National Zakat Foundation
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How to calculate your missed Zakat
What if I missed a number of years of Zakat?
A person who missed Zakat a number of years has to calculate the value of the net Zakatable assets on one’s Zakat day for every year missed. The amount to be disbursed in the previous years has become a debt in one’s liability on the day Zakat was binding. Thus, the outstanding amount due on each year’s Zakat day must be paid.
How do I calculate missed Zakat?
To calculate missed Zakat, work out the total net Zakatable assets in previous annual Zakat days in the same manner when calculating your net Zakatable assets for the current year. You can work out your net Zakatable assets by subtracting all your deductible liabilities from your gross Zakatable assets. One should try to calculate as precise and accurate as possible. To get a precise figure, one can look at previous bank statements, wage slips, invoices, receivables and other documentation rel
I have not paid Zakat al Fitr for previous years, should I pay it now?
Majority if not all of the scholars agree that Zakat al Fitr liability remains until one pays. Hence, one must make up for the missed Zakat al Fitr amount as soon as possible. Pay your Zakat: www.nzf.org.uk/payzakat Download your FREE Zakat Guide: [www.zakatguide.co
Does Zakat become a debt?
When a person misses a payment of Zakat, the outstanding balance becomes a debt. A Zakat debt is more severe than normal debts. A normal debt is the right of the creditor who may be wealthy and affluent. Whereas, a Zakat debt has two rights attached to it; not only is it the right of a needy person, in addition, it is the right of Allah that one pays his Zakat.
How can I have missed paying my Zakat?
One can miss Zakat payments intentionally or unintentionally for a number of reasons: • Forgetting Zakat altogether • Miscalculating Zakat and as a result not paying at all or paying less than what was due • Being lazy and missing Zakat • Saving money to purchase something deemed important
Can I pay missed Zakat in instalments?
If a person genuinely does not have the financial capacity to pay off the entire missed Zakat balance immediately, it will be permissible to pay off the outstanding missed Zakat balance in instalments.
Missed Zakat for a deceased person?
The majority of the schools of Fiqh, namely, the Maliki, Shafi’i and Hanbali schools stance on missed Zakat for a deceased person is that Zakat must be paid from the estate when paying off any debts. Zakat will be disbursed from the estate even without a bequest for the payment of Zakat. The Hanafi school opines that missed Zakat will not be paid from the estate unless the deceased had bequeathed the payment of Zakat. If he did enumerate missed Zakat in his bequest, Zakat will be paid from on
Is there any additional fine or monetary penalty for missing Zakat?
There is no additional fine or penalty for failure to disburse Zakat on time. Instead, one should hasten to pay any outstanding Zakat immediately and equally, seek repentance from Allah.
What is missed Zakat?
Missed Zakat refers to unpaid Zakat after being binding upon someone. The failure to pay Zakat on its due date means one has missed and defaulted in a Zakat payment.
Never made intention of Zakat in the past
A: Yes you will have to recalculate and pay the Zakat for the previous years. The money you have been giving to this orphan is an act of virtue and Ins
I have been acquiring unlawful and Haram money for years. Do I have to pay missed Zakat for all these years?
First and foremost, one must repent for engaging in prohibited activities of trade. Zakat is not binding upon wealth acquired from haram sources like gambling, interest & sales of prohibited items. The total amount of money acquired from unlawful activities must be given all in charity. Money acquired unlawfully belongs lawfully to the owners of the wealth. If they cannot be traced, one must dispense of such wealth in charity as that amount is not lawfully yours. Therefore, unlawful wealth
How do I calculate missed Zakat to ensure I have fulfilled this obligation?
To calculate missed Zakat, work out the total net Zakatable assets in previous annual Zakat days in the same manner when calculating your net Zakatable assets for the current year. You can work out your net Zakatable assets by subtracting all your deductible liabilities from your gross Zakatable assets. One should try to calculate as precise and accurate as possible. To get a precise figure, one can look at previous bank statements, wage slips, invoices, receivables and other documentation re
What if I am unsure if I have missed a Zakat payment?
If a person cannot remember or recall paying Zakat for any previous year despite knowing one qualified to pay Zakat, then one should pay Zakat for that year. And Allah knows best! Mufti Faraz Adam
Is missing Zakat a sin?
If a person missed a Zakat payment despite having the ability to pay their Zakat, such a person will be considered sinful. Once a command of Allah applies to a person, to delay without any genuine justification is regarded as a sin. Imam Al-Nawawi (may Allah have mercy on him) said: “Our scholars (the Shafi’I scholars) agree that when Zakat becomes binding upon an individual who has ability to pay, he must give immediately. Delaying the payment of Zakat will make him sinful. This is also t
I have thousands of pounds of interest money from previous years. How does this affect missed Zakat?
The amount of interest acquired must be returned to wherever you received interest from. If that is not possible, the interest amount must be given in charity. This is a debt and liability upon you. Hence, when calculating Zakat, interest is a deductible from your gross Zakatable assets. Money acquired unlawfully belongs lawfully to the owners of the wealth. If they cannot be traced, one must dispense of such wealth in charity as that amount is not lawfully yours. Therefore, unlawful wealt
Is the previous year’s missed Zakat deductible from the following year’s gross assets?
When calculating missed Zakat for a number of years, one may deduct all the outstanding zakat from the previous years from the following years. For example, the outstanding Zakat from the Islamic calendar years 1425-1435AH can be deducted when calculating one’s net Zakatable assets for 1436AH. And Allah knows best! Mufti Faraz Adam
What if I missed paying Zakat only on my savings in my bank account?
Zakat is compulsory on all net Zakatable assets which includes all money, regardless if it is kept at home or deposited in a bank account. Thus, Zakat is also binding upon the amount one had in their bank account on their Zakat day. After tracing the balance of the bank account on their Zakat day, one can give 2.5% of bank balance as Zakat. And Allah knows best! Mufti Faraz Adam
Are there any scenarios where missed Zakat is overlooked and forgiven?
Zakat liability drops upon the loss of one’s wealth due to factors out of one’s control such as fires, floods, theft etc. However, Zakat liability will only drop if these unfortunate events occurred without spending one’s money. Realistically, if these events occurred on one’s Zakat date or immediately after without using any of the funds, Zakat liability will be overlooked. This is the Hanafi school’s opinion. For example, the Nisab was £200 and on the Zakat anniversary, Musa had £200. A
What if I missed Zakat for a number of years when I had a lot of money but now I am in debt?
Missed Zakat is still binding for the previous years despite being currently in debt. One may spread Zakat payments over a number of months in a genuine and realistic manner to fulfil this obligation at the earliest opportunity. Current debt does not absolve one from missed Zakat from previous years. However, current debt will prevent the obligation of Zakat for this year. Current debt will not uplift missed Zakat of previous years as a person was capable to pay at that time. Thus, the obl
Do I have to take into account the rate of inflation when paying missed Zakat?
The rate of inflation will not be considered when paying missed Zakat. Inflation is not considered in Shariah based upon the following narration: Abu Sa’id al-Khudri and Abu Huraira (Allah be pleased with them) narrate that the Messenger of Allah (Allah bless him & give him peace) appointed a person as a governor of Khaybar. This governor brought to the Prophet (Allah bless him & give him peace) high quality dates of Khaybar. The Messenger of Allah (Allah be pleased with them) asked: “Are al
If I don’t pay an immediate bill, I will be charged interest. Shall I pay that bill off first or the missed Zakat?
One may pay off the outstanding bill. Thereafter, however much money is available, one should endeavour to use the remaining money for missed Zakat even if it does not cover all of the outstanding balance for missed Zakat. The ideal situation would be to pay the missed Zakat from now in small amounts in instalments in a manner that will not affect the debt payment. And Allah knows best! Mufti Faraz Adam
What are some examples where Zakat can be miscalculated?
A person can have missed Zakat in a number of different circumstances. Some of the possible scenarios include: • As a teenager, you may have had enough money in your bank account to warrant paying Zakat but not thought about it. • As a student at university or upon graduation, you may have incorrectly assumed that you didn’t have to pay Zakat due to having a student loan. • You may have been unsure whether to pay Zakat on jewellery or not. • You may not have distinguished between personal a
Is it necessary to give missed Zakat to a specific avenue or person?
The recipients of missed Zakat are identical to that of Zakat disbursed on time. When paying missed Zakat, pay as you normally pay for Zakat. And Allah knows best! Mufti Faraz Adam
Who is obliged to pay missed Zakat?
Those who are required to pay Zakat are equally required to pay missed Zakat for those years which they qualified to pay Zakat but failed to do so. At the time of missing a Zakat payment, those required to pay missed Zakat must be: • Adult (have reached puberty) • Muslim • Sane • In complete ownership of the Nisab (Add link for info) Please note, the three schools of thought other than the Hanafi school state that Zakat should be paid on qualifying wealth owned by the insane and children. An
What if my spouse or mature children have missed Zakat, am I responsible to pay?
Zakat is an individual obligation. Thus, each spouse and mature child is individually responsible to disburse their own Zakat as well as their missed Zakat. However, one may help another disburse their zakat. Insha’Allah, one will get a lot of reward. Please note the three schools of thought other than the Hanafi school state that Zakat should be paid on qualifying wealth owned by the insane and minor children. And Allah knows best! Mufti Faraz Adam
How can I have missed Zakat?
One can miss Zakat payments intentionally or unintentionally for a number of reasons: • Forgetting Zakat altogether • Miscalculating Zakat and as a result not paying at all or paying less than what was due • Being lazy and missing Zakat • Saving money to purchase something deemed important And Allah knows best! Mufti Faraz Adam
Does missed Zakat remain obligatory?
Missed Zakat becomes obligatory after a person qualifies to pay Zakat. This obligation remains upon a person despite negligence, error or ignorance. The obligation of Zakat according to the Hanafi School is originally upon the wealth but is transferred onto an individual upon exhausting his wealth. Whereas, the other schools of Fiqh opine that the obligation of Zakat is vested on an individual from the outset. Thus, it remains obligatory. And Allah knows best! Mufti Faraz Adam