The methodology, plainly.
Nisab threshold
Default $7,000 (~85 grams of gold at recent prices). Adjust above if you prefer silver-nisab (lower threshold) or a different valuation.
Rate
2.5% on zakatable wealth that exceeds the nisab and has been held for one lunar year (hawl). The calculator computes the year-end snapshot.
Zakatable assets
Cash, bank balances, gold, silver, stocks (zakatable portion), accessible retirement, business inventory and receivables, investment real estate equity, crypto.
Excluded
Primary residence. Daily-driver vehicle. Personal-use household items. Locked retirement (zakat applies when accessible).
Debts
Debts due within the year are subtracted from zakatable wealth before applying the rate.
Stocks zakatable portion
For trading positions: full value. For long-term equity in operating companies: a fraction reflecting the company's net liquid assets per share. Mufti review on this methodology lands when corpus content covers stock zakat.
This methodology is editorial. A Mufti Saad signed methodology block replaces this when corpus content covers zakat computation. We do not invent his approval; the math here is the standard convention used across mainstream Islamic finance institutions.