How is the Zakat calculated for a sum of 9,600 Euros saved over a full year at a rate of 800 Euros per month?
If the saved money reaches the nisab (the equivalent of 85 grams of gold or 595 grams of silver), and a full lunar year passes over it without its falling below the nisab, then zakat becomes obligatory on it. The muzakki (the one paying zakat) must identify the day on which the nisab was completed, and then pay zakat on what a full year has passed over at the end of the lunar year. As for money saved thereafter, each portion of it is subject to zakat when its own hawl (full year) passes. It is permissible to advance the zakat for all the money when the hawl of the nisab is completed, even if it is not obligatory. The obligatory aspect is to pay zakat on each portion of the salary when its hawl passes, which is known as zakat on newly acquired wealth (al-mal al-mustafad).
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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