Zakat, halal money & the Islamic will you haven’t written

The one decision made for you silently. Nisab — the threshold below which you owe nothing — can be set by gold (about 87.48g) or by silver (about 612.36g). In money terms those are roughly twenty times apart, so the choice decides whether you owe zakat at all, not merely how much. Pensions, shares at market value versus underlying assets, crypto and deductible debt are all genuinely disputed too. Every calculator picks a position to produce a number; most do not tell you which. We deliberately host none — use one that shows its working, and ask a scholar for anything unusual.

Read these as positions, not verdicts. Sharia stock-screening standards genuinely differ — AAOIFI’s thresholds are not the only ones in use — and mortgages are among the most contested masā’il in Western fiqh. Conventional pension default funds and student loans divide contemporary scholars too. Nothing here is financial advice, and getting it wrong costs real money: take your own circumstances to someone qualified.

Why this one matters more than it sounds. English law does not recognise Sharia inheritance as a separate body of rules, so a will that merely stipulates “distribute according to Sharia” is ineffective and can leave you intestate — with the estate going to whoever the secular rules name, which for a revert is often non-Muslim next of kin. The faraid shares themselves are fixed, but applying them is technical and jurisdiction-bound, and the free calculators disagree with each other. We link and explain; we compute nothing. Get a scholar and a solicitor in your own country.