Pensions
Zakat al-maal on pensions
A newer question, so the views are set out side by side.
Zakat al-maal on pensions
Scholars differ, because you often cannot touch the money yet. In the UK most people can draw a private pension from 55, rising to 57 in 2028 (GOV.UK).
Paying in 2027? Zakat 2027 shows how UK Muslim charities compare on their public records.
Three views on pensions and zakat al-maal
| View | What it counts | The reasoning |
|---|---|---|
| Not until you can draw it | Nothing before access | Wealth must be fully yours for a year (Sunan Ibn Majah 1792) |
| What you could draw now | The cash value after tax and charges | Counted like money you can reach |
| The zakatable part | The share invested in zakatable assets | Like shares held in a fund |
Follow the view of the scholar you trust, and add what it counts to your other wealth.
Once you draw it
Lump sums
Saved, they join your savings at once.
Income
Pension income you save counts like any other savings.