Zakat Calculator Pakistan
Calculate your annual Zakat on cash, gold, silver, savings, and investments.
Works entirely in your browser. Your financial data never leaves your device.
Nisab Threshold
Nisab is the minimum amount of wealth upon which Zakat becomes obligatory. Choose the Nisab basis:
For reference, the government's Nisab for Zakat deducted from bank accounts is Rs 503,529 for 2026. It is fixed once a year, so it can differ from the Nisab worked out from today's price below.
Your Assets
Have it in tola? 1 tola = 11.664 grams.
Example price from October 17, 2026. Please enter today's rate.
Tip: To check the current price of gold please visit: gold.pk (24K gold per gram).
Example price from October 17, 2026. Please enter today's rate.
Tip: To check the current price of silver please visit: forex.pk (silver per gram).
Your Liabilities (Deductible Debts)
Enter debts that are due now. Ask your scholar about long-term loans.
Your Zakat (2.5%)
PKR 0
—
Zakat is due only if your wealth stayed at or above the Nisab for one full lunar year (Hawl).
Detailed Breakdown
| Total Cash | PKR 0 |
| Gold Value | PKR 0 |
| Silver Value | PKR 0 |
| Investments | PKR 0 |
| Business Inventory | PKR 0 |
| Receivables | PKR 0 |
| Total Assets | PKR 0 |
| Less: Debts | PKR 0 |
| Net Wealth | PKR 0 |
| Nisab Threshold | PKR 0 |
| Zakat Due (2.5%) | PKR 0 |
About This Zakat Calculator
This free Zakat calculator helps Muslims calculate their annual Zakat on cash, gold, silver, savings, investments, business inventory, and receivables. It uses the standard Nisab thresholds based on gold and silver weights. Everything runs in your browser, so your financial data never leaves your device.
Zakat is one of the Five Pillars of Islam, and calculating it accurately is important for every eligible Muslim. This tool makes that calculation simple, transparent, and private. No signup and no data stored on any server.
What is Zakat?
Zakat is an obligatory annual charity of 2.5% on a Muslim's qualifying wealth, provided that wealth reaches the Nisab threshold and has been held for one lunar year (Hawl).
Unlike voluntary charity (Sadaqah), Zakat is a religious obligation for every Muslim who meets the criteria. It purifies wealth and supports those in need within the community.
Nisab Threshold
Nisab is the minimum amount of wealth upon which Zakat becomes obligatory:
- Silver Nisab: 612.36 grams of silver (≈ 52.5 tola)
- Gold Nisab: 87.48 grams of gold (≈ 7.5 tola)
In Pakistan the silver Nisab is commonly used, following the Hanafi view, because it is lower and so covers more people. Some scholars use the gold Nisab instead. If you are unsure, ask your scholar.
The Nisab in rupees depends on the price of silver or gold, so it changes as prices change. The government notifies one fixed Nisab each year for Zakat deducted from bank accounts (Rs 503,529 for 2026), which can differ from the figure worked out from today's price.
How to Use This Calculator
- Choose your Nisab basis (silver or gold)
- Enter your cash in hand and bank accounts
- Enter your gold in grams and today's gold price per gram
- Enter your silver in grams and today's silver price per gram
- Add any investments, business inventory, and receivables
- Enter any debts that are due now
- See your Zakat. It updates as you type, and "Calculate Zakat" jumps you to the results.
What Assets Are Zakatable?
- Cash in hand and bank accounts: All money you own, whether in a savings account, current account, or in cash.
- Gold and silver: In any form: jewelry, coins, bars, or ornaments (scholars differ on jewelry that is worn regularly; see the FAQ below).
- Investments: Shares, mutual funds, and other financial instruments. Many scholars apply Zakat on the market value of investments held to trade or as an investment, and rulings differ for long-term holdings, so ask your scholar.
- Business inventory: Stock and goods held for sale.
- Receivables: Money owed to you that you expect to receive.
What Is Not Zakatable?
- Your primary residence
- Your personal vehicle
- Household furniture and appliances
- Personal clothing
- Tools used for your profession
Common Use Cases
1. Annual Zakat on Savings
The most common scenario: you have cash in bank accounts and want to calculate Zakat on it. Enter your total savings, and the calculator shows the amount due at 2.5%.
2. Zakat on Gold Jewelry
If you own gold jewelry, enter the total grams and the current gold price per gram. The calculator converts it to value and includes it in your total Zakatable wealth.
3. Zakat on Business Assets
Business owners need to include cash, inventory, and receivables. Debts that are due now can be subtracted before calculating Zakat.
4. Zakat on Investments
Enter the current market value of the shares, mutual funds, or other investments you want to include, and the calculator adds it to your total. Ask your scholar which of your holdings count.
5. Checking Nisab Eligibility
If your net wealth is below the Nisab, Zakat is not obligatory. The calculator tells you immediately whether you meet the threshold.
6. Ramadan Zakat Planning
Many Muslims prefer to pay Zakat during Ramadan. Use this tool to calculate your Zakat in advance and plan your giving.
A Worked Example
Here's a sample calculation using the example prices from October 17, 2026:
- Cash & bank: PKR 800,000
- Gold:50 grams × PKR 37,800 = PKR 1,890,000
- Silver: 0 grams
- Investments: PKR 200,000
- Total assets: PKR 2,890,000
- Debts: PKR 100,000
- Net wealth: PKR 2,790,000
- Silver Nisab:612.36g × PKR 536 = PKR 328,225
- Net wealth exceeds Nisab:Yes
- Zakat due (2.5%):PKR 69,750
Frequently Asked Questions
What is the rate of Zakat?
Zakat is 2.5% (one-fortieth) of your net qualifying wealth, once that wealth has stayed at or above the Nisab for one lunar year.
Should I use gold or silver Nisab?
In Pakistan the silver Nisab is the usual default, following the Hanafi view, and the government also sets its bank-deduction Nisab from the silver price. Some scholars use the gold Nisab instead. Choose the one your scholar recommends.
Do I pay Zakat on my house or car?
No. Personal-use items like your primary home, personal vehicle, and household furniture are not Zakatable.
Is gold jewelry Zakatable?
In the Hanafi school, which many people in Pakistan follow, Zakat is due on gold and silver jewelry that you own. Other schools differ for jewelry that is worn regularly. Ask your scholar if you are unsure.
What if I don't know current gold or silver prices?
Enter today's market price per gram. One tola is 11.664 grams, so divide a price per tola by 11.664 to get the price per gram. Use the 24K rate for pure gold, or ask your jeweller for the rate that matches your jewelry.
Which debts can I deduct?
Debts that are due now, such as bills and instalments you owe, are generally deducted from your wealth before Zakat is calculated. Scholars differ on long-term loans such as a home mortgage, so ask your scholar.
Why does my bank deduct Zakat in Ramadan?
Under the Zakat and Ushr Ordinance 1980, banks deduct 2.5% Zakat at source from eligible accounts on the first day of Ramadan when the balance is at or above the Nisab the government notifies each year (Rs 503,529 for 2026). Account holders who have submitted the required declaration are exempt, and current accounts are generally not included. This calculator is for your own Zakat, so ask a scholar how to treat any amount your bank has already deducted.
Does Zakat apply to all my wealth?
Zakat applies only to specific categories: cash, gold, silver, investments, business inventory, and receivables. Personal items like your home, car, and clothing are excluded.
Is my data safe?
Yes. All calculations happen in your browser. Your financial information is never sent to any server.
Disclaimer: This calculator is for general guidance only. For specific fiqh rulings and personal situations, consult your trusted scholar or mufti. ToolsVibe is not responsible for any errors or omissions in the calculations.
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