Yeyote aliye na mali ambayo imefikia Nisabu na mwaka umepita juu yake, na pia ana deni linalofuta Nisabu au linalofanya mali iliyobaki baada ya kulipa deni kuwa pungufu ya Nisabu, hatolipa Zakat yoyote. Mfano wa hili ni mtu aliye na Dinari 1,000 na anadaiwa Dinari 1,000, au mtu aliye na Dinari 40 za dhahabu na ana deni la Dinari 30 za dhahabu; hakuna Zakat juu yake katika kesi hizi mbili kwa sababu hamiliki Nisabu. Kutoka kwa Nafi, kutoka kwa Ibn ‘Umar, aliyesema: Mtume wa Allah ﷺ alisema: “Mtu akiwa na Dirhamu 1,000 na ana deni la Dirhamu 1,000, basi hakuna Zakat juu yake.”

Whoever has wealth which has reached the Nisab and a year has passed over it, and also has a debt which engrosses the Nisab or renders the remaining wealth after repaying the debt, less than the Nisab, does not pay any Zakat. This is for example if one who possesses 1,000 Dinars and owes 1,000 Dinars, or one who possesses 40 gold Dinars and indebted by 30 gold Dinars, there is no Zakat upon him in these two cases as he does not own the Nisab. From Nafi from ibn ‘Umar who said: The Messenger of Allah (saw) said: “If a person has 1,000 Dirhams and is in debt of 1,000 Dirhams, then there is no Zakat upon him.”.

Wakati mali iliyobaki baada ya kulipa deni inafikia Nisabu, basi Zakatu inamlazimu kwa sababu ya yaliyopokewa kutoka kwa As-Saib bin Yazid aliyesema: Nilimsikia Uthman bin Affan akisema: "Huu ni mwezi wa Zakatu yenu. Mwenye deni na alipe, ili mtoe Zakatu ya mali yenu." Katika riwaya nyingine: "Mwenye deni na alilipe, kisha atoe Zakatu ya mali yake iliyobaki." Alisema haya mbele ya Maswahaba ambao hawakulikataa, hivyo likaonyesha kuwa ni makubaliano yao (Ijma').