Zakat is the third pillar, and the one most new Muslims worry about unnecessarily.
It is an annual payment on accumulated wealth — not on income, and not on what you own and use. Most people in their first years as Muslims owe nothing at all, and the ones who do owe it usually find the amount smaller than they feared.
What is worth understanding early is the idea behind it. Zakat is not charity in the sense of generosity from your surplus. It is a due — a portion of certain wealth that is not considered yours to keep, and which its recipients have a right to.
Zakāt al-Fiṭr is a different thing. That is the small amount paid per person in the household before the Eid prayer at the end of Ramadan, and almost everyone owes it. It is covered in Eid.
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