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2025 Moroccan nisab highlights

Silver remains the official benchmark in Morocco. As of November 2025 the nisab equals MAD 7,438 (595g of silver). We refresh the value monthly, keep the zakat rate at 2.5%, and cross-check figures with Bank Al-Maghrib and the Ministry of Awqaf.

Weekly Moroccan update

Average silver price during the first week of November 2025 stands at MAD 12.51 per gram, bringing the 595g nisab to MAD 7,438.

  • Updated every Friday evening after market close
  • Primary sources: Ministry of Awqaf bulletins + Bank Al-Maghrib data

2.5% due on eligible savings

Once your balance stays above the nisab for a lunar year, zakat equals 2.5% of the final amount. Example: MAD 12,000 savings ⇒ MAD 300 zakat.

  • Include salaries, bonuses, and gifts that remain saved
  • Exclude necessary expenses and short-term liabilities

Foreign-currency savers

Convert your balance into MAD on the payout day using the official exchange rate, then apply the 2.5% rate or the helper calculator below.

  • Use the central-bank or official banking rate
  • Log the conversion time for transparent auditing
Key reminder: Silver is favoured so middle-income households do not miss zakat. Switching to gold (≈ MAD 101k) dramatically reduces coverage and contradicts maroc zakat’s social mission.

How 2025 differs from 2024

Silver softened late 2024 (MAD 11.92/g) but recovered to MAD 12.51/g by November 2025, lifting the nisab by roughly 5%. If you deferred payment from 2024 into 2025, recalculate using the latest value to stay compliant.

Month2024 Nisab (MAD)2025 Nisab (MAD)Insight
January7,0207,312Industrial demand uptick
April7,0657,366Prep for Ramadan distribution
August7,1187,402Energy-market swings
November7,0807,438Current national reference

If your savings crossed the nisab during 2024 but you’re paying in 2025, adopt the latest figure to protect recipients’ rights.

Core principles we follow

A Maliki-focused summary tuned to Morocco’s economic realities.

Official nisab

We rely on 595g of silver (≈ MAD 7,438) to keep zakat flowing across middle-income earners.

High Council directive

What is zakatable

Zakat targets net savings after essential needs. It covers idle cash, bank balances, and quick assets that stayed above the nisab for a lunar year.

Maliki jurisprudence

Hijri calendar first

Track the lunar year from the month the nisab was reached. You may pre-pay during blessed seasons but still document the original due date.

Modern facilitation

Maghreb context

Families working across Morocco, Algeria, and Tunisia can align zakat planning with national bulletins and regulatory expectations.

Morocco

Nisab 2025: MAD 7,438. Review Awqaf bulletins monthly so maroc zakat entries reflect the latest guidance.

  • Reference memo: High Council (Muharram 1447 AH)
  • Documentation is recommended though not mandatory
  • Prefer licensed charities or traceable bank transfers

Algeria

Nisab 2025: DZD 705,000 (Oct 2025 decree). Ideal for diaspora workers balancing portfolios in dinars and dirhams.

  • Use the official exchange rate for cross-border giving
  • e-Declaration is optional for individuals
  • Notify licensed charities before international transfers

Tunisia

Nisab 2025: TND 12,500 (Dār al-Iftā, Dhu al-Qi'dah 1446 AH). Convert to dirhams only at payout.

  • Monitor Central Bank FX releases
  • Corporate zakat has additional bookkeeping rules
  • Anti-money-laundering controls apply to foreign remittances
Tip: fix a single zakat anniversary even if savings are in multiple currencies. Convert everything to MAD on that date, log the rate, and keep the receipt.

Two illustrative scenarios

Salary earner netting MAD 7,000 per month. Use them as templates before plugging your own numbers into the calculator.

Saving MAD 1,000/month

Reference case
Balance after 12 months
MAD 12,000
Nisab reached?
Yes (above MAD 7,438)
Zakat due
MAD 300
Recommended payout
Upon lunar year (Muharram) or earlier in Ramadan

Pick a fixed Hijri date (e.g., Ramadan 10). Re-check balances before paying to confirm the nisab still holds.

Saving MAD 500/month

Lower surplus
Balance after 12 months
MAD 6,000
Nisab reached?
Not yet
Zakat due
None until the nisab is reached
Next step
Increase savings or reduce expenses to cross the threshold

Track balances monthly so you know exactly when the nisab is hit. No zakat before that point.

Quick zakat calculator

Compare your monthly surplus with the current nisab to estimate annual zakat. This tool is indicative—double-check before you pay.

Nisab reached
Estimated monthly savings
MAD 1,000.00
Projected 12-month balance
MAD 12,000.00
Zakat due (2.5%)
MAD 300.00
Recommendation
Set aside 2.5% on your zakat anniversary. Early payment in Ramadan or Dhul-Hijjah remains valid.

* Estimates only. Base your payment on the actual balance on zakat day and consult a scholar for special cases.

Why the 2.5% rate still works

The 2.5% (one quarter of one tenth) rate dates back to Prophetic practice and retains economic logic in 2025.

Grounded in the Sunnah

The hadith “A quarter of a tenth is due on silver” anchors modern rulings. Any cash-equivalent asset that behaves like silver inherits the same rate.

  • Applicable across Morocco, Algeria, and Tunisia
  • Permits early payout to address urgent needs
  • Productive capital without returns is temporarily exempt

Macro-friendly level

With inflation hovering around 2–3% in North Africa, 2.5% keeps a balance between protecting the needy and sustaining household savings.

  • Include bank deposits and dormant balances
  • Count distributed investment profits in the zakatable pool
  • Document your 2.5% calculation for audits

Foreign-currency helper

Before paying in dollars, euros, or pounds, convert the amount to MAD, compare it to the nisab, and then apply the 2.5% rate.

Steps

  1. Capture the balance in your foreign currency.
  2. Multiply by the official exchange rate on payout day.
  3. Check if the MAD total exceeds the current nisab.
  4. If yes, zakat equals MAD total × 0.025.

Example: USD 2,000 × 10.12 = MAD 20,240 ⇒ zakat ≈ MAD 506.

Reference table

CurrencyRateNisab equivalentZakat 2.5%
US Dollar10.12 MADUSD 735USD 18.4 (≈ MAD 186)
Euro10.86 MADEUR 685EUR 17.1 (≈ MAD 186)
Pound Sterling12.54 MADGBP 593GBP 14.8 (≈ MAD 186)

Indicative values only. Always lock the same-day rate and keep the proof (screenshot, bank receipt, or PDF quote).

Hijri productivity calendar

Plan saving, paying, and volunteering across the Hijri year. Highlighted months are peak giving windows in Morocco.

Muharram

Early payout for balances nearing the zakat anniversary.

Reference case anniversary

Safar

Support winter-readiness campaigns and vulnerable households.

Rabi' al-Awwal

Increase giving in honour of the Prophet ﷺ; audit your balances.

Rabi' al-Thani ⇢ Jumada

Cold season: focus on clothing drives and micro-debt relief.

Rajab

Sacred month—ideal for scheduled early zakat.

Sha'ban

Close the ledger and get ready for Ramadan disbursements.

Ramadan

Peak generosity. Prioritise zakat, iftar programs, and community solidarity.

Shawwal

Continue giving after Ramadan; settle missed commitments.

Dhul-Qa'dah

Reconcile balances before the zakat anniversary arrives.

Dhul-Hijjah

The first ten days magnify rewards. Ideal for zakat and major sadaqah.

Download the maroc zakat tracker

A lightweight CSV to monitor monthly net savings, see when you cross the nisab, and compute the final 2.5% in Excel, Numbers, or Google Sheets.

Download file

  • Structured columns: Month · Net salary · Essentials · Savings · Cumulative balance · Nisab status
  • Built-in formulas for monthly surplus and zakat owed
  • Automatic alert once the cumulative balance hits MAD 7,438
CSV formatLast updated Nov 2025
Download maroc-zakat-tracker.csv

In Google Sheets choose File → Import and create a new sheet. Share it with family members or financial controllers.

Keep the “silver price” and “nisab” cells fresh as new bulletins drop or if you manage FX savings.

Giving to relatives

Keep the Maliki distinction between obligatory support and zakat-compliant giving.

Not eligible

Parents, grandparents, children, and grandchildren already covered by mandatory maintenance.

Encouraged

Siblings, uncles, aunts, and wider kin who aren’t under your financial responsibility.

Prefer discretion

Private giving protects dignity unless public disclosure motivates others to give.

Silver vs gold

Why maroc zakat relies on silver and when a gold-based calculation still makes sense.

Gold

  • Gold nisab: 85g (≈ MAD 101,397)
  • Targets high-income portfolios
  • Skips zakat for most employees
  • Use as a personal hedge if inflation spikes

Silver

  • Silver nisab: 595g (≈ MAD 7,438)
  • Covers middle-income earners
  • Aligns with Maliki social objectives
  • Endorsed by the High Council of Ulamā

Recommendation: default to silver for societal reach. Choose gold only with scholarly approval and clear justification.

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Frequently asked questions

We track trending keywords in Arabic and English. Submit new requests on the collaboration page.

How do I calculate the Moroccan nisab for 2025?

Add up liquid savings, deduct urgent liabilities, and check if the balance exceeds MAD 7,438 for a lunar year. Multiply the final figure by 0.025.

What about Algeria and Tunisia?

Algeria: DZD 705,000 ⇒ zakat starts at DZD 17,625. Tunisia: TND 12,500 ⇒ zakat equals TND 312.5 when reached. Convert to MAD for unified planning.

Why is the rate fixed at 2.5%?

It’s rooted in the Sunnah and centuries of consensus. Economically it balances redistribution with capital preservation across North Africa.

Can I automate monthly zakat?

Yes. Set standing orders, label them “zakat”, and review once a year to align with the updated nisab.

Which apps should I try?

Zakat Maroc (official), Zakatify (multi-currency), and Mawkib (impact tracking). Ensure you can customise the nisab.

Trusted Moroccan charities?

Entraide Nationale, Association de Soutien aux Veuves, and Banque Alimentaire. Request receipts for compliance.

Where do I get weekly nisab updates?

Visit habous.gov.ma, subscribe to the newsletter, or follow @maroc_zakat for digest summaries.

Best digital tools for planning?

Combine the maroc zakat CSV, Google Sheets, and your banking app. Use conditional formatting to flag nisab thresholds.

Source material

We reference official Moroccan guidance and pan-Maghreb resources.