2.5% Zakat · Gold & Silver Nisab · Pakistan

Zakat Calculator Pakistan 2026

Add up what you own, subtract what you owe now, and see whether you've reached Nisab and how much Zakat is due. Covers cash, bank balances, gold, silver, shares and business stock.

Zakat Assets & Liabilities

Silver Nisab is generally advised for mixed assets. Values use Sarafa rates of 3 October 2026; enter today's rate below for an exact figure.

💰 Zakatable Assets
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Not sure of your gold's value? Use the gold Zakat calculator to convert tola/grams and karat into rupees.

📉 Debts Due Now
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☪️ What is Zakatable?

  • Include: cash, bank balances, gold and silver (including jewellery in the Hanafi view), shares and funds, business stock, money others owe you
  • Exclude: your home, personal car, furniture, clothes, tools and business equipment
  • Zakat is due when net wealth stays at or above Nisab for one lunar year (hawl)
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Enter your assets and debts to calculate your Zakat.

⚖️ Nisab today

Rs 345,345Silver (52.5 tola)
Rs 3,304,770Gold (7.5 tola)

Related

How it works

How Zakat is calculated

Zakat = 2.5% × (Zakatable assets − debts due now), if the result is at or above Nisab

  1. Pick your Zakat date — usually the same Islamic date each year, often in Ramadan.
  2. On that date, add the value of your cash, bank balances, gold, silver, shares and business stock, plus money you expect to get back.
  3. Subtract debts and bills that are payable now.
  4. If the result is at or above Nisab, pay 2.5% of it.

Example

Ayesha has Rs 150,000 cash, Rs 400,000 in the bank and gold jewellery her jeweller values at Rs 1,000,000 at today's rate. She owes a Rs 50,000 instalment this month. Net wealth is Rs 1,500,000, which is above both Nisab values, so her Zakat is 2.5% × 1,500,000 = Rs 37,500.

Read the full Zakat guide for more cases (business stock, shares, loans given), or see current Nisab values explained.

Last reviewed: 3 October 2026

This calculator follows the approach most widely used in Pakistan (Hanafi). For your own situation, especially business assets or jewellery, ask a qualified scholar.

Sources

  • Gold and silver: Karachi Sarafa benchmark rates, 3 October 2026
  • Nisab weights: 87.48 g gold (7.5 tola), 612.36 g silver (52.5 tola)

Estimates for planning only — not tax or religious advice. See our disclaimer, and tell us if you spot an error.

FAQ

Zakat questions

What is the Zakat rate?
Zakat is 2.5% (one-fortieth) of your net Zakatable wealth, payable once a lunar year has passed while your wealth was at or above Nisab.
Should I use the gold or silver Nisab?
Most Pakistani scholars, following the Hanafi school, advise using the silver Nisab when your wealth is a mix of cash, savings and other assets, because it is lower and so more people pay Zakat to the poor. If you own only gold, the gold Nisab (7.5 tola) applies to it. Ask a scholar you trust if unsure.
Which debts can I subtract?
Subtract debts and bills that are due now or within the coming months — for example a loan instalment, unpaid utility bills or money owed to a supplier. Long-term loans such as a house loan are usually deducted only for the instalments currently due, not the full outstanding balance.
Do I pay Zakat on my house, car or jewellery I wear?
No Zakat is due on your home, personal car, furniture or clothes. Gold and silver jewellery is Zakatable in the Hanafi school even if worn; some other schools exempt jewellery for personal use.
My bank deducted Zakat on 1 Ramadan. Do I still need to pay?
Banks deduct compulsory Zakat on savings accounts above the government's notified Nisab on the first day of Ramadan. That amount counts toward your Zakat on that balance, so subtract it from what this calculator shows. You can submit a Zakat declaration (CZ-50) to your bank if you prefer to pay yourself.
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