| 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.
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
Nisab is the minimum threshold of wealth a Muslim must possess before Zakat becomes obligatory. There are two standards: Silver Nisab — equivalent to 52.5 tola (612.36g) of silver, currently approximately PKR 91,200; and Gold Nisab — equivalent to 7.5 tola (87.48g) of gold, currently approximately PKR 87,750. Most Islamic scholars recommend using the silver standard as it covers a wider range of Muslims.
Hawl means that the assets must have been in your possession for one complete Islamic lunar year (approximately 354 days). Zakat is not due on newly acquired wealth until it has been held for a full year. If your wealth drops below Nisab at any point during the year, the year resets when it reaches Nisab again.
No. Personal-use property — your primary residence, personal vehicle, household furniture, and clothing — is not zakatable. Zakat is only due on productive or liquid assets such as cash, gold, silver, business inventory, receivables, and investment holdings. Rental income from property may be zakatable if it reaches Nisab.
Yes. Scholars generally agree that immediate short-term debts (due within the year) can be deducted from your total zakatable assets before calculating the Zakat amount. Long-term debts (e.g., a 20-year mortgage) are typically not deducted in full — only the portion due this year. Consult a qualified scholar for your specific situation.
Zakat is calculated on your personal lunar year anniversary (hawl) from when your wealth first reached Nisab. Most Muslims choose to pay in Ramadan for greater reward, which is perfectly valid as long as it is not paid significantly early. If you pay early, it counts as an advance payment.