Fatwa

Zakaat if a person is in debt

Fatwa #2303 Category: Zakaat & Sadaqah Country: Zambia Date: 11th March 2026
Fatwa #2303 Date: 11th March 2026
Category: Zakaat & Sadaqah
Country: Zambia

Question

Does a person have to give zakat on money he owes to someone?

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

The calculation of Zakaat at ones Zakaat anniversary date is as follows:

Zakatable assets less liabilities = Nisaab amount or higher, then Zakaat is due.

If, Zakatable assets less liabilities = Less than Nisaab amount, no Zakaat is due.

The debts a person owes to others will form part of his liabilities.

And Allah Ta’āla Knows Best

Mufti Bilal Pandor

Concurred by
Mufti Muhammad Patel

Darul Iftaa Mahmudiyyah
Lusaka, Zambia

www.daruliftaazambia.com