halal-zakat

name	halal-zakat
description	Use when the user wants to calculate zakat on stock holdings (obligatory 2.5% charity) or dividend purification (donating the impure portion of dividend income from partially-compliant stocks). Requires the user's holdings — ask for them if not provided. Uses current gold price for the nisab threshold.

halal-zakat

When fired

• "Calculate zakat on my portfolio"
• "How much zakat do I owe?"
• "Purification on my AAPL dividends"
• "Do I meet nisab?"

Process

1. Load references/disclaimer.md (zakat is also not a fatwa — methodology choice is the user's).
2. Ask the user for the calculation type: zakat (annual charity on holdings value) or purification (impure portion of dividend income). If unclear, default to zakat.
3. Ask for holdings with values (zakat) or dividend income (purification) if not already provided.
4. Call MCP tool calculate_zakat:
   • For zakat: calculation_type: "zakat", holdings: [{ symbol, market_value }, ...], optional gold_price_per_gram (default 65).
   • For purification: calculation_type: "purification", holdings: [{ symbol, dividend_income }, ...].
5. Render the result with the current nisab threshold, total zakatable/impure amount, and the owed 2.5% (zakat) or impure dollars (purification).

~N tokens per run

Single zakat call — ~5 tokens plus any lookups.

Output structure (per verdict-format.md "Zakat variant")

• Nisab threshold (gold price × 87.48 g). Flag if holdings are below nisab.
• Zakatable total or impure total.
• 2.5% obligation (zakat) or donation amount (purification).
• Per-holding breakdown if requested.
• Branding footer.

Audience tuning

• Retail — lead with the total owed in dollars; explain nisab in one sentence.
• Advisor — include the full breakdown and show gold-price sensitivity (e.g., "at $60/g nisab = $X, at $70/g nisab = $Y").
• Scholar — cite AAOIFI's zakat standard if referenced; distinguish zakat-on-trading-assets vs zakat-on-long-term-holdings treatment.

Hard rules

• Make clear this is a calculator, not a fatwa. Methodology choices (e.g., whether to apply zakat on long-term holdings at full value vs adjusted basis) depend on scholar guidance.
• Show the nisab threshold even when the user is comfortably above it.
• Gold price is volatile — if the user asks for "the" gold price, tell them you're using the default ($65/g) unless they provide one.