
How Is Khums Calculated Using the Khums Calculator?
Eligible Surplus = Total Assets Remaining at Year End − Allowable Deductions (Liabilities)
Khums Due = Eligible Surplus × 20%
Net Remaining = Eligible Surplus − Khums Due
Difference Between Khums and Zakat
- Rate: Khums is 20%, Zakat is 2.5%.
- Base: Khums is on annual surplus, Zakat on held wealth.
- Recipients: Khums has specific recipients including the Imam and Sayyids.
Common Mistakes When Using a Khums Calculator
- Not deducting expenses: Many forget to subtract necessary living expenses.
- Ignoring liabilities: Outstanding debts reduce the surplus.
- Including personal assets incorrectly: Only surplus wealth is subject to Khums.
- Forgetting the Khums year: Track your year accurately.
Frequently Asked Questions About the Khums Calculator
What is a Khums Calculator?
A Khums Calculator is an online tool that helps you compute your annual Khums obligation based on your assets and allowable deductions.
Who must pay Khums?
Adult Muslims of sound mind who have a surplus of wealth exceeding their annual needs.
How is Khums calculated using this calculator?
By subtracting allowable deductions (liabilities) from total assets, then taking 20% of the eligible surplus.
When is Khums due?
After one lunar year has passed on the surplus wealth, typically on a fixed personal date.
What assets are subject to Khums?
Cash, bank accounts, gold, silver, investments, stocks, cryptocurrency, inventory, and receivables.
Do debts reduce Khums?
Yes, outstanding debts and liabilities are deducted from the assets before calculating Khums.
Is Khums calculated on income or assets?
Khums is calculated on the assets remaining at the end of the Khums year, minus allowable deductions.
Can I calculate Khums in any currency?
Yes, you can use any currency. The calculation is based on the same percentage.
How accurate is this Khums Calculator?
It provides an accurate estimate based on the inputs. Consult a religious authority for final confirmation.
Does this Khums Calculator replace scholarly advice?
No, it is an educational tool. Always consult your Marja’ for personal rulings.
Can I print my results from the Khums Calculator?
Yes, use the Print button to print a copy of your results.
Is this Khums Calculator free?
Yes, it is completely free to use.
How does this calculator handle cryptocurrency?
It treats cryptocurrency as an investment asset, subject to the same rules as other assets.
What if I have multiple sources of income?
All sources are summed up in the income section for a comprehensive financial picture.
What expenses are deductible?
Necessary living expenses such as food, rent, utilities, education, medical, and transport.
Is there a minimum amount for Khums?
Khums applies to any surplus, regardless of amount, if it exceeds one year’s needs.
Where does Khums go?
Khums is distributed to specified recipients including the Imam, Sayyids, and other charitable causes.