Calculate your annual Islamic Zakat with live Nisab benchmarks.
Determine your mandatory annual Zakat liability in accordance with Islamic jurisprudence. Input your cash, precious metals, and trade assets against current Nisab thresholds to calculate your exact 2.5% charitable duty.
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Step 1: Set Nisab Threshold (Live Gold & Silver Benchmarks)
Select Silver Nisab (52.5 tola / 612.36g) or Gold Nisab (7.5 tola / 87.48g) auto-calculated from live bullion spot prices.
Editable for local Sarafa / Zakat committee rates
Step 2: Zakatable Assets (PKR)
Step 3: Liabilities (Deductible)
Zakat Calculation Result
Total Assets:Rs. 0
Total Liabilities:- Rs. 0
Net Zakatable Wealth:Rs. 0
Selected Nisab Threshold:Rs. 310,650
Your net wealth is below the Nisab threshold. No Zakat is due.
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How It Works & Calculation Method
Zakat is an obligatory annual religious duty incumbent upon qualifying Muslim adults who possess net wealth equal to or greater than the Nisab threshold for one continuous lunar year (Hawl, 354 days).
Our calculator accounts for both Gold Nisab (7.5 tola / 87.48g) and Silver Nisab (52.5 tola / 612.36g), permitting full auditing across liquid cash, bullion, investment securities, and short-term deductible liabilities.
The tool aggregates all zakatable assets (cash, gold, silver, investments, and business inventory) and deducts immediate short-term obligations.
If your net wealth equals or exceeds the selected Nisab benchmark, exactly 2.5% (one-fortieth) is calculated as your obligatory Zakat payment.
Derives live PKR per-gram bullion rates from XAU/XAG troy-ounce feeds (31.1034768g/oz, 11.664g/tola) or accepts your custom local Sarafa Nisab benchmark.
Sums bank balances, cash on hand, pure gold/silver resale valuation, tradable shares/mutual funds, and commercial merchandise held for sale (excluding primary home and personal car).
Deducts overdue bills, short-term personal debts, and only the currently due monthly installment of long-term loans, flooring negative balances at zero.
Applies the 52.5-tola Silver Nisab by default for cash, savings, and mixed portfolios per Pakistani Hanafi jurisprudence, or 7.5-tola Gold Nisab if manually selected.
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Evaluate Lunar Hawl Eligibility Threshold
IsEligible = NetZakatableWealth >= SelectedNisab
Checks whether net zakatable wealth held across your 354-day Hijri lunar anniversary equals or exceeds the chosen Nisab value.
What is the exact Gold and Silver Nisab weight for Zakat in Pakistan?
The statutory Gold Nisab threshold is 7.5 tolas (87.48 grams of 24K fine gold), while the Silver Nisab threshold is 52.5 tolas (612.36 grams of pure silver). All tola-to-gram conversions use Pakistan's standard Sarafa bullion weight of 11.664 grams per tola.
Should I calculate Zakat in Pakistan using the Gold Nisab or Silver Nisab threshold?
Pakistani Hanafi scholars and the Ministry of Religious Affairs mandate the lower Silver Nisab (52.5 tolas / 612.36 grams) whenever you hold cash, bank savings, business inventory, or mixed assets. The higher Gold Nisab (7.5 tolas / 87.48 grams) applies only when a person owns pure gold jewelry or bullion exclusively with zero cash, silver, or trade goods.
How is the 2.5% Zakat formula calculated on net wealth after liabilities?
Sum all liquid cash, bank balances, market value of gold and silver, tradable shares, and wholesale business inventory, then subtract immediate short-term liabilities currently due. If the resulting net wealth equals or exceeds your applicable Nisab threshold after one Hijri lunar year (354 days), multiply the entire net balance by 2.5% (divide by 40).
How do I calculate Zakat on 22K or 21K gold jewelry in Pakistan?
For alloyed gold jewelry, Zakat applies strictly to the pure gold resale value (excluding gemstones and jeweler making charges) by scaling 24K bullion rates by purity: 91.67% for 22K, 87.50% for 21K, and 75.00% for 18K. Under the Hanafi fiqh followed across Pakistan, personal gold and silver jewelry is fully zakatable once total net wealth crosses Nisab.
Are my residential house, personal car, or rental properties subject to Zakat?
Your primary residence, personal vehicles, household furniture, and long-term fixed assets held for personal use or rent collection are 100% exempt from Zakat on their capital value. Only accumulated unspent rental cash remaining in your bank account on your annual Zakat valuation date is added to zakatable wealth, whereas plots held specifically for resale are taxed at current market value.
Can I deduct a home mortgage or car financing loan when calculating Zakat?
You may only deduct immediate short-term debts, overdue bills, and the 1 current monthly installment due before your annual Zakat valuation date. You cannot subtract the entire multi-year unpaid principal of a 5-year to 20-year house mortgage or auto lease before applying the 2.5% Zakat rate.
What is the State Bank of Pakistan (SBP) bank Zakat Nisab and CZ-50 exemption rule?
Under the Zakat and Ushr Ordinance 1980, the Ministry of Religious Affairs announces an official Silver-based Rupee Nisab before 1st Ramadan, and Pakistani banks automatically deduct 2.5% Zakat from conventional savings accounts meeting that balance. Current accounts and Roshan Digital Accounts are exempt by default, and depositors who prefer paying Zakat privately can file a notarized CZ-50 declaration at least one month before Ramadan.
How is Zakat calculated on PSX stocks, mutual funds, and business inventory?
Stocks and mutual fund units bought for active capital-gains trading are 100% zakatable at their closing market value on your Hawl valuation date, while long-term dividend holdings are assessed on the company's underlying liquid zakatable asset ratio (commonly estimated at 25% to 30% when balance sheets are unavailable). Retail and wholesale business owners value finished goods and raw merchandise intended for sale at current market selling price, excluding shelving, machinery, and fixtures.
Is Zakat payable on Provident Fund, pension, or gratuity balances in Pakistan?
Mandatory employer-controlled Provident Fund and pension balances are exempt from Zakat until the funds are actually disbursed into the employee's direct possession upon retirement or withdrawal. Voluntary pension accounts (VPS) where you retain unrestricted withdrawal access are treated as liquid investment wealth and included in your annual 2.5% Zakat calculation.
What happens if my savings dip below Nisab during the 354-day lunar Hawl year?
Under Hanafi jurisprudence, once your wealth first reaches Nisab to start your 354-day lunar Hawl clock, temporary mid-year dips below Nisab do not reset the cycle as long as wealth is not completely wiped out to zero. If your net zakatable assets equal or exceed Nisab again on your annual Hawl anniversary date, 2.5% Zakat is due on the closing net total.