How do I calculate my annual zakat obligation if I have mixed assets?

This is where reason meets responsibility. Zakat asks you to look honestly at what you own—not just cash, but gold, silver, investments, business inventory. The principle is simple: 2.5% of wealth you've held for a lunar year above the nisab threshold, which is roughly the value of 87 grams of gold or 612 grams of silver. Start by listing everything: bank accounts, stocks, cryptocurrencies, real estate held for income, trade goods. Subtract debts you actually owe. What remains is your zakatable wealth. The calculation itself is arithmetic, but the practice is philosophical—you're acknowledging that excess wealth carries obligation. I've learned that many people avoid this clarity, but naming what you have is the first step toward dignified giving. If your assets are genuinely mixed—some liquid, some illiquid—calculate conservatively. You might use today's gold price as your reference point. Some scholars allow you to calculate on the lunar calendar, others the solar. Pick one method and stick with it. The mathematics matters less than the honesty behind it. What matters most is that you're taking this seriously.