Who Must Pay Zakat?

Identify who owns the wealth and whether it is accessible, established, and included under the methodology being followed.

Then consider whether the relevant net amount reaches Nisab and whether Hawl applies to that asset category.

Nisab is a threshold, not a universal fixed currency amount. A monetary threshold depends on the selected metal basis and an applicable price.

Hawl commonly refers to a lunar-year holding period, but its application can vary by asset and circumstance.

Useful records include account balances, ownership notes, metal weights and prices, investment values, receivables, business assets, liabilities, and the valuation date.

Separating facts from interpretive choices makes a later review clearer.

• Do not silently choose a Nisab basis for another person.
• Minority, incapacity, shared ownership, and inaccessible wealth may require individual guidance.