Zakat Calculator

How zakat is calculated

1. Add up your zakatable wealth: gold, silver, cash, bank balances, business stock and money you are owed, valued at today's prices.
2. Subtract debts that are due now.
3. Compare the result with the nisab, the minimum threshold. If your wealth has stayed above the nisab for one lunar year, zakat is due.
4. Zakat is 2.5% (one fortieth) of the net amount.

Example: Rs 150,000 cash, Rs 850,000 in the bank, 3 tola of gold at Rs 400,000 per tola and Rs 100,000 owed to you, minus Rs 200,000 of debts, gives net wealth of Rs 2,100,000. That is above the silver nisab, so zakat is Rs 2,100,000 × 2.5% = Rs 52,500.

What is the nisab?

The nisab is 7.5 tola (87.48 grams) of gold or 52.5 tola (612.36 grams) of silver. Because silver is much cheaper, the silver nisab is far lower, so more people are liable under it. Many scholars recommend it as the safer, more charitable choice, and Pakistan uses it for its official nisab. For Ramadan 2026 (1447 AH) the government fixed the nisab at Rs 503,529, based on silver at Rs 9,591 per tola; that rate is the calculator's default. Prices change daily, so enter the current rate for an accurate result.

Zakat deducted by banks

In Pakistan, banks deduct 2.5% zakat on the first day of Ramadan from savings and similar accounts whose balance is at or above the official nisab, unless the account holder has filed a zakat exemption declaration. If zakat was deducted at source, count it as zakat already paid on that money.

What this calculator does not decide

Rulings differ on some assets, such as jewellery for personal use, retirement funds, rental property income and long-term business debts. The calculator includes what you enter. Ask a trusted scholar if you are unsure whether an asset is zakatable.