← Privacy & limits
CURRENT METHOD
Method & limitations
A plain-language description of what the current software calculates and where it stops.
Calculator review confirmed by MuslimFin
MuslimFin's director confirms that both calculators have been reviewed and approved. A calculation is not an individual fatwa or legal opinion; obtain professional verification before acting on a real case.
What the app provides
MuslimFin Calculators provides supported Islamic-inheritance scenarios and an educational Zakah estimate. It shows inputs and a calculation breakdown. Inheritance Results also contain a separate, optional South African estate-duty and executor-fee worksheet. The inheritance journey withholds heir allocations when the implemented rules cannot safely resolve a scenario.
A qualified Shariah adviser should verify the applicable religious treatment. A South African estate practitioner should verify ownership, claims, estate administration, tax, legal documents and any transfer.
Islamic-inheritance method
The journey begins with the deceased’s settled assets. The user enters assessed debts, funeral expenses, estate costs and a valid bequest to non-heirs, then records surviving family information.
The current shared engine covers supported spouse, child and parent scenarios and includes proportional awl adjustment where applicable. Displayed group amounts are apportioned to cents so they reconcile with the distributable estate.
Ruleset
2026-09-10
Core references
Qur’an 4:11, 4:12 and 4:176
Calculator review
Director-confirmed approved
The implementation was source-reconciled with the public website calculation bundle last modified 2026-09-17. Reconciliation and software tests are separate from MuslimFin's director-confirmed review.
When inheritance stops for review
No heir allocation is issued when the case includes, or may include:
Unsettled joint-estate, accrual or other ownership claims.
Grandparents or sibling combinations outside the verified supported boundary.
Grandchildren, pregnancy, missing or unlisted heirs.
Disputed eligibility, incomplete information or conflicting entries.
Bequests to heirs or an excessive or disputed bequest.
An unresolved remainder (radd) or another result that does not reconcile.
Optional South African tax and fee worksheet
The Results worksheet asks you to assess estate-duty property at the date of death separately from the Faraid asset total. You also enter assessed deemed property, ordinary section 4 deductions, property accruing to a spouse, qualifying public-benefit-organisation bequests and any unused spouse abatement. A surviving spouse alone does not establish a deduction or unused abatement. Blank fields mean “not assessed”, not zero. The R3.5 million basic abatement and any entered unused spouse amount are applied only after you confirm those inputs.
Assessed estate-duty property + deemed property − section 4 deductions − abatement = illustrative dutiable value
The worksheet estimates estate duty at 20% of the first R30 million of positive dutiable value and 25% of the excess. This is a scenario calculation, not a SARS assessment. Residence, ownership, deemed-property treatment, deduction eligibility and the unused spouse abatement need professional verification.
For the separate executor-fee illustration, you assess and enter the gross value of assets for the executor tariff; it is not copied from the Faraid assets or the estate-duty property figure. The prescribed tariff illustration uses 3.5% of that assessed asset base plus 6% of entered post-death income, with a R350 minimum. It is shown only after you confirm that tariff assumption and enter both amounts. VAT at 15% is added only if you select that the executor or relevant agent is VAT-registered; an unknown VAT status does not produce an inclusive total. The actual agreed or approved fee can differ.
The tax worksheet never changes the Faraid calculation or automatically deducts an estimated duty or fee from an heir’s share. Capital gains tax, actual Takaful cover and a liquidity shortfall are not calculated. This worksheet is not a legal or tax opinion; an estate practitioner and tax professional should verify a real estate before any filing or distribution.
Worksheet reference version 2026-09-25. Official sources (checked 25 September 2026): SARS estate duty and tax guide; the Department of Justice executor-remuneration regulations and Master’s FAQ; SARS VAT guidance. These links open external websites without attaching calculator entries.
Zakah method
Included assets − eligible liabilities − impermissible income already included = net assessed wealth
Net assessed wealth cannot be below zero. When the user confirms the lunar-year (hawl) condition and net assessed wealth reaches the selected nisab, the app estimates 2.5% of net assessed wealth.
If hawl is unknown, the app shows only a conditional estimate. If hawl is marked not yet met, a zero result reflects that selection and is not presented as a general exemption.
The user selects either 87.48 grams of fine gold or 612.36 grams of silver and enters the relevant per-gram prices, date and source. The app does not retrieve, endorse or independently verify a metal price.
Jewellery, investments, retirement arrangements, trusts, partnerships, farming, receivables and debts can depend on ownership, access, intention and scholarly interpretation. Harvest produce is held for separate ushr review rather than charged at the ordinary annual 2.5% rate.
Zakah ruleset
2026-09-10
Engine version
2026-09-10
Calculator review
Director-confirmed approved
One calculation source, separate releases
The standalone app and canonical website route consume the same versioned calculator package. A calculation-rule change must update the shared source, add or update regression fixtures, and pass cross-platform consistency checks.
A website release does not automatically update an installed iPhone or Android app. Native corrections still require a reviewed store update, and a material issue may require pausing the website or store rollout while that update is reviewed.
App version 0.1.0 · Inheritance ruleset 2026-09-10 · Zakah ruleset 2026-09-10
Before acting on a result
Check every entry and assumption. Do not use this app alone to prepare a will, decide tax, settle civil ownership, answer a disputed heir question, or transfer and distribute assets.