How do you calculate various types of Zakat?

Zakat
	Savings	Shares	Gold	Business	CPF	Insurance (Endowment)
						Conventional	Takaful
Step 1	Find out the Nisab value click here
Step 2	Identify the lowest balance in the Hijrah year.	Identify the market value of the shares at the end of the Haul.	Identify the market value of the gold kept at the end of the Haul.	Identify the Working Capital (Current Asset less Current Liabilities) & adjustments at end year.	Identify the amount in the Ordinary Account at the end of the Haul.	Identify the surrender value at the end of the Haul.	Identify the premium paid at the end of the Haul.
Step 3	Your Zakat on Savings is: lowest balance ($) X 2.5%	Your Zakat on Shares is: No.of shares owned X  Value per unit share  ($) X 2.5%	Your Zakat on Gold is: Market value of Gold ($) X 2.5% Note : Gold jewellery intended for usage is not obligated to Zakat.	Your Zakat on Business is: (Current Assets – Current Liabilities +/-Adjustments)  ($) X 2.5% X % of Muslim Ownership Shares	Your Zakat on CPF is: Amount in the Ordinary Account  ($) X 2.5% Note : To be paid yearly or upon withdrawal of CPF.	Your Zakat on Insurance is: Surrender Value ($) X 2.5%	Your Zakat on Insurance is: Premium Paid ($) X 2.5%