Daily Record-Keeping (5 minutes per day)

Income Record:

Expense Record:

Free Tools:

• Google Sheets (free) — Simple income/expense tracker
• Microsoft Excel (if you have it)
• Physical notebook — Works just as well!

Monthly Financial Review:

At the end of each month:

1. Add up all income
2. Add up all expenses
3. Calculate profit (income – expenses)
4. Compare to last month
5. Set target for next month

When to Pay Zakat on Business:

• When business assets reach Nisab threshold
• After one full Islamic lunar year (Hawl)
• 2.5% on business inventory + cash
• Consult your local scholar for specific rulings

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