Zakat Calculator Pakistan — Calculate Zakat on Gold, Silver & Cash
Zakat Calculator
Enter today’s gold and silver rates and your assets. Zakat is 2.5% of net wealth above nisab.
Net Wealth (after debts): Rs 0
Nisab (52.5 tola silver): Rs 0
Zakat Due (2.5%): Rs 0
Note: If your wealth is only gold, the gold nisab (7.5 tola) applies instead of the silver nisab. This calculator is an estimate — for personal rulings, please consult a scholar.
Use this free Zakat Calculator for Pakistan to work out exactly how much Zakat you owe on your gold, silver, cash and savings.
Zakat is one of the five pillars of Islam. Every adult Muslim whose wealth stays at or above a minimum threshold — called nisab — for one full Islamic lunar year must pay 2.5% of that wealth as Zakat. Use the calculator above to find your amount in seconds, and read on to understand exactly what counts, what does not, and how the calculation works.
Quick answer: Zakat is 2.5% of your net zakatable wealth (gold, silver, cash, savings, investments and business goods, minus your debts), charged only if that wealth reaches nisab and a lunar year has passed over it. Nisab is 7.5 tola gold (87.48 grams) or 52.5 tola silver (612.36 grams). For mixed wealth, the silver nisab is the standard used in Pakistan.
What is Nisab?
Nisab is the minimum amount of wealth that makes Zakat obligatory. Below nisab, no Zakat is due. Because nisab is fixed in gold and silver weight, its rupee value changes with market rates:
| Nisab | Weight | In grams |
|---|---|---|
| Gold nisab | 7.5 tola | 87.48 g |
| Silver nisab | 52.5 tola | 612.36 g |
At recent silver rates of roughly Rs 6,500–6,950 per tola, the silver nisab comes to approximately Rs 341,000 – Rs 365,000. Always use the silver rate of your own Zakat date — a rate copied from last month can be wrong, which is why the calculator above asks you to enter today’s rate.
Two rules that decide which nisab applies:
- If your wealth is only gold, the gold nisab (7.5 tola) applies.
- If you hold a mix of gold, silver, cash and other assets — the situation for most people — scholars in Pakistan generally apply the silver nisab, because it is lower and benefits the poor by including more people.
What Wealth is Zakatable?
Zakat applies to:
- Gold and silver, including jewellery (see the FAQ below)
- Cash in hand and money in bank accounts
- Savings, shares and other investments
- Business stock and goods held for trade
- Money lent to others that you expect to receive back
Zakat does NOT apply to:
- The house you live in and personal-use property
- Your car and personal transport
- Clothing, furniture and household items
- Tools and equipment you use for your work
The simple principle: wealth kept for your basic needs is not zakatable; wealth you are holding or growing is.
How to Calculate Zakat in 5 Steps
- Note today’s gold rate and silver rate per tola.
- Add the value of all your zakatable assets: gold, silver, cash, bank balance, investments, business stock and recoverable loans.
- Subtract your immediate debts and unpaid dues.
- Compare the result with nisab (52.5 × today’s silver rate per tola). If your net wealth is below nisab, no Zakat is due.
- If it is at or above nisab and a full lunar year (about 354 days) has passed, your Zakat is 2.5% of the net wealth.
Zakat is easier alongside your taxes: once your wealth is listed here, also check your income tax with our free Salary Tax Calculator Pakistan 2026-27.
Worked Example
Suppose the silver rate today is Rs 6,800 per tola, so nisab is 52.5 × 6,800 = Rs 357,000. A person holds:
| Item | Value |
|---|---|
| Gold — 2 tola at Rs 450,000 per tola | Rs 900,000 |
| Cash in hand | Rs 100,000 |
| Bank savings | Rs 500,000 |
| Business stock | Rs 200,000 |
| Total assets | Rs 1,700,000 |
| Less: loan to repay | − Rs 200,000 |
| Net zakatable wealth | Rs 1,500,000 |
Net wealth (Rs 1,500,000) is above nisab (Rs 357,000), so:
Zakat = 2.5% × Rs 1,500,000 = Rs 37,500
Conclusion
Zakat is a simple obligation once the method is clear: add up your gold, silver, cash, savings, investments and business goods, subtract what you owe, and check the total against nisab. If your net wealth has reached nisab and a full lunar year has passed, 2.5% of it is your Zakat. The calculator at the top of this page does all of this in seconds — enter today’s gold and silver rates, and it will even tell you if no Zakat is due. Fix one Zakat date in the Islamic calendar, calculate on the same date every year, and pay while your wealth and records are fresh in front of you. And when you are done, keep your other finances in order too with our free Salary Tax Calculator Pakistan 2026-27.
FAQs
How much Zakat do I pay — what is the rate?
The rate is always 2.5% (one-fortieth) of your net zakatable wealth, provided it reaches nisab and a lunar year has passed.
What is the nisab for cash and savings in Pakistan?
For cash and mixed wealth, the silver nisab is used: 52.5 tola silver (612.36 grams). In rupees this changes daily with the silver rate — recently around Rs 341,000 to Rs 365,000. Enter today’s silver rate in the calculator to get your exact nisab.
Is Zakat due on gold jewellery that I wear?
According to the Hanafi school, which most of Pakistan follows, Zakat is due on gold jewellery whether it is worn or kept stored, as long as the total reaches nisab. Some other schools exempt jewellery in personal use. If this affects a large amount, confirm with a scholar you trust.
Is Zakat due on my salary?
Not on the salary itself. Zakat applies to the savings and wealth you still hold on your Zakat date, if they reach nisab and a lunar year has passed over them. Salary that has been spent on living expenses carries no Zakat.
My bank already deducts Zakat automatically. Is that enough?
Banks in Pakistan deduct 2.5% from bank balances above the official nisab on the first of Ramadan. That covers only the cash in that account. Zakat on your gold, silver, investments, business stock and other accounts still has to be calculated and paid by you — the calculator above adds everything together.
Can I subtract my debts?
Yes. Loans and dues that you are obliged to repay are subtracted from your zakatable assets before checking nisab and calculating the 2.5%.
When should Zakat be paid?
Zakat becomes due when a full lunar year (hawl) completes over wealth at or above nisab. Many people choose Ramadan for the extra reward, but Zakat can be paid on your fixed Zakat date in any month.
Who can receive my Zakat?
Zakat can only be given to the categories defined in the Quran (Surah At-Tawbah, verse 60) — including the poor, the needy and those in debt. It cannot be given to your own parents, grandparents, spouse or children.
Last updated: 25 October 2026. This page is an educational estimate tool based on the standard nisab values (7.5 tola gold / 52.5 tola silver) and the 2.5% rate. Metal rates change daily; fiqh questions differ by school of thought — for a personal ruling, please consult a qualified scholar.
