Abdur Rahman ibn Yusuf Mangera – Simplified Zakat Guidance How to Pay on Missed Years

Bismillah AR Rahman AR Rahim. Today what I want to discuss with

all of these numbers is basically zakat. On previous years, there's

a lot of people that contact saying that. Now they've had a

realization that they should have been paying zakat, but they

haven't paid Sukkot for the last 510 15, even 20 years. So how does

one go about paying zakat for the past years. So I'm going to show

you two ways. One is the kind of proper way where you're going to

get your accurate figure, and how to then calculate that just using

12345 years, right. And hopefully, if somebody is savvy with Excel

sheets, they can build a formula in to be able to help with this as

well if they want to otherwise get somebody to help you out with

this. But the simple way to do it is this, we're assuming here, that

it's to 2020. Now, and for the last 11234 years, you haven't paid

the cut and use the cut for this year is due. So we're going to

work out five years of the cut here. So this these red figures,

what they represent is your approximate assets each year. Now

to be able to determine your assets for each year, you'd have

to go back to your bank statements, you'll have to just

try to work out from receipts etc. What your the countable assets for

each of those years were, that's going to be very difficult to do

generally, if you haven't kept good records, and most people

don't necessarily keep records like that. But what I would

suggest you do is that you do your best. And then you add a bit more

for precaution. Right. There's somebody actually called me today

and said that I don't want to work out the exact details. I don't

mind paying more, right? I said absolutely, it's completely

allowed to pay more, because one of the excess you pay the Zakat

amount from that will be counted as a record the excess amount will

be considered as sadaqa as voluntary charity. So you're not

harming actually benefiting by giving more to the poor. Right. So

as a precaution, you can always count a bit more you don't have to

get it down to it should just not be less than what it was. So

anyway, we've assumed that we had in 2016 had assets of 1000 pounds.

So this was like maybe a student, right, whose started finished job

started working. So now on this record, they were left with 1000

in 2017. And the first of Ramadan, if that's there's the current

date, it was 2030 or 3000. The fourth year was also 3000. And

then in 2020, this year, he's only got 2000 pounds, right on the same

anniversary reach, right. So the way you will do it is that you

will go back to the first year. And then you will figure out what

the Zakat is for that year. So it's 2.5% 2.5% of 1000 pounds. His

zakat liability is 25 pounds. But as you know, he hasn't given that

he or she hasn't paid that yet. But that is due from the 1000

pounds. That means 975 There were his or hers and 25 pounds was was

a cut. So that's already called out right that's already that's

already due for the cut. Now in the next year, the way you look at

it is that you've got 2000 pounds is your assets on that day, right?

That's your savings, your assets. Now, because out of the 2000

pound, You already owe 25 pound which is not being given us the

cut, you don't have to record that. So you minus the 25 from

2000 pounds, you're going to be left with 1975. So then you

calculate the 2.5% zakat on 1975. Not on 2000. Because out of 2025

is already for that got the entire amount is AKA, you don't have to

count 2.5% of that because that is 2.5% of the last years ago. So

that means you will pay this should be 49. The user guide

liability for the second year will be 49 pounds 49 pounds, 3738

Pence, right, you have to then add these two figures up. So you add

sorry, you add these two figures up. So last year's liability The

first year was 25 pounds second years was 49 pounds 37 or 38.

Right? That's nearly double of that because it's 2000 pounds. So

now it's about 74 375 That is the amount that is no do as a record

for you for two years. So, what you do is in your third year, you

find out your balance your balance was 3000 you now minus this

figure, the total figure of the two years 7437 That comes to

to 2925 something right 2925 something and then you work out

2.5% of that because that is your socketable amount after taking out

the ziggu figure you will be left your second liability for this

year now is 73 pound 14

Right 73 pound 14 Because as you can see your your money is

increasing at 1000 2000 3000 and the average is about 25 pound for

1073 14. Now you add that

to this figure, which was the total disregard liabilities,

you'll get 147 875 because that's basically does that God liability

so far for three years now 2019 Check my assets, I have 3000

pounds. So from 3000 There's already an amount which I should

already be taking out, which is 147 875 That's not the category

because that is that anyway, so I get left with 2852.

Right, and somehow got these wrong 2852 Something, now I need to work

out 2.5% of that, that 7130 I then I put that along with this regard

I need to pay. So I add 7130 with 140 787 vote, I get to 19 178

around that, around that one, seven, right. Just say forget that

290 Now, this year, I checked in Ramadan, I had 2000 pounds. But I

already owe money from this I already owe my zakat, which is 219

pounds from last year's. So I minus that I get one 780 point 82.

Right. It's because of the fractions is a bit messed up. But

one 780 is what I is the amount that I have to pay zakat on. My

liability is 44 pound 52 on 1780. So that's my zakat liability on my

retained net income minus the Zakat of this year 4482 52. So I

know join those two together, right, because that's from the

previous years. That's the sum total of the previous years. And

this is this years, and I get 2263 pounds 69 Just say 263 pounds, you

can just say

70, right is how much I owe. Now, for the five years based on my

income or my assets every year, my return assets every year, that's

263 pounds 70. Now you're going to be saying that's just too much to

work out. Right. And I completely agree with you, especially illegal

1520 years. That's why I'm going to give you an easier way to do

it. Right, in which you'll end up paying a bit more, right, but it's

probably worth saving the hassle. So let's do it this way.

What we're going to do is

we're going to forget these figures, we get rid of this.

And we'll just match it with this 1000 pounder, Zeca tube, we're

just going to look. So the way we're going to do this to make it

easier, is we're just going to look at liabilities of each year.

And we're not going to minus liabilities of the previous years,

right? You can choose to do it this way. So from 1000 pounds, you

say God liability of 2.5% is 25 pounds. On 2000 pounds for 2017.

Your liability is 50 pounds, that's 2.5%. And 2018 3000 pounds

was your asset. So here's the card liability is how much 75 pounds

2019 is the same 75 pounds 2.5%. And then in 2020, it was 50

pounds. And then what you do is you just total that up. How much

are you going to get from there? Right? The simple equation, it's

going to be 275 pounds, right? 275 pounds, what is the difference

between this and this? Right? What is the difference? It's about

12 pounds or something like that? Is it worth hassling for right to

do it, especially if you've got many years, and then you're not

going to have round figures. These are just an example, you know,

you're going to have,

you know, smaller figures. So to work, all of that is going to be

quite complicated. That's why simply just forget all of this

part. And just go by this just first figure out every year's

assets, what you possess minus what you owed, and then you write

that down. And then you just figure out the

You just figured out the Zakat liability on each of those, right,

that's the Zakat liability in each of those. And then you just total

it up to get the amount that's going to be slightly, slightly

higher than you're supposed to be paying. But again, as I mentioned,

there's absolutely no harm, there's actually a benefit in

paying extra anyway, right? The more goes to the poor, the more we

purify our wealth hamdulillah just a few additional notes on

determining your assets. So if you've got cash, you can easily

it's in the bank, you can easily look if you've got some other

records that you keep, you can easily try to figure out like

that. If it's on jewelry, then the simple way to do that is you go

and on that particular day you can actually check historical gold

prices. There are many calculators online to figure out historical

gold or silver prices. So you can figure out those prices for that

right for each of those years. And then you can add that to whatever

cash or savings you thought you had, or any other business

assets, if it's a business company that hasn't paid, then they can

look at maybe records their records to show how much inventory

they had. of, for example, if it's a car salesman, right, who's

buying and selling cars for business, then obviously for that

person, the entire value of the car is the is the current level.

So they would have to figure out to the best of their ability at 25

cars, it was these cars, I mean, they'll have some records or

something. If they don't, they'll have to just try to make the best

estimate they they can to figure out what assets they held in that

year to come up with these numbers first, then they build as a

gardener. As I said, giving a bit more is always recommended.

There's nothing wrong with that. So you don't have to fuss too much

over you know, how much did I haven't tried to reduce it to that

level. just increase it a bit, give it as a precaution. And may

Allah accept from us so hopefully that explains it. And again,

somebody could make a spreadsheet if they want to otherwise just do

it this way. This is the easiest way to do it. Just like a log

Edison iwakuma