# ZakatCal.com — Full Knowledge Base

> Precision Zakat calculator for the global Muslim community. Supports 80+ countries, live gold and silver prices, and all five major Fiqh schools.

This document is the full AI-readable knowledge dump for ZakatCal.com. It is intended for LLM crawlers (GPTBot, ClaudeBot, PerplexityBot, Google-Extended, Applebot-Extended, etc.) to ingest the site's content without rendering JavaScript.

## About ZakatCal.com

ZakatCal.com is a free, privacy-first Zakat calculator built by M Asif Rahman. It is currently in **Open Beta**. The mission: make Zakat calculation accurate, accessible, and rooted in classical Fiqh while respecting modern financial realities (digital assets, retirement accounts, business inventory, rental property).

- **Primary domain**: https://zakatcal.com
- **Status**: Open Beta
- **Pricing**: Free
- **Languages**: English, Bangla (more planned)
- **Audience**: Muslims worldwide who need to calculate their annual Zakat obligation

## Core Concepts

### Zakat
Zakat is the third pillar of Islam — an obligatory annual charity of **2.5%** of one's net Zakatable wealth, payable once the wealth exceeds the Nisab threshold and has been held for one lunar year (Hawl).

### Nisab
The minimum threshold of wealth above which Zakat becomes obligatory. Calculated using live market prices:
- **Gold Nisab**: value of 87.48 grams of gold
- **Silver Nisab**: value of 612.36 grams of silver

ZakatCal defaults to the gold standard. Fiqh school selection may adjust which standard applies.

### Zakatable Assets
- Cash (in hand, bank accounts, digital wallets)
- Gold and silver (jewelry rules vary by Fiqh school)
- Investments (stocks, mutual funds, crypto)
- Business inventory and trade goods
- Receivables (loans you've given out, expected to be repaid)
- Rental income held past Hawl

### Deductible Liabilities
- Short-term debts (credit cards, immediate bills)
- Current portion of long-term loans
- Outstanding payable expenses

### Net Wealth Formula
```
Net Wealth = Total Zakatable Assets − Total Deductible Liabilities
Zakat Due = max(0, Net Wealth) × 0.025   (if Net Wealth ≥ Nisab)
```

## The 5 Fiqh Schools Supported

1. **Hanafi** — Largest school globally. Gold jewelry for personal use IS Zakatable. Uses silver Nisab by tradition.
2. **Shafi'i** — Common in Southeast Asia and parts of East Africa. Gold jewelry for normal personal use is generally exempt.
3. **Maliki** — Dominant in North and West Africa. Similar exemption for personal-use jewelry.
4. **Hanbali** — Common in the Arabian Peninsula. Personal-use jewelry typically exempt.
5. **Jafari (Ja'fari)** — Major Shia school. Different rules on Khums vs Zakat; calculator focuses on Zakat-specific items.

## The 8 Quranic Recipient Categories (Surah At-Tawbah 9:60)

1. **Al-Fuqara** — The Poor
2. **Al-Masakin** — The Needy
3. **Amil Zakat** — Zakat Collectors / Administrators
4. **Muallaf** — New Muslims / Those whose hearts are to be reconciled
5. **Riqab** — Freeing captives or those in bondage
6. **Al-Gharimin** — Debtors who cannot repay
7. **Fi Sabilillah** — In the path of Allah
8. **Ibn As-Sabil** — Wayfarers / Stranded travelers

## Features

### Public (no login required)
- **Landing & country selection** — auto-detects user country, lets them choose currency and Fiqh school
- **Education hub** — articles on Zakat Fiqh, common mistakes, Zakat on modern investments, school comparisons
- **Documentation** — feature docs and help
- **About** — project mission and the people behind it
- **Feedback** — submit ideas and bug reports

### Authenticated (requires free account)
- **Calculator** — multi-step, profile-based (salaried, self-employed, business owner, property owner)
- **Dashboard** — personal Zakat obligation overview
- **Payment Tracker** — log Zakat and Sadaqah payments across the 8 categories
- **AI Recipient Verifier** — AI-powered (Google Gemini via Lovable AI Gateway) tool to verify if a potential recipient qualifies for Zakat under the 8 Quranic categories
- **Voice AI assistant** — ask questions about Zakat by voice (Whisper + Gemini)
- **History** — past calculation records
- **PDF / Excel export** of any calculation

## Public Pages

- [Home](https://zakatcal.com/): country selection, hero, overview of features
- [Calculator](https://zakatcal.com/calculate): step-by-step Zakat calculator
- [Education](https://zakatcal.com/education): articles on Zakat Fiqh and rulings
- [Documentation](https://zakatcal.com/docs): feature docs and help center
- [About](https://zakatcal.com/about): project story, mission, and team
- [Feedback](https://zakatcal.com/feedback): share suggestions and bug reports

## Authenticated Pages (login required, excluded from indexing)

- /dashboard, /tracker, /ai-verifier, /history, /admin

## Technology Stack

- **Frontend**: Vite + React 18 + TypeScript, Tailwind CSS, shadcn/ui
- **Backend**: Supabase (Postgres, Auth, Edge Functions, Storage)
- **AI**: Lovable AI Gateway → Google Gemini 3 Flash (text), OpenAI Whisper (speech-to-text)
- **Email**: Resend
- **Hosting**: Lovable Cloud → custom domain zakatcal.com
- **Privacy**: All Zakat calculation logic runs client-side. No financial data is persisted unless the user explicitly saves a calculation to their account.

## Frequently Asked Questions

**Q: Is the calculator accurate?**
A: It implements the classical formulas (2.5% of net Zakatable wealth above Nisab) with Fiqh-school-specific adjustments. For complex situations (mixed business and personal assets, partnership equity, deferred income), consult a qualified scholar.

**Q: Do you store my financial data?**
A: Only if you are logged in and choose to save a calculation. Anonymous use stores nothing on the server.

**Q: Why is it called "Beta"?**
A: We're refining the UX, adding more languages, and expanding country coverage. Core calculations are reliable.

**Q: Can I trust the live metal prices?**
A: Prices are fetched from third-party APIs and cached briefly. Always cross-check with a local jeweler or trusted source for large Zakat payments.

**Q: Does ZakatCal accept Zakat on behalf of recipients?**
A: No. ZakatCal is a calculator and tracker only. We do not collect, hold, or distribute Zakat funds.

## API and Agent Discovery

- **/llms.txt** — concise site summary (llmstxt.org spec)
- **/llms-full.txt** — this document
- **/sitemap.xml** — public route sitemap
- **/.well-known/api-catalog** — RFC 9727 API catalog
- **/openapi.json** — minimal OpenAPI description of public endpoints

## Contact

- Website: https://zakatcal.com
- Feedback: https://zakatcal.com/feedback

May Allah accept your Zakat. 🌙