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| 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 wealth threshold before Zakat becomes obligatory. There are two standards: the Silver Nisab (52.5 tola / 612.36g of silver, currently approximately PKR 91,200) and the Gold Nisab (7.5 tola / 87.48g of gold, approximately PKR 87,750). 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.