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

The speaker explains how to pay ZAGG for past years and how to calculate the amount paid. They suggest using bank statements and adding a factor for precautions. The speaker emphasizes the importance of using the cut and cut method to determine liability and liabilities, and recommends historical gold or silver prices to determine liabilities. They suggest removing certain figures and matching them with the current year to avoid over-earning.
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Bismillah AR Rahman AR Rahim. Today what I want to discuss with

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

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

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realization that they should have been paying zakat, but they

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

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

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

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

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

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

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

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

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

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

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

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what they represent is your approximate assets each year. Now

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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to 2925 something right 2925 something and then you work out

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

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

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year now is 73 pound 14

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

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

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1073 14. Now you add that

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to this figure, which was the total disregard liabilities,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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can just say

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

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

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

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

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

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

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

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What we're going to do is

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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you're going to have,

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

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

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

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

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that down. And then you just figure out the

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

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

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

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

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

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

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purify our wealth hamdulillah just a few additional notes on

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

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

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

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

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and on that particular day you can actually check historical gold

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prices. There are many calculators online to figure out historical

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

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

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

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look at maybe records their records to show how much inventory

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Edison iwakuma

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