Zakaat on a person who has debts

Q: Is zakaat compulsory on a person who possesses the nisaab amount but also has unsettled debts?

A: The principle of shari’at is that after evaluating one’s zakaatable assets one will deduct his liabilities and debts. If the remaining amount reaches the nisaab, zakaat will be fardh.


  1. Nisaab: R4, 000; Zakaatable assets: R10, 000; Liabilities: R8, 000; Balance: R2, 000 = Zakaat will not be fardh.
  2. Nisaab: R4, 000; Zakaatable assets: R10, 000; Liabilities: R5, 000; Balance: R5, 000 = Zakaat will be fardh.

فارغ عن دين له مطالب من جهة العباد (الدر المختار 2/260)

ومنها أن لا يكون عليه دين مطالب به من جهة العباد عندنا فإن كان فإنه يمنع وجوب الزكاة بقدره حالا كان أو مؤجلا (بدائع الصنائع 2/6)

ومن كان عليه دين يحيط بماله فلا زكاة عليه وإن كان ماله أكثر من الدين زكى الفاضل إذا بلغ نصابا (مختصر القدوري صـ 51)

Answered by:

Mufti Zakaria Makada

Checked & Approved:

Mufti Ebrahim Salejee (Isipingo Beach)


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