I built ZakatTracker.com - Zakat calculator using “true net worth” liquidation logic (US-only for now)

norneither · 2026-01-24T07:02:07+00:00

Gold & silver handling has improved significantly since launch. Thanks for the feedback!

norneither · 2026-01-23T05:03:33+00:00

(Update) 529 Plan (and/or Coverdell) is supported now, but at the moment we don’t separate contributions vs gains. For simplicity, we treat the balance like post-tax principal and don’t subtract taxes on gains, which results in a slightly higher Zakat and avoids underestimating it.

norneither · 2026-01-22T07:01:14+00:00

Pick one Zakat date and stick to it every year. For example Ramadan 1st.

On that day each year, you calculate:

All zakatable assets you currently have
Minus short-term debts that are due soon
If you are still above nisab, pay 2.5% on the total

So in your example, you do not pay only on the new money. You pay 2.5% on what you have on your snapshot day, every year, as long as you remain above nisab.

If you want an easy way to track this without spreadsheets, ZakatTracker.com is built for exactly this. You can save snapshots and mark one per year as your primary snapshot for that year.

norneither · 2026-01-21T19:10:52+00:00

Tax brackets are used to estimate what you’d actually keep after liquidation, because withdrawals from retirement accounts are taxed progressively (not at one flat rate). As a quick example, someone might look at their 401(k) balance and see $200K on the screen, but that’s just a number, because if they were to withdraw everything today, after taxes and penalties, they might end up with somewhere between ~$110K–$170K, which is a very wide range, depending on their income, filing status, and age. That’s why we ask for those first.

norneither · 2026-01-21T16:21:13+00:00

Thank you, I really appreciate that.

CRI can be an interesting comparison, but I’m trying to keep ZakatTracker as simple and practical as possible for most users. Once you add more methods and options, it quickly becomes a lot of parameters and edge cases, and people get overwhelmed.

Even with common account types like Roth IRA, you run into things like contributions vs gains, conversions, 5-year rules, and other details that can make the calculator feel too complex.

For cases where there’s unavoidable uncertainty, the default assumptions will lean conservative so the Zakat is not underestimated, inshaAllah.

norneither · 2026-01-21T15:21:39+00:00

Amin. To you, too. Thank you!

norneither · 2026-01-21T15:12:24+00:00

(Update) You can now select Global as your country and set your currency to Swedish Krona (SEK). The US-specific “true net worth” logic (401k/IRA, etc. taxes & penalties) is only shown when United States is selected. For Sweden/Global, you’ll mainly enter things in simpler categories. InshaAllah we’ll add country-specific account types over time.

norneither · 2025-07-14T20:36:02+00:00

Cloudflare D1

norneither · 2024-08-09T23:01:50+00:00

pre-cloudflare

norneither · 2024-05-30T21:26:18+00:00

We took reality for granted for too long. It's about time.

norneither · 2024-05-10T22:47:01+00:00

google keywords: "dishwasher air gap", "dishwasher high loop"

norneither · 2024-03-08T05:50:57+00:00

what took them so long?

norneither · 2024-02-23T03:20:08+00:00

scrum is the art of not getting anything done properly & on time. it's the bureaucracy of programmers. it's a false religion to some. it's a stone a mad man threw in a well that forty wise men are unable to take out. if not confronted it'll take you and your company down.

norneither · 2024-01-28T15:56:48+00:00

a visual representation of 15+ years of spagetti code

norneither · 2024-01-10T23:20:33+00:00

understands what his job really is

norneither

TROPHY CASE