Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to calculate your personal zakat [title] Calculate the nisab. [step] Nisab is the threshold or cut-off amount. If your personal wealth, or what you own, is more than the nisab, you owe zakat.

Ending1: You should have this figure in mind as you calculate your spending, net assets and net income. Once you calculate the number, you can calculate how much zakat you can deposit and allocate toward your personal profits, net investments and net equity. Ending2: [substeps] For example, if your income is a constant 6 months' worth of zakat you owe $1 million in zakat. If your liabilities are a constant 9 months' worth, either you will pay that as zakat, the result falls into the nisab. Ending3: As the name suggests, zakat is under and above the nisab. [substeps] The nisab is the imaginary lightbulb located on the wall between the two sheels. Ending4: If your personal wealth is below the nisab, you don't owe zakat. You use either the current market price of gold or silver to calculate nisab.

Answer format: ending1/ending2/ending3/ending4