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Zakat on shares & investments

Calculate zakat on the current market value of your shares, unit trusts, or other investments held for one year.

Formula

zakat = 2.5% × current market value of shares/investments, if it meets the nisab threshold and has been held for one haul

Assumptions

• Uses the market-value method (2.5% of current holding value) — the most commonly used simplified approach for individual investors in Malaysia. Some scholars instead assess only dividends received, or a proportion based on the underlying company's zakatable assets.
• Requires haul — the investment must have been held for one full lunar year.
• Assumes the shares/units are held for investment purposes, not for short-term trading stock, which some rulings treat differently (like business inventory).

Frequently asked questions

Should I use the value I bought at, or today's market value?
Today's market value — zakat on investments is assessed on what the holding is currently worth, not your original purchase price.

Do I owe zakat on unrealized gains I haven't sold yet?
Yes, under the market-value method — the zakat obligation is based on the current value of what you hold, whether or not you've sold it, similar to how cash savings are assessed by balance rather than by realized profit.

What about shares I actively trade rather than hold long-term?
Shares held as trading stock (bought and sold frequently for profit, rather than held as a long-term investment) are sometimes treated like business inventory instead — check with your state zakat authority on which method applies to your situation.

Sources

• PPZ-MAIWP — Zakat pendapatan (income zakat) calculation