🕌 Zakat Calculator
Calculate Your Zakat
Total Zakat Payable
Nisab Status
Breakdown
| Total Zakatable Assets | — |
| Nisab Threshold Used | — |
| Above Nisab | — |
| Hawl Condition Met | — |
| Zakat Rate | 2.5% |
| Zakat Payable | — |
Important: Zakat is obligatory only when (1) your total zakatable assets meet or exceed the Nisab, AND (2) these assets have been in your possession for one full lunar year (Hawl). Please verify with your religious scholar for personal guidance.
How to Use the Zakat Calculator
Zakat is the third pillar of Islam — a mandatory annual contribution of 2.5% on all qualifying wealth (Zakatable assets) that has been held for a full lunar year (Hawl) and exceeds the minimum threshold (Nisab). Our Zakat Calculator makes this religious obligation simple to fulfil correctly.
Simply enter the total value of your cash savings, gold and silver, business stock, investments, and other zakatable assets. The calculator will automatically check your Nisab status, verify the Hawl condition, and compute your exact Zakat amount at the 2.5% rate — all privately in your browser.
Cash, gold, investments, business stock — all in PKR
Automatic check against Silver (PKR 91,200) or Gold standard
Your exact Zakat amount at 2.5% with full breakdown
📖 Complete Guide to Zakat in Pakistan — Nisab, Calculation & Distribution
What is Zakat?
Zakat is the third pillar of Islam — an obligatory annual payment of 2.5% on net zakatable wealth that has exceeded the Nisab threshold for one complete lunar year (Hawl). The word Zakat means "purification" and "growth." It is a compulsory religious duty for every eligible Muslim, not a voluntary charity. FBR also operates a national Zakat system under the Zakat and Ushr Ordinance 1980, but most scholars prefer individuals to calculate and pay directly to ensure it reaches deserving recipients.
Who Must Pay Zakat? — 5 Conditions
- Muslim — Zakat is only obligatory on Muslims
- Adult (Baligh) — Must have reached puberty
- Sane (Aqil) — Must be of sound mind
- Nisab reached — Wealth must equal or exceed the Nisab value
- Hawl completed — Wealth must have stayed at or above Nisab for one full lunar year (354 days). If wealth drops below Nisab at any point, the Hawl resets.
Nisab — Silver vs Gold Standard in Pakistan
| Standard | Weight | Approx. PKR Value (2026) | Notes |
|---|---|---|---|
| Silver (Nisab-e-Fidda) | 52.5 tola / 612.36g | ~PKR 90,000–110,000 | Default — widely used in Pakistan |
| Gold (Nisab-e-Zarr) | 7.5 tola / 87.48g | ~PKR 700,000–900,000 | Higher threshold, fewer payers |
Pakistan Ulema Council and most major Pakistani scholars follow the silver standard as it includes more people in the Zakat obligation, ensuring more wealth flows to those in need. Our calculator defaults to silver Nisab. The values fluctuate daily with gold and silver prices.
What Assets are Zakatable?
| Asset | Zakatable? | How to Calculate |
|---|---|---|
| Cash in hand & bank balances | ✅ Yes | Full amount |
| Gold & silver | ✅ Yes | Market value × 2.5% |
| Business stock / inventory | ✅ Yes | Current market value × 2.5% |
| Shares & mutual funds | ✅ Yes | Market value × 2.5% |
| Trade receivables (money owed to you) | ✅ Yes (if collectable) | Expected amount × 2.5% |
| Property for resale/investment | ✅ Yes | Market value × 2.5% |
| Personal residence | ❌ Exempt | Your home is not zakatable |
| Personal vehicle | ❌ Exempt | Personal-use assets are exempt |
| Household furniture & appliances | ❌ Exempt | Personal-use assets are exempt |
| Loans you owe others | Deductible | Subtract short-term debts from total |
Worked Example — Zakat Calculation
| Asset / Liability | Amount (PKR) |
|---|---|
| Cash in hand | 50,000 |
| Bank balance (savings + current) | 400,000 |
| Gold jewellery (200g @ PKR 22,000/g) | 4,400,000 |
| Shares portfolio (market value) | 300,000 |
| Loan given to friend (expected back) | 100,000 |
| Less: Outstanding bank loan (short-term) | −200,000 |
| Net Zakatable Wealth | 5,050,000 |
| Zakat Due @ 2.5% | PKR 126,250 |
This assumes Hawl is complete. Use our Zakat Calculator above for your exact figure.
The 8 Categories of Zakat Recipients (Quran 9:60)
- Fuqara — The poor (below Nisab)
- Masakeen — The needy (some income but insufficient)
- Amileen — Zakat collectors and administrators
- Mu'allafat ul Quloob — New Muslims or those whose hearts need strengthening
- Riqab — Freeing those in bondage or extreme debt bondage
- Gharimeen — Those burdened by debt for legitimate needs
- Fi Sabilillah — In the path of Allah (students of Islamic knowledge etc.)
- Ibn as-Sabil — A stranded traveller unable to access their wealth
How to Pay Zakat in Pakistan
- Directly to eligible individuals — Giving to poor relatives, neighbours, or deserving people in your community is the most personally rewarding method and ensures the recipient benefits fully
- Through a trusted organisation — Edhi Foundation, Saylani Welfare Trust, Akhuwat, Al-Khidmat Foundation, and Umang are established Zakat-eligible organisations
- Through your mosque — Local mosque committees often have direct knowledge of deserving families in the neighbourhood
⚠️ Bank Auto-Deduction
Pakistani banks automatically deduct 2.5% Zakat from savings accounts above Nisab on the first day of Ramadan under the Zakat and Ushr Ordinance 1980. If you wish to pay Zakat yourself (to control distribution), submit a CZ-50 exemption declaration to your bank before Ramadan. This is your legal right as a Muslim.
Frequently Asked Questions — Zakat
Nisab is the minimum wealth threshold before Zakat becomes obligatory. There are two standards: the Silver Nisab (52.5 tola / 612.36g of silver, currently approximately PKR 95,000–110,000) and the Gold Nisab (7.5 tola / 87.48g of gold, approximately PKR 850,000–950,000). Most Pakistani scholars recommend the silver standard as it has a wider coverage and ensures more Muslims fulfill this obligation.
Hawl means your zakatable wealth must have been in your possession for one complete Islamic lunar year (approximately 354 days). Zakat is not due on newly received wealth until the full year passes. However, if your wealth was already above Nisab at the start of the year and you received additional money later, the additional amount is included in the year-end calculation even if received recently.
No. Personal-use assets — your primary home, personal vehicle, household furniture, and clothing you wear — are not zakatable. Zakat is only due on liquid and productive wealth: cash savings, gold and silver, business stock, trade receivables, shares, and rental income. If you own a second property purely as an investment, the rental income may be zakatable if it meets Nisab.
Yes. Short-term debts due within the year — personal loans, outstanding credit card bills, money owed to individuals — can generally be deducted from your total zakatable assets before applying the 2.5% rate. Long-term debts like a home mortgage are typically not fully deducted; only the installment due within the current Zakat year may be deducted. Consult a qualified scholar for your specific situation.
Zakat on gold is calculated on its current market value at the time of your Zakat anniversary (hawl), not the price you paid for it. If you bought gold at PKR 200,000 and it is now worth PKR 350,000, your Zakat is 2.5% of PKR 350,000. This applies to gold jewelry, gold bars, and gold-backed savings.
The standard Zakat rate on monetary wealth (cash, gold, silver, business assets) is 2.5%. However, different rates apply to other categories: 5% on rain-irrigated agricultural produce, 10% on crops irrigated by the farmer's own effort, and 20% on buried treasure (Rikaz). For the purposes of this calculator — savings, gold, investments, and business assets — the rate is always 2.5%.
Technically, Zakat is due on your personal lunar calendar anniversary from when your wealth first reached Nisab. However, paying during Ramadan is widely practiced and perfectly valid — the reward is multiplied and distribution is more organised. If you pay slightly early (before your hawl date), it counts as advance payment. If you delay past your hawl, you are sinful for the delay but the Zakat is still valid when paid.
📚 Related Tools & Guides
📚 Related Guides — Learn More