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Zakat on Lent Money Calculator

Zakat on a loan you gave (udhaar) — this calculator works out exactly what you owe, year by year, under all three views: Hanafi, Maliki and the Islamic Fiqh Academy. No guessing, no stretched verse.

How it works

Three steps, under a minute:

  1. Enter how much you lent and how many years ago.
  2. Say whether the borrower can pay, or can't pay right now.
  3. Pick the view you follow — and see all three views side by side, with a year-by-year table.

1 · The loan

The money you lent to someone — a loan, not a gift.

The principal you lent — the amount you expect back.
Full lunar years the loan has been out. Count from the day you gave it.

2 · Can the borrower pay?

This changes when zakat is due — not whether the loan is your wealth.

3 · Which view do you follow?

Your view sets the headline number — the table below shows all three, so you can compare.

4 · Your zakat on this loan

Enter the loan above to see your calculation.

DeenHisab — Zakat on Lent Money Report

For education and estimation only — confirm with a qualified scholar.

Zakat on lent money — quick answers
Do I pay zakat on money I lent to someone?
Yes, if you expect it back. A money loan is your wealth — a strong debt in Hanafi terms. The schools differ on when you pay it: Hanafi — zakat builds up each year, pay on recovery for all past years; Maliki — pay once, on recovery; Islamic Fiqh Academy (Jeddah, 1985) — pay yearly if the borrower is solvent, or one year after receipt if the borrower is insolvent or disputes the loan.
What is the Hanafi position?
A money loan is a strong debt (dayn qawi) — it counts as your wealth. Zakat builds up at 2.5% for each year the loan is out, but you do not have to pay it until the money actually comes back — and then you pay for all the past years together. For example, 100,000 lent for 3 years means 2,500 per year, 7,500 due on recovery.
What is the Maliki position?
In the Maliki view, zakat on a loan is paid once, when the money is recovered — 2.5% of the loan amount, for one year only, no matter how many years the loan was out.
What did the Islamic Fiqh Academy decide in 1985?
In its Resolution No. 1 (2nd session, Jeddah, December 1985), the International Islamic Fiqh Academy resolved: the lender pays zakat every year if the borrower is solvent; and if the borrower is impoverished or disputes the loan, the lender pays zakat after one year has passed from the day he actually receives the money. The Academy itself noted there is no direct statement in the Quran or Sunnah elaborating the rules of zakat on debts.
What if the borrower can't pay, or denies the loan?
Then nothing is due now. All three views agree you wait until the money comes back. On recovery: Hanafi — pay for all the past years; Maliki — pay once (2.5% for one year); Fiqh Academy — pay after one year has passed from receipt, 2.5% for that one year.
Do I pay for all the past years, or just one?
It depends on the view you follow. Hanafi: all past years — 2.5% per year the loan was out, paid together on recovery. Maliki: just one year — 2.5% once, on recovery. Fiqh Academy: every year if the borrower is solvent; one year (after a year from receipt) if the borrower is insolvent or disputes the loan.
Is there a Quran verse or hadith about zakat on lent money?
No direct verse or hadith states the rule for zakat on loans — the Islamic Fiqh Academy itself noted this in 1985. The general basis for zakat is Quran 9:103 ("Take from their wealth a charity"), and Quran 2:280 tells us to give a debtor in difficulty time until ease. The loan rule itself comes from the scholars' reasoning, which is why the schools differ.
Educational tool. Zakat on debts has detailed rulings that vary by school and by the type of debt — this calculator covers money loans (a strong debt). Other debts, such as unpaid wages or a disputed claim, may be treated differently. Always confirm your final amount with a qualified scholar or mufti.