Frequently Asked Questions
What assets does Rafiq support?
Cash and savings, gold and silver, stocks, ETFs, and mutual funds, retirement accounts (401k, IRA, Roth IRA), RSUs and stock options, ESPP shares, cryptocurrency, rental income, and business inventory.
Which madhabs does Rafiq support?
All five major schools of Islamic jurisprudence: Hanafi, Shafi'i, Maliki, Hanbali, and Ja'fari. Each madhab has different rules for which assets are zakatable, how debts are deducted, whether jewelry counts, and what nisab threshold applies. Rafiq applies the rules of the school you follow.
Does Rafiq calculate khums?
Yes. Rafiq supports both zakat and khums in a single workflow. Khums (20% of annual surplus income) is calculated with proper Sahm al-Imam and Sahm al-Sadat splits according to Ja'fari jurisprudence.
How accurate are the calculations?
Rafiq's rules engine follows each madhab's published positions and is checked by automated tests. We haven't measured its accuracy against an independent test set, and it hasn't yet been reviewed by a Shariah board. Where scholars differ on a rule, such as retirement accounts or debt deductions, Rafiq says so and suggests consulting a scholar.
Can I see how my zakat was calculated?
Yes. Your zakat breakdown shows the madhab rules applied and the nisab threshold used, based on live gold and silver prices. In the Rafiq app, Ask Rafiq answers list their sources when they draw on Rafiq's reference material.
Is my financial data secure?
Rafiq uses encryption in transit and at rest, follows least-privilege access principles, and does not sell or share your financial data. We process donations through verified partners so Rafiq never custodies your funds.
How much does Rafiq cost?
Rafiq is free during the launch period. Premium features — including full audit trail, multi-year records, and advanced edge-case handling — will be available via a monthly subscription. Pricing details will be announced before Ramadan.
When does Rafiq launch?
Ramadan 2026. Join the waitlist to get early access and launch updates.
Is Rafiq a replacement for consulting a scholar?
No. Rafiq is a calculation and tracking tool that helps you understand your obligations, and it hasn't yet been reviewed by a Shariah board. For complex personal situations or questions of scholarly interpretation, we always recommend consulting a qualified Islamic scholar. Where scholars differ on a rule, Rafiq tells you to do exactly that.
What makes Rafiq different from other zakat calculators?
Three things. First, we support all 5 madhabs across modern assets that other calculators ignore — RSUs, crypto, ESPP, retirement accounts under each school. Second, we show our work: your zakat breakdown lists the madhab rules and nisab threshold behind the number. Third, we support both zakat and khums, and provide a full calculate-explain-give-track workflow — not just a number.