 If the owner had enough money to satisfy the nisab at the beginning of the year, but his wealth in any form increased, the owner needs to add the increase to the nisab amount owned at the beginning of the year, then pay Zakat, 2.5%, of the total at the end of the lunar year.There are minor differences between fiqh school on how this is to be calculated.Each Muslim calculates his or her own Zakat individually.