Ramadan is a special time. The mosques are full. Our hearts feel soft. We pray, we fast, and we read the Quran. But there is another big part of this month. It is zakat during ramadan. This is a pillar of Islam. It is not just charity. It is a duty.

We all want to get the most out of these blessed days. We want our good deeds to count for more. That is why many Muslims choose this month to pay their Zakat. You might have questions. How do I calculate it? Who should I give it to? At the SPAR Project, we make it easy. We ensure your Zakat reaches the poorest families in Bangladesh. In this guide, we will explain everything. We will help you clean your wealth. We will help you earn huge rewards.

1. Why Pay Zakat Now?

You can pay Zakat at any time of the year. It becomes due once a year passes on your wealth. However, most people prefer to pay zakat during ramadan. Why?

It comes down to rewards. In this holy month, good deeds multiply.

• A voluntary deed earns the reward of a mandatory deed.
• A mandatory deed (like Zakat) earns seventy times its usual reward.

Think about that. If you owe $500, paying it now carries huge weight. It is a smart spiritual investment. It also helps you remember your due date every year.

2. What is Zakat?

Zakat is the Third Pillar of Islam. The word means “to purify” and “to grow.”

It is not a tax. It is not a favor to the poor. It is their right.

Allah tells us to share our blessings. If you own wealth above a certain limit, you must give 2.5% of it. This cleans the rest of your money. It removes greed from your heart. It brings blessing (Barakah) into your life. When you pay zakat during ramadan, you protect your wealth for the whole year.

3. The Rules of “Nisab”

Before you pay, you must know if you qualify. This limit is called the Nisab.

• Gold Standard: The value of 87.48 grams of gold.
• Silver Standard: The value of 612.36 grams of silver.

Check the price of gold or silver today. If your savings are worth more than this, you must pay Zakat. Most scholars say use the Silver Nisab. It is lower. This allows more people to pay. It means more poor people get help.

4. How to Calculate the Amount

Math can be scary. But Zakat math is simple. Follow these three steps.

Step 1: Count Your Assets

List everything you own that counts:

• Cash in hand and bank accounts.
• Gold and silver jewelry.
• Stocks and shares.
• Business goods for sale.
• Money people owe you.

Step 2: Subtract Your Debts

List what you owe right now:

• Credit card bills due now.
• Short-term loans.
• Rent or bills due this month.

Step 3: The Final Number

Take your Assets. Subtract your Debts.

If the number left is above the Nisab, multiply it by 2.5% (0.025).

This is what you must pay. We have a calculator on our website to help you.

5. Who Gets Your Money?

You cannot give Zakat to just anyone. The Quran lists eight groups of people.

The most important groups for us are:

1. The Poor (Fuqara): People with no money at all.
2. The Needy (Masakin): People who have some money but not enough to survive.

At SPAR Project, we focus on these families. We find the most vulnerable people in Bangladesh. We make sure your zakat during ramadan buys food and clothes for them.

6. Zakat vs. Fitrana

Do not mix these two up. They are different.

• Zakat: This is on your wealth (2.5%). You pay it if you are rich enough. It can be a large amount.
• Zakat al-Fitr (Fitrana): This is on your person. Every Muslim must pay this before Eid prayer. It is small (usually $5-$10 per person). It ensures the poor can celebrate Eid too.

You must pay both. One cleans your wealth. The other cleans your fast. You can pay both on our website.

7. What About Gold Jewelry?

People often ask this. “My wife has gold. Does she pay Zakat?”

To be safe, most scholars say yes. If the gold is an investment or a large amount, pay on it.

1. Weigh the gold.
2. Find the price per gram.
3. Calculate the total value.
4. Pay 2.5% of that value.

Paying Zakat on jewelry cleans it. It makes your wearing of it blessed.

8. Where Your Money Goes

Trust is key. You need to know your money works. We take this trust seriously.

We have a 100% Zakat Policy.

This means we do not use your Zakat for marketing. We do not use it for office rent. We use it only for the poor.

Your Zakat supports:

• Food Packs: Feeding families for a month.
• Orphans: Giving a child a home and school.
• Emergency Aid: Helping victims of floods.
• Medical Aid: Paying for surgeries.

When you give zakat during ramadan through us, you save lives.

9. Avoid These Mistakes

We want your Zakat to count. Avoid these common errors.

• Guessing: Do not guess the amount. Calculate it properly.
• Wrong People: You cannot give Zakat to your parents, children, or spouse. You must support them anyway.
• Giving Old Items: Zakat is usually money or food staples. Giving old clothes is Sadaqah, not Zakat.
• Delaying: If it is due, pay it. Do not wait.

10. Can I Pay Early?

Yes, you can.Maybe your Zakat is due in a different month. But you want the Ramadan rewards.

You can pay early.

1. Estimate your Zakat for the year.
2. Pay it now.
3. When your actual due date comes, check the math. If you owe more, pay the difference. If you paid too much, it counts as voluntary charity.

11. The Night of Power (Laylatul Qadr)

The last ten nights of Ramadan are special. They contain Laylatul Qadr. Worship on this night is better than 83 years of worship.

Imagine paying Zakat on this night.

It counts as if you paid Zakat every day for 83 years.

The Strategy:

Divide your Zakat.

• Calculate the total.
• Pay a small part every night for the last ten nights.
• This guarantees you hit the Night of Power.

12. Stocks and 401k

Do you own shares? Do you have a retirement fund? You must pay Zakat on them.

• Active Traders: Pay Zakat on the total market value.
• Long-Term Investors: Pay Zakat on the “zakatable assets” of the company (cash + receivables). A safe estimate is often 30% of the value.

This can be complex. Ask a scholar if you are unsure. But do not ignore these assets.

13. Why Choose SPAR Project?

We work directly with the poor. We are in the villages of Bangladesh. We know their names. We know their struggles.

• Transparency: We show you where the money goes.
• Low Costs: We keep our costs down.
• Shariah Compliant: We follow Islamic rules perfectly.

You want your zakat during Ramadan to be accepted. We help you fulfill that condition.

Final Thoughts: Purify Your Wealth Today

Ramadan moves fast. The days pass quickly. Do not wait until the end.Zakat is not a burden. It is a relief. It cleans your money. It helps a family that has nothing.Imagine a widow praying for you because your Zakat bought food for her kids. That prayer is priceless.Take a moment now. Calculate your assets. Make your payment.Let this Ramadan be the one where you make a real difference.

Click here to use our Zakat Calculator and donate now.