Zakat Calculator
Calculate your annual zakat based on Nisab.
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Zakat is 2.5% of net zakatable wealth above Nisab
Result
How it works
Zakat is paid annually on net wealth that has been held for one lunar year, provided it exceeds the Nisab threshold (the value of ~612.36g silver or ~87.48g gold; we use a representative PKR figure here).
Net wealth = Cash + Gold/Silver + Investments − Debts
If Net wealth ≥ Nisab → Zakat = Net wealth × 2.5%
Otherwise → Zakat = 0
Your input:
Net wealth = PKR 300,000 + PKR 150,000 + PKR 50,000 − PKR 0
= PKR 500,000
Nisab = PKR 179,000
Zakat = PKR 12,500Update the Nisab value based on current gold/silver rates in your city for the most accurate result.
What is the Zakat Calculator?
Zakat is the third pillar of Islam and a mandatory act of worship for every adult Muslim whose wealth exceeds the Nisab threshold and remains above it for one full lunar (Hijri) year. It is calculated at a fixed rate of 2.5% on qualifying wealth and is paid annually to eligible recipients defined by Sharia. Unlike voluntary charity, Zakat is a religious obligation — failing to pay it without valid excuse is considered a serious sin in Islamic teachings, and paying it purifies the remaining wealth for the giver.
Every sane, adult Muslim who owns wealth above the Nisab for one lunar year must pay Zakat. This includes salaried employees, business owners, freelancers, homemakers with personal savings or gold, and even students with significant accumulated wealth. Children, the mentally incapacitated, and those whose wealth never crosses the Nisab are exempt. Most Pakistani banks also automatically deduct 2.5% Zakat from savings accounts on the first of Ramadan unless the account holder files a CZ-50 exemption declaration with the bank.
How to use this calculator
- 1Enter the total cash and bank balance you have held for one lunar year.
- 2Enter the value of any gold and silver you own (jewellery, coins, bars).
- 3Add the value of business inventory and receivables, if any.
- 4Subtract any due debts you owe.
- 5Click Calculate to see whether you meet Nisab and the exact Zakat amount payable.
How it works
The Zakat formula is straightforward: Zakat Payable = (Total Zakatable Assets − Immediate Liabilities) × 2.5%. First, add up every category of zakatable wealth you have held for a full lunar year — cash in hand, bank balances, the market value of gold and silver, business inventory, trade receivables, and the cash value of investments. Then subtract immediate debts and liabilities, such as bills due, short-term loans, and unpaid wages.
If the net figure is equal to or above the current Nisab threshold, you owe 2.5% of that net amount as Zakat. For example, if your net zakatable wealth is Rs. 1,000,000, your Zakat is Rs. 25,000. If your wealth is below the Nisab, no Zakat is due that year. The calculation is performed once each Hijri year on a fixed date you choose — most Pakistanis choose the 1st of Ramadan because the reward is multiplied during the holy month.
Personal-use items like your home, car, clothing, and household furniture are not zakatable, regardless of their market value. Only wealth that grows, can grow, or is held as a store of value is subject to Zakat.
Nisab Threshold 2026
Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes obligatory. Sharia provides two standards: the gold Nisab (87.48 grams of gold) and the silver Nisab (612.36 grams of silver). For 2026, with gold trading around Rs. 32,000 per gram in Pakistan, the gold Nisab works out to approximately Rs. 2,800,000. The silver Nisab, with silver around Rs. 360 per gram, comes to approximately Rs. 220,000.
Most contemporary scholars in Pakistan recommend using the silver Nisab because it is significantly lower, which means more people qualify to pay Zakat and, more importantly, more poor and needy recipients benefit. If your net zakatable wealth crosses Rs. 220,000 and stays above that level for a full lunar year, you are obligated to pay Zakat. Because gold and silver prices change daily, always check the latest spot rates before finalising your calculation — our calculator pulls current rates so you do not have to do this manually.
What assets are zakatable?
Zakat applies to wealth that has the potential to grow or is held as a store of value. The following categories must be included in your annual Zakat calculation:
- Cash and bank balances. All money you hold in cash, current accounts, savings accounts, foreign currency accounts, prize bonds, and digital wallets like JazzCash or EasyPaisa.
- Gold and silver. The full market value of all gold and silver in any form — jewellery (whether worn or stored), coins, bars, ornaments, and bullion. The Hanafi school, followed by most Pakistanis, requires Zakat on women's gold jewellery regardless of use.
- Business inventory and stock. The wholesale market value of all goods held for resale, raw materials, and finished products at the end of your Zakat year.
- Trade receivables. Money owed to you by customers or clients that you reasonably expect to recover. Bad debts that are unlikely to be collected are not zakatable until received.
- Investments and securities. Stocks, mutual funds, government bonds, sukuk, and savings certificates. For shares held for trading, Zakat is on the market value; for shares held long-term, Zakat is typically on the zakatable portion of the company's assets.
- Rental income and savings. Accumulated rental income that has been saved and not spent on personal needs is zakatable at the end of the lunar year.
What assets are exempt from Zakat?
Many of your most valuable possessions do not count toward Zakat because they are for personal use, not for growth or trade. The following are exempt:
- Your primary residence. The house you live in is exempt regardless of its value, even if it is worth crores. Second homes used for personal stays are also generally exempt.
- Personal vehicles. Your car, motorcycle, or any vehicle used for personal or family transport is not zakatable. Vehicles used commercially as taxis or part of a fleet for sale are treated as business assets.
- Household furniture and appliances. Beds, sofas, refrigerators, washing machines, televisions, and all other household items used by the family are exempt.
- Personal clothing and accessories. Everyday clothes, shoes, watches (other than gold), and personal effects are not zakatable, regardless of brand or cost.
- Tools of your trade. Equipment and machinery you use to earn a living — a doctor's instruments, a tailor's sewing machine, a farmer's tractor — are exempt. Only the goods you produce or sell are zakatable.
- Plot of land for personal use. Land bought as a long-term family asset or for building a future home is exempt. Land bought specifically with the intention of resale is treated as a business asset and is zakatable.
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