Zakat Calculator Pakistan
Calculate your Zakat (2.5% Islamic charity) on all qualifying wealth. Includes cash, gold, silver, investments, and business assets. Based on silver Nisab for maximum benefit to the needy.
Loans, unpaid bills, debts payable within next 12 months
How to use this calculator
- Enter all your assets: cash, bank balance, gold, silver, investments
- Enter business inventory and money owed to you
- Enter all debts and liabilities you owe (next 12 months)
- Click "Calculate Zakat" to see if Zakat is due and the exact amount
- Pay 2.5% of net wealth to deserving recipients
Formula & method
- You must be Muslim, sane, and adult
- Wealth must exceed Nisab (612.36g of silver value)
- Wealth held for one full lunar year (Hawl)
- Pay 2.5% of net qualifying wealth
Real-world examples
Frequently asked questions
What is Zakat and who must pay it?
Zakat is one of the Five Pillars of Islam — a mandatory annual charity equal to 2.5% of qualifying wealth held for one full lunar year (Hawl). Every adult, sane, free Muslim whose net wealth exceeds the Nisab threshold must pay Zakat.
What is Nisab in Pakistan 2026?
Nisab is the minimum wealth threshold. It equals the value of either 87.48 grams of gold or 612.36 grams of silver. In Pakistan 2026, silver Nisab is approximately Rs. 171,463 (at Rs. 280/gram) and gold Nisab is approximately Rs. 2,449,440 (at Rs. 28,000/gram). Most scholars recommend using silver Nisab as it benefits more poor people.
On which assets must I pay Zakat?
Zakat is due on: cash (in hand & bank), gold and silver (any form including jewelry), business inventory, investments and shares, money owed to you that is likely recoverable, and rental income (if held for the year). Personal items like home, car, and clothes are NOT Zakatable.
Can I deduct debts from my Zakat calculation?
Yes, deduct all debts that are due within the next 12 months — including credit card bills, loan installments, unpaid bills, and outstanding rent. Long-term loans (like 25-year mortgages) — you can only deduct the next 12 months of payments.
When should I pay Zakat?
Zakat is due once a lunar year (Hawl) on wealth held for that period. Many Muslims choose Ramadan for greater spiritual reward. Pick a fixed Islamic date (like 1st of Ramadan) and calculate your wealth on that date every year.
Do I pay Zakat on my house, car, or jewelry I wear?
No Zakat on personal use items: your primary residence, personal car, household furniture, or clothes. However, gold and silver jewelry IS Zakatable in the Hanafi school (followed by most Pakistanis), even if worn regularly. Other schools may differ — consult your local scholar.
Who can receive my Zakat?
Quran specifies 8 categories (Surah Tawbah 9:60): the poor (Fuqara), the needy (Masakin), Zakat collectors, new Muslims needing support, freeing slaves/captives, those in debt, in the way of Allah (Fi Sabilillah), and stranded travelers. You CANNOT give Zakat to your parents, children, spouse, or wealthy relatives.
Can I give Zakat to family members?
You cannot give Zakat to direct ascendants (parents, grandparents) or descendants (children, grandchildren) or your spouse — they are your responsibility through normal maintenance. You CAN give to siblings, aunts, uncles, nephews, and cousins if they qualify as poor.
How is Zakat calculated on stocks and mutual funds?
For shares held for trading: pay Zakat on full market value. For long-term investment: pay Zakat on the Zakatable assets of the company (cash, inventory, receivables). For mutual funds: most scholars say pay 2.5% on current market value. When in doubt, pay on full value to be safe.
Should I use gold or silver Nisab in Pakistan?
Most contemporary scholars in Pakistan recommend SILVER Nisab because it has a lower threshold, meaning more wealthy individuals will pay Zakat, benefiting more poor people. This is the more cautious and beneficial option. The calculator above uses silver Nisab by default.