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Investment Purification Calculator

Calculate the purification amount on your halal stocks and funds. Cleanse your investments from non-compliant income — for Muslim investors in USA, UK, and worldwide.

verified AAOIFI Standard public USA · UK · Global
info Purification (Tathir) is giving away the small % of income from non-compliant sources. It is NOT Zakat and does not count toward Zakat.
tune Step 1 — Choose Calculation Method
💵 Dividend Method Purify on dividends received using the fund's purification ratio
📈 Holding Value Method Purify on total investment value — for annual cleansing
library_books Step 2 — Select or Enter Fund

Quick Pick — Common Halal Funds

SPUS 8.24%
HLAL 5.21%
SPSK 4.58%
UMMA 6.35%
ISWD (UK) 4.93%
ISDE (UK) 3.85%
Click a fund above or enter your fund's ratio
attach_money Step 3 — Enter Amounts
Dividends received in the last 12 months
For annual holding-based purification
The Two Methods

How to Purify Your Investments

AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) sets the standard — two main methods are used.

Method Formula When to Use Best For
Dividend Method Dividends × Purification Ratio Monthly/Quarterly when dividends received Income investors
Holding Value Method Holding Value × Purification Ratio Annual cleansing (once per year) Growth investors
Understanding Purification

What Is Investment Purification?

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Why Purify?

Even Sharia-screened funds earn a small % from impermissible sources (interest, non-halal revenue). Purification removes that unlawful portion.

difference

Not the Same as Zakat

Purification is separate from Zakat. It goes to charity as Sadaqah, and does not reduce your Zakat obligation.

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What % to Use?

Each fund publishes its purification ratio (typically 3–10%). Check your fund's website or our quick-pick above.

Investment Questions

Frequently Asked Questions

Purification (Tathir) removes the unlawful portion of income from your investment. It is not Zakat — it's a separate obligation to give that money away as Sadaqah. Zakat is 2.5% on your total net wealth, calculated annually. Both must be fulfilled separately.
You can purify in two ways: (1) Immediately when you receive dividends, using the fund's purification ratio, or (2) Annually using the holding value method. Many investors purify annually for simplicity.
Check your fund provider's website — most Sharia-compliant funds (SPUS, HLAL, ISWD, etc.) publish their purification ratio monthly or quarterly. Our quick-pick list above shows common current ratios.
Purification should be given to the poor and needy as Sadaqah. It cannot be given as Zakat, and cannot benefit you or your family. It can go to any eligible charity or directly to needy individuals.
No. Purification is only on the non-compliant income actually received (dividends, realized gains). Unrealized gains don't need purification — but they ARE included in your Zakat calculation on total wealth.
The investment itself is still halal (it passed Sharia screening). But keeping the small non-compliant income without purifying means you retain unlawful wealth. Purifying it is obligatory for maintaining the investment's purity.
Yes — you can give your purification amount as Sadaqah to our foundation. 100% of it goes to eligible families in Bhara Kahu, Islamabad. Contact us to confirm your purification payment is tracked separately from Zakat.

Purify Your Wealth Today

Cleanse your investments with the correct purification amount. Support families in need with your Sadaqah.

Give Purification Retirement Zakat