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If your zakat net worth is more than the nisab, you owe zakat. If it's less, you don't owe this year. For example, your zakat net worth is $4,000. Each ounce of silver is currently worth $15, so the nisab using the silver calculation is $315 ($15 X 21 ounces = $315). You have more than the nisab so you owe zakat. If you're over the nisab threshold, give a minimum of 2.5% of your zakat net worth. Give more than 2.5% if you're financially able.  For example, if your net worth is $4,000, you'll give $100 for zakat ($4,000 X .025 = $100). However, give more if you're financially able. The calculation is slightly higher if you're using a western, Gregorian calendar vs. the lunar Hijri calendar. If you're following the western calendar cycle use 2.557% of your net worth. If you're following the Hijri calendar, use 2.5% of your net worth. To ensure your zakat is going to fellow Muslims in need, donate to a recognized and registered non-profit charity. Ask your local faith community for recommendations. Ask the charity how much of the zakat donations reach people in need, and what the charity's process is for distributing funds.
Compare the nisab with your zakat net worth or pool. Give a percentage of your zakat net worth. Donate to reputable faith-based charities.