🌙 天课（Zakat）计算器Zakat Calculator
汇总现金、黄金、白银、投资、应收款和商品存货，减去即将到期的债务，与按黄金 85 克或白银 595 克计算的门槛（Nisab）比较；达到门槛并持有满一个伊斯兰历年时，按 2.5% 计算应缴天课。Add up cash, gold, silver, investments, money owed to you and business stock, subtract debts now due, and compare with the nisab threshold of 85 g of gold or 595 g of silver. If you're at or above it for a full lunar year, zakat is 2.5%.
使用说明与常见问题How-to & FAQ
「天课（Zakat）计算器」是什么？What is the Zakat Calculator tool?
汇总现金、黄金、白银、投资、应收款和商品存货，减去即将到期的债务，与按黄金 85 克或白银 595 克计算的门槛（Nisab）比较；达到门槛并持有满一个伊斯兰历年时，按 2.5% 计算应缴天课。Add up cash, gold, silver, investments, money owed to you and business stock, subtract debts now due, and compare with the nisab threshold of 85 g of gold or 595 g of silver. If you're at or above it for a full lunar year, zakat is 2.5%.
如何使用「天课（Zakat）计算器」？How do I use the Zakat Calculator tool?
在「天课（Zakat）计算器」中，填写「门槛（Nisab）标准」、「金价（每克）」、「银价（每克）」、「现金和存款」、「黄金价值」等参数，结果会随输入实时计算并显示在下方。In the Zakat Calculator: Fill in "Nisab basis", "Gold price per gram", "Silver price per gram", "Cash and bank balances", "Value of gold"; results are recalculated instantly as you type.
天课怎么计算？How is zakat calculated?
把现金、金银、投资、预计可收回的应收款和商品存货相加，减去即将到期的债务，得到可计天课的净资产。如果它不低于门槛（Nisab）并已持有满一个伊斯兰历年（约 354 天），应缴 2.5%，即净资产 ÷ 40。Add cash, gold and silver, investments, money owed to you that you expect back, and business stock, then subtract debts now due. If this net wealth is at or above the nisab and has been held for a full lunar year (about 354 days), 2.5% is due — net wealth ÷ 40.
门槛（Nisab）用黄金还是白银？Should the nisab use gold or silver?
传统标准是黄金 85 克或白银 595 克的价值。按白银计算门槛低得多，更多人需要缴纳，许多学者认为对穷人更有利；按黄金则门槛更高。请按你所遵循的学者意见选择，并填写当日价格。The traditional thresholds are the value of 85 g of gold or 595 g of silver. The silver nisab is much lower, so more people pay, and many scholars consider it better for the poor; the gold nisab is higher. Choose according to the scholarly opinion you follow and enter today's price.
自住房和汽车要算吗？Do my home and car count?
一般不算。自用的住房、汽车、家具和衣物通常不计天课；用于出售的房产或商品则计入。个人首饰是否计入各学派有不同看法。Generally not. Your own home, car, furniture and clothes are normally exempt, while property or goods held for sale count. Schools differ on personal jewellery.
计算结果可以作为最终依据吗？Can I rely on the result?
「天课（Zakat）计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Zakat Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「天课（Zakat）计算器」免费吗？需要注册吗？Is the Zakat Calculator free? Do I need an account?
「天课（Zakat）计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Zakat Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.