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Calculating your wealth preservation strategy...

Islamic Wealth Shield

Shariah-compliant Wealth Solutions

This document is generated by Islamic Wealth Shield by Aayan

© 2026 Islamic Finance Solutions. All calculations are estimates.

Faith • Strategy • Preservation

Islamic Wealth Shield

Shariah-compliant solutions to preserve your gold wealth while fulfilling zakat obligations

This mode compares different strategies for preserving wealth through gold and Shariah-compliant investments while accounting for zakat obligations.

Gold vs SIP Parameters

Core Idea First

You are not trying to liquidate gold every year. Instead, keep your gold as the long-term store of value, and use Shariah-compliant SIP growth to fund yearly zakat whenever possible.

Math Corrections Applied:

• Zakat calculated on end-of-year gold value
• Zakat payments deducted from SIP
• Gold-only scenario deducts zakat annually

Computed total investment: ₨1,000,000

If gold value is below nisab in any year, zakat is not charged for that year in the comparison.

Please enter a valid amount (min: 1,000)
Zakat must be between 0-10%
Years must be between 1-50
Return must be between -10% and 50%
Return must be between -10% and 50%

How the Comparison Works

This calculator helps you find the optimal balance between gold and Shariah-compliant investments to preserve your wealth while fulfilling zakat obligations.

  • Zakat Calculation: We calculate zakat on your gold holdings at the end of each year at the specified rate (typically 2.5%).
  • Gold Preservation: Instead of selling gold to pay zakat, we use income from investments to cover zakat payments.
  • Investment Growth: SIP investments grow at the specified annual rate, providing funds for zakat payments.
  • Optimal Strategy: We test different gold/SIP allocations to find the highest gold percentage where the SIP can cover all zakat obligations throughout the investment period.
  • Wealth Preservation: The strategy preserves your gold holdings while using investment returns to fulfill religious obligations.

Islamic References

  • Zakat on gold is obligatory when it reaches the nisab value (87.48 grams) - Sahih Bukhari
  • Gold is zakatable at 2.5% annually - Quran (9:60)
  • Islamic finance prohibits interest (riba) - Quran (2:275)
  • Preserving wealth is encouraged in Islam - Hadith

Calculate your zakat obligations on gold assets according to Islamic principles.

Zakat Calculator

Nisab Threshold

Zakat is obligatory when gold exceeds 87.48 grams (7.5 tola) of pure gold. Below this amount, no zakat is due on gold. The nisab is calculated based on the current value of 87.48 grams of pure gold.

Please enter a valid weight

Note: Conversion uses standard 1 tola = 11.664g. Actual purity may vary.

₨
Please enter a valid rate
Zakat must be between 0-10%

How Zakat is Calculated

This calculator determines your zakat obligations based on Islamic principles:

  • Nisab Threshold: Zakat is only obligatory if your gold exceeds the nisab value (87.48 grams of pure gold).
  • Purity Adjustment: Gold purity is adjusted to pure gold equivalent (e.g., 22K gold is 91.7% pure).
  • Zakatable Value: Total zakatable wealth includes both gold value and other assets (cash, investments).
  • Zakat Rate: Standard zakat rate is 2.5% of your total zakatable wealth above the nisab threshold.
  • Payment Options: You can pay zakat in cash, equivalent gold weight, or invest in a SIP to cover future obligations.

Favorable Zakat Months

These months are particularly virtuous for paying zakat:

Ramadan (Islamic Calendar)
Dhul-Hijjah (Islamic Calendar)
Muharram (Islamic New Year)

Islamic References

  • "Take from their wealth charity to purify them" - Quran (9:103)
  • Gold nisab is 87.48 grams of pure gold - Sahih Muslim
  • Zakat is payable on wealth held for one lunar year - Fiqh texts
  • Zakat purifies wealth and increases blessings - Hadith

Plan your Systematic Investment Plan (SIP) to cover future zakat obligations while preserving your wealth.

Zakat SIP Planner

₨
Please enter a valid amount
Years must be between 1-50
Return must be between -10% and 50%
Inflation must be between 0-50%
Buffer must be between 0-100%

How the SIP Planner Works

This planner helps you create a systematic investment plan to cover future zakat obligations:

  • Present Value Calculation: We calculate the lump sum needed today to cover all future zakat payments based on projected inflation.
  • Monthly SIP: We determine the monthly investment required to build the needed corpus over 3 years.
  • Investment Growth: Your investment grows at the specified rate to cover increasing zakat obligations.
  • Safety Buffer: We add a buffer to account for market volatility and higher-than-expected inflation.
  • Coverage Projection: Year-by-year projection shows how your investment covers zakat obligations.

Islamic References

  • "And spend out of what We have provided for you" - Quran (2:254)
  • Planning for future obligations is encouraged in Islam - Hadith
  • Shariah-compliant investments are permissible - Fiqh Council rulings
  • Wealth preservation is a form of sadaqah jariyah - Islamic finance principles

Gold vs SIP Results

Optimal Strategy Recommended

100% Gold Scenario

Your Advantage

Gold % SIP % End Gold Value End SIP Value Status

How to interpret results

The green row shows the optimal strategy where SIP survives all years and pays zakat. The "Benefit" card shows how much wealth you preserve compared to a 100% gold strategy. Zakat is calculated on the current value of gold at the end of each year and paid from the SIP investment.

Calculation completed successfully!

Disclaimer: These calculations are for educational purposes only. Actual results may vary based on market conditions. Consult with a qualified Islamic finance advisor before making investment decisions. Zakat calculations should be verified with your local scholar.