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Zakaah on savings, wife’s zakaah

Fatwaa ID: 884

Is the zakat applicable on cash savings which I have held for over an year or there is no condition for one year. For example, if I had 5000$ on 1st day of Ramdan 2022 and 10,000$ on 1st Ramdan 2023, which value should I use to calculate zakaat.

  1. If the wife and husband both are earning, should both separately pay zakaat from their personal wages OR since the husband is responsible for bread and butter (نان نفقہ), the husband should take out the zakat money for his wife too from his savings.

In the Name of Allaah, the Most Gracious, the Most Merciful.
As-salaamu ‘alaykum wa-rahmatullaahi wa-barakaatuh.

  1. Zakaah is due on all zakaatable assets one possesses on one’s zakaah date provided that the total is above the nisaab. This will be applicable even if one possessed something for a single day. In the enquired example, you will pay zakaah on all $10,000.
  2. The zakaah of every individual is assessed separately. The husband is NOT responsible for his wife’s zakaah, irrespective of whether she is earning or not. She is responsible for her own zakaah in all conditions. It is important that she takes out her own zakaah so that she too understands the importance and value of this great ‘ibaadah. If the husband takes out zakaah for her, then it is somewhat meaningless to her. Zakaah is not just a payment. It has many benefits and wisdoms. One of the benefits of zakaah is to remove the greed and love for money. If the husband takes it out for her, she will never benefit in this aspect.

And Allaah Ta’aala knows best.
Mufti Muajul I. Chowdhury
Darul Iftaa New York

08/25/1444 AH – 03/17/2023 CE | AMG3-3533

وصل اللهم وسلم وبارك على سيدنا محمد وعلى ءاله وصحبه أجمعين


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