Add up your cash, gold, silver, investments and business stock, subtract short-term debts, and see your Zakatable net wealth, Nisab threshold, and Zakat payable at 2.5%.
Built & Verified by Haadi Associates Tax ConsultantsSilver Nisab is generally recommended for cash and mixed assets.
Reference gold and silver rates used above are approximate figures as of September 2026 and fluctuate daily. This calculator also assumes you have held this wealth at or above Nisab for a full lunar year (Hawl). For a precise, date-specific figure, talk to us directly.
Zakat is 2.5% of your net Zakatable wealth, once that wealth has stayed at or above the Nisab threshold for a full lunar year. Reference values below are approximate as of September 2026.
| Standard | Weight | Approx. Reference Value (PKR) | Zakat Rate |
|---|---|---|---|
| Silver Nisab (recommended for cash/mixed assets) | 612.35 grams | ~Rs 357,000 | 2.5% |
| Gold Nisab | 87.48 grams | ~Rs 3,467,500 | 2.5% |
This tool gives a solid estimate of your personal Zakat based on standard Hanafi rules. A few things it deliberately leaves out:
Nisab is the minimum threshold of wealth a person must hold, for a full lunar year, before Zakat becomes obligatory. It can be measured in gold (87.48 grams) or silver (612.35 grams). Because silver's value is much lower than gold's, the silver Nisab threshold is far lower in rupees, which brings more people into Zakat eligibility and is generally the more cautious, majority-favoured standard for cash and mixed assets.
Most Hanafi scholars recommend using the silver Nisab for cash, bank balances, and mixed wealth, since it is more inclusive and cautious in favour of the poor. If your wealth is held mainly or entirely in gold, some scholars prefer comparing against the gold Nisab instead. This calculator defaults to silver but lets you switch to gold.
Hawl is the requirement that your wealth stays at or above the Nisab threshold for one full Islamic (lunar) year before Zakat is due on it. This calculator computes what you would owe based on the figures you enter today; it does not track your wealth over the year. If your wealth has fluctuated, especially dropping below Nisab and back up, please consult a scholar or contact us to confirm your Hawl status.
Under the Hanafi view followed by most Zakat calculators in Pakistan, gold and silver are Zakatable regardless of whether they are worn as personal jewelry or held as an investment. Some other schools of thought exempt personal-use jewelry. If this distinction matters to you, we'd recommend confirming which view you follow before finalizing your figure.
Pakistani banks deduct compulsory Zakat under the government's Zakat and Ushr Ordinance, 1980, once a year (typically around Ramadan) from eligible savings and similar accounts above a government-notified Nisab, and remit it to the official Zakat fund. That system only covers specific account types and a specific date. Your own personal Zakat obligation, covering all your Zakatable assets on your own Hawl date, is separate, and you can adjust your personal calculation to account for whatever was already deducted at source.
Generally yes. Business stock held for resale is Zakatable at its current market or resale value, and receivables you genuinely expect to recover are also included. Bad or doubtful debts unlikely to be recovered are typically excluded until actually received. Business Zakat can get complex quickly, so we're happy to review your specific situation.
Tell us about your assets and one of our consultants will get back to you, or reach us directly on WhatsApp.
