Zakat Calculator
Zakat is 2.5% of your zakatable wealth once it reaches the nisab: 52.5 tola of silver in the Hanafi view most people in Pakistan follow, or 7.5 tola of gold when gold is all you own. Add up your cash, gold, silver, business stock and investments, take off debts due now, and see what you owe.
Figures last checked against the sources on this page on .
Read the guide: Zakat Rules in Pakistan, Checked Against the FatwasBank zakat nisab for 2026: Rs 503,529. The Ministry of Poverty Alleviation and Social Safety notified this figure on 16 February 2026 for zakat year 1446-47 AH. Banks deducted 2.5% on 1 Ramadan 1447 from savings and profit-and-loss accounts holding Rs 503,529 or more. That is the cut-off for the bank deduction only. Your own nisab is 52.5 tola of silver at today's rate, which the calculator below works out.
Sources: Associated Press of Pakistan, 17 February 2026, Nisab of Zakat notified at Rs 503,529
Gold and silver
1 tola = 11.664 grams. Today's rates change daily, so check the rate at your local sarafa market.
In the Hanafi view, 22K or 21K jewellery counts at its full weight for the nisab and is valued at the price a jeweller would pay you for that karat. This calculator estimates that price as karat/24 of the 24K rate.
Cash, business and debts
Include savings, current accounts and foreign currency at today's value.
Including property bought to resell. Value at the price you could sell it for today; wholesale price is acceptable.
Loans you expect to get back. You may also pay zakat on them when repaid, including for past years.
Shares bought to sell and funds: market value. Savings certificates: the amount invested. Shares held long term for dividends have a separate ruling, so ask a scholar.
Bills, rent and loans due now, plus this year's instalments on a long-term loan, not its whole balance. Scholars differ here, so ask one if your debts are large.
Your zakat
In the Hanafi school, followed by most people in Pakistan, the silver nisab applies whenever you hold any mix of cash, gold, silver or business goods. The gold nisab applies only when gold is your only asset.
Enter today's silver rate per tola to find the nisab.
Gold nisab today: Rs 0. Silver nisab today: Rs 0.
How to work out your zakat
- Gold and silver weights in grams are turned into tola (1 tola = 11.664 grams). Gold counts at its full weight without stones and is valued at an estimate of what a jeweller would pay for that karat: karat divided by 24, times the 24K rate per tola. Silver is weight times the silver rate. These are added to cash, business stock, money owed to you and investments.
- Debts due now are subtracted to get zakatable wealth. Under the Hanafi rule, the nisab is 52.5 tola times the silver rate, unless gold is your only asset; then zakat is due once the gold weighs 7.5 tola or more. If you pick the gold nisab view instead, the nisab is 7.5 tola times the 24K rate. If zakatable wealth reaches the nisab, zakat is 2.5% of it. To check the sums yourself, use Calculator.
Sources: Jamia Uloom-ul-Islamia, Banuri Town, Alloy in jewellery follows the gold; Jamia Uloom-ul-Islamia, Banuri Town, Stones are taken out of the weight; Jamia Uloom-ul-Islamia, Banuri Town, Which gold price to use; Jamia Uloom-ul-Islamia, Banuri Town, Six tola of jewellery plus some cash
Frequently asked questions
What is the nisab for 2026?
The nisab is fixed by weight, not by a rupee amount: 7.5 tola (87.48 grams) of gold or 52.5 tola (612.36 grams) of silver. Its rupee value moves with the market, so multiply today's rate per tola by 7.5 for gold or 52.5 for silver. This calculator does that once you enter the rates. These gram figures follow the tola used in Pakistan; some Arab fatwa bodies use 85 g of gold and 595 g of silver.
Sources: Jamia Uloom-ul-Islamia, Banuri Town, Nisab of gold and silver in tola; Mufti Taqi Usmani, How to pay zakat
How much zakat do I owe?
Zakat is 2.5% of your zakatable wealth, which is what you own minus debts due now, as long as you had at least the nisab on your zakat date one Islamic year ago and still have it today. In the Hanafi view, money that came in during the year is counted too; it does not need its own full year. For example Rs 1,000,000 of zakatable wealth means Rs 25,000 of zakat.
Sources: Jamia Uloom-ul-Islamia, Banuri Town, Nisab at the start and end of the year
Should I use the gold or silver nisab?
In the Hanafi school, followed by most people in Pakistan, the silver nisab (52.5 tola) applies whenever you hold any mix of cash, gold, silver or business goods, even a small amount of cash with your gold. The gold nisab (7.5 tola, by weight) applies only when gold is your only zakatable asset. Some other schools allow the gold nisab for all wealth; ask a scholar if you follow another view.
Sources: Jamia Uloom-ul-Islamia, Banuri Town, Gold held with other assets uses the silver nisab; Jamia Uloom-ul-Islamia, Banuri Town, One tola of gold and Rs 1,000 cash
Is zakat due on jewellery I wear?
In the Hanafi school, yes, gold and silver jewellery counts even if worn. Most Maliki, Shafi'i and Hanbali scholars exempt jewellery in normal personal use. Some scholars outside the Hanafi school, including the IslamQA answer linked below, still hold that worn gold and silver is zakatable. Precious stones are not counted unless they are held for trade.
Sources: Darul Uloom Deoband, Zakat on gold kept at home; IslamQA, Zakat on jewellery that is worn
Does the bank's zakat deduction count?
Banks in Pakistan deduct 2.5% on 1 Ramadan from savings and profit-and-loss accounts above the limit the government announces each year. Current accounts are not deducted. To stop it, file a sworn CZ-50 declaration with your bank at least 30 days before 1 Ramadan. Scholars differ on whether the deduction counts as zakat paid, and some, such as Jamia Uloom-ul-Islamia Banuri Town, advise paying zakat yourself. If you do count it, subtract what the bank took from the total here.
Sources: Jamia Uloom-ul-Islamia, Banuri Town, Zakat deducted by the bank
Which debts can I subtract?
Subtract what you must pay this zakat year: bills, rent, money you owe friends, and the instalments of a long-term loan that fall due this year. Do not subtract the full balance of a mortgage or other long-term loan. Older Hanafi texts allow all debts and some scholars still follow that, so ask one if your debts are large.
Sources: Jamia Uloom-ul-Islamia, Banuri Town, Mortgage instalments and zakat
Is zakat due on money I lent?
Yes, a loan you expect to get back counts every year. You can pay its zakat each year or wait until it is repaid and then pay for all the past years together. Money you are unlikely to get back is left out until it is actually recovered.
Sources: Jamia Uloom-ul-Islamia, Banuri Town, Zakat on money you have lent; Jamia Uloom-ul-Islamia, Banuri Town, Debts you may not get back
What about my home, car or provident fund?
Your home, car, furniture and other things for personal use are not zakatable. Property bought to resell is counted at market value. Provident fund and pension balances have different rulings, so check with a scholar.
This calculator gives an estimate to help you plan. Rulings differ between schools and personal situations. For specific cases, such as business partnerships, loans or retirement funds, please consult a qualified scholar.