Hisaably is an AI-powered assistant built by Muslims who believe you deserve more than a number. It guides you through every ruling, explains every line, and answers your questions — grounded in classical Islamic scholarship.
خُذْ مِنْ أَمْوَٰلِهِمْ صَدَقَةً تُطَهِّرُهُم
“Take from their wealth a charity by which you purify them”
— Surah At-Tawbah 9:103
Why we built this
Zakat is one of the five pillars of Islam — an obligation that purifies wealth and supports those in need. Yet for many Muslims, calculating it correctly feels uncertain. Which assets count? What's the nisab today? Can I deduct my debts? What does my madhab say?
We built Hisaably because existing tools either oversimplify or overwhelm. A traditional calculator gives you a form to fill in. Hisaably gives you a guided conversation — an AI assistant that thinks through your situation with you, explains every ruling, and helps you plan your giving with confidence.
AI-powered, not just automated
Hisaably uses AI to guide you through every category, answer your follow-up questions, and explain rulings — the way a knowledgeable friend would.
Grounded in fiqh
Built on classical scholarship across all four Sunni madhahib. Where schools disagree, Hisaably shows you both positions and lets you choose.
Transparent to the dirham
Every calculation shows its working. You see every included asset, every deduction, and exactly why the 2.5% rule applies — or doesn't.
The process
What Hisaably does
Hisaably isn't just a form you fill in once. It's a full Zakat companion — calculating your obligation, explaining every ruling in plain language, and helping you plan and track your giving over time.
The obligation
Zakat (زكاة) is one of the Five Pillars of Islam — an annual obligatory act of worship in which a Muslim gives a portion of their qualifying wealth to those in need. The word itself means both purification and growth — giving Zakat purifies the wealth you keep and purifies the soul of the one who gives.
It is mentioned alongside prayer (salah) over 80 times in the Quran, underscoring how central it is to a Muslim's relationship with Allah and with their community. The Quran describes eight categories of people who are entitled to receive Zakat: the poor, the needy, those in debt, travellers in need, those working to collect and distribute it, new Muslims, those working to free themselves from slavery, and those working in the cause of Allah (Surah At-Tawbah 9:60).
Zakat is not the same as voluntary charity (sadaqah). It is a precise obligation — calculated annually, based on specific asset categories, and subject to scholarly rulings. Getting it right matters. That is why Hisaably exists.
وَأَقِيمُوا الصَّلَاةَ وَآتُوا الزَّكَاةَ
“Establish prayer and give Zakat”
— Surah Al-Baqarah 2:43, one of 32 direct commands to give Zakat in the Quran
The threshold
The nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. It is based on the value of gold or silver as defined in classical Islamic scholarship — not an arbitrary number, but a divinely-guided threshold designed to ensure Zakat falls only on those with genuine surplus wealth.
There are two nisab thresholds:
Most scholars recommend
Silver nisab
612 grams of silver
This is the lower threshold. The majority of scholars today recommend using the silver nisab because it is more inclusive — it means more Muslims fulfil the obligation and more people receive its benefit.
More restrictive
Gold nisab
85 grams of gold
This is the higher threshold. Using gold nisab means fewer people reach the minimum, so fewer are obligated to pay. Some scholars prefer this to avoid obligating those with modest wealth.
The nisab value in your currency changes daily as gold and silver prices fluctuate. Hisaably fetches live spot prices every day so the threshold used in your calculation is always accurate — never a stale estimate from months ago.
Zakat is also only due if your wealth has remained above the nisab for a full lunar year (hawl). If your wealth dips below nisab at any point during the year, the clock resets. Hisaably tracks this and reminds you when your hawl anniversary approaches.
Schools of law
A madhab (مذهب) is a school of Islamic jurisprudence — a systematic methodology for deriving legal rulings from the Quran and Sunnah. All four Sunni madhahib are valid and authoritative. They agree on the fundamentals of Zakat but differ on specific details. Hisaably adjusts its calculation based on your chosen madhab.
Hanafi
Imam Abu Hanifa (699–767 CE)
Predominant in: Turkey, South Asia, Central Asia, Egypt
Zakat specifics: Worn gold and silver jewellery is included in zakatable wealth. All debts — short-term and long-term — may be deducted before calculating Zakat. The nisab is calculated using silver.
Maliki
Imam Malik ibn Anas (711–795 CE)
Predominant in: North Africa, West Africa, parts of the Gulf
Zakat specifics: Worn jewellery used regularly is generally exempt. Only short-term debts (due within the year) may be deducted. Both gold and silver nisab are used, depending on the scholar.
Shafi'i
Imam Al-Shafi'i (767–820 CE)
Predominant in: Southeast Asia, East Africa, parts of the Middle East
Zakat specifics: Worn jewellery intended for personal adornment is exempt. Only immediate short-term debts may be deducted. Silver nisab is standard but gold nisab is also applied.
Hanbali
Imam Ahmad ibn Hanbal (780–855 CE)
Predominant in: Saudi Arabia, Qatar, parts of Syria and Iraq
Zakat specifics: Worn jewellery is generally included as zakatable wealth. Short-term debts are deductible. The madhab tends toward caution — if in doubt, include the asset.
Not sure which madhab you follow? Hisaably defaults to the most common scholarly opinion and clearly shows where different schools diverge, so you can make an informed choice.
In five minutes, Hisaably will guide you through your full Zakat — explaining every ruling, answering every question, and helping you plan your giving.