Gw i am guided by the fact that i rely on God and his words in Quran..and other scriptures..if i am honest the 2.5% has never been clear to me how it is calculated..and it is the same veil i approach salat that i approach this.. not that i currently am consistent anyways with zakat but if i come to a conclusion that it is one fifth may God allow me to do the right thing consistently and continuously..