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Zakat Calculation

Compute zakat due on wealth: cash, gold, silver, business inventory, receivables, crypto and stocks, less deductible liabilities. Returns the nisab threshold under BOTH the gold (85g) and silver (595g) standards and flags when they disagree, since the choice changes who owes. Supports lunar (2.5%) and solar (2.577%) years. Deterministic — you supply metal prices, so you control the source. Educational calculation, not a fatwa.