Zakat Calculator
2026 Pakistan
Calculate your annual Zakat obligation accurately — covering gold, silver, cash savings, business inventory, investments, and receivables. Powered by live Nisab thresholds and 2.5% Shariah-compliant rates.
Subtract from total assets
Enter your wealth details above to calculate Zakat
Include cash, gold, silver, investments, business inventory, and receivables
⚠️ Disclaimer: This calculator provides estimates based on standard Islamic jurisprudence. Consult a qualified scholar for specific rulings on complex assets or personal circumstances. Nisab calculations use current market prices you provide.
What is Zakat?
Zakat is one of the Five Pillars of Islam — a mandatory annual charity that every financially capable Muslim must pay. The word "Zakat" comes from the Arabic root meaning purification and growth. By giving Zakat, you purify your remaining wealth and contribute to the welfare of your community.
Zakat is not optional or voluntary — it is a religious obligation (Fard) for every Muslim who owns wealth above the Nisab threshold for a complete lunar year. Failing to pay Zakat when it is due is considered a major sin in Islamic jurisprudence.
The Quran mentions Zakat alongside Salah (prayer) more than 30 times, emphasising how central it is to a Muslim's faith. Allah says in the Quran: "Take from their wealth a charity by which you purify them and cause them increase." (Surah At-Tawbah 9:103)
In Pakistan, Zakat holds additional legal standing. The government deducts Zakat from savings accounts automatically on the first day of Ramadan under the Zakat and Ushr Ordinance 1980, unless an individual files a Zakat exemption declaration (Form CZ-50). However, this government deduction does not cover all Zakatable assets — it is your personal responsibility to calculate and pay Zakat on gold, silver, business inventory, investments, and other assets separately.
Nisab Threshold 2026 — Pakistan
Nisab is the minimum wealth a Muslim must possess for Zakat to become obligatory. There are two Nisab standards — based on gold and silver. Scholars generally recommend using the silver Nisab as it sets a lower threshold, ensuring more Muslims fulfil their obligation.
Important: How Nisab is Applied
- Your total net wealth (all Zakatable assets minus liabilities) must exceed Nisab — not individual assets separately.
- You must have held this wealth above Nisab for a complete lunar year (Hawl) — approximately 354 days.
- Our calculator uses the lower of gold or silver Nisab automatically, which is the safer approach.
- Update gold and silver prices in the calculator to reflect today's market rates in PKR for an accurate result.
What Assets Are Subject to Zakat?
Not all wealth is Zakatable. Islamic jurisprudence defines specific categories of assets that attract Zakat. Here is a complete breakdown of what is included in your Zakat calculation:
Cash & Bank Savings
All cash at home, in savings accounts, current accounts, and fixed deposits. Any amount held for a full lunar year above Nisab is Zakatable.
Gold & Jewellery
Gold owned above 87.48 grams (7.5 tolas) for a full year. This includes gold jewellery, gold coins, gold bars, and gold ETFs.
Silver
Silver owned above 612.36 grams (52.5 tolas) for a full year. Silver Nisab is the preferred threshold used by most scholars.
Stocks & Investments
Shares held for investment purposes are Zakatable on the portion of the company's Zakatable assets proportional to your shareholding.
Business Inventory
All goods held for trade or resale at their current market value. This is one of the largest Zakatable categories for business owners.
Receivables
Money owed to you that you expect to recover. Loans you've given out and trade receivables are included in your Zakatable wealth.
Assets NOT Subject to Zakat
How to Use This Zakat Calculator
Select Your Currency
Choose PKR (Pakistani Rupee) for local calculations. If you hold assets abroad, you can switch to USD and enter the current exchange rate.
Enter Gold & Silver Prices
Input today's gold price per gram in PKR (check PMEX or a local jeweller). Similarly enter the current silver price per gram. Our quick-select buttons provide common current rates.
Enter Your Gold & Silver Weight
Enter your gold holdings in grams or tolas — both fields sync automatically. Do the same for silver. Include all gold jewellery, coins, and bars you own.
Add Cash, Investments & Business Assets
Enter total cash savings, stock/mutual fund value, business inventory at market price, and any money others owe you (receivables).
Deduct Liabilities
Enter total debts due within the year — bank loans, personal debts, supplier credit. These are subtracted from your total assets.
Calculate & Review
Click 'Calculate Zakat'. The tool compares your net wealth to the Nisab threshold and shows your exact Zakat amount (2.5%) with a full breakdown.
Who Can Receive Your Zakat?
Allah has defined eight specific categories of people who are eligible to receive Zakat in Surah At-Tawbah (9:60). Your Zakat must go to one or more of these categories:
The poor who have no wealth or income.
The needy who have some income but it is insufficient.
Those who administer and collect Zakat.
Those whose hearts are to be reconciled.
Those in bondage or captivity seeking freedom.
Those overwhelmed by debt through no fault of their own.
Those striving in the path of Allah.
The stranded traveller who has run out of resources.
Frequently Asked Questions — Zakat 2026
What is Nisab and how is it calculated in 2026?
Nisab is the minimum wealth threshold that makes Zakat obligatory. In 2026, it equals either 87.48 grams of gold or 612.36 grams of silver. Most scholars recommend using the silver Nisab because it is lower, ensuring a broader circle of Muslims fulfil their obligation. Our calculator automatically applies the lower of the two thresholds.
Is Zakat obligatory on bank savings in Pakistan?
Yes. Any cash savings held in a bank account — savings account, current account, or fixed deposit — that remain above the Nisab threshold for a full lunar year (Hawl) are Zakatable at 2.5%. In Pakistan, the government also deducts Zakat automatically from savings accounts on the first of Ramadan unless you file a Zakat exemption form (CZ-50).
How much Zakat is due on gold in Pakistan 2026?
If you own 87.48 grams (7.5 tolas) or more of gold and have held it for a lunar year, Zakat is 2.5% of its total market value. For example: 100 grams × PKR 22,000 per gram = PKR 2,200,000 value. Zakat due = PKR 55,000.
Does business inventory attract Zakat?
Yes. All goods held for trade — shop stock, wholesale inventory, raw materials, online store products — are Zakatable at their current market value. Business owners should calculate inventory value on their Zakat due date and include it in their total Zakatable assets.
Can I deduct debts from my Zakat calculation?
Yes. Short-term liabilities due within the year — such as loans, rent due, salaries payable, and supplier credit — can be deducted from your Zakatable assets. Long-term debts like mortgage are handled differently; you generally deduct only the instalment amount due in the current year.
Who are eligible to receive Zakat?
The Quran (Surah At-Tawbah 9:60) defines eight categories: the poor (Fuqara), the needy (Masakin), Zakat collectors (Amileen), new Muslims (Muallafatul Quloob), those in bondage (Riqab), the indebted (Gharimeen), those in Allah's path (Fi Sabilillah), and stranded travellers (Ibn Sabil).
Disclaimer
This Zakat calculator is provided for educational and estimation purposes only. It is based on standard Islamic jurisprudence principles. For complex financial situations — including overseas assets, pension funds, property held for investment, or mixed business assets — please consult a qualified Islamic scholar or Mufti. Nisab values displayed are approximate and should be verified against current gold and silver market prices. ToolifyWorlds does not provide formal religious rulings (fatwas).