🕌 Zakat Calculator Pakistan 2026

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How Much Zakat Do I Have to Pay?

Zakat is 2.5% of your zakatable wealth (cash, bank savings, gold, silver, investments and business stock, minus debts due now) if it has stayed above the nisab for one lunar year. Nisab is the value of 612.36 g of silver or 87.48 g of gold at today's price. So Rs 1,000,000 of net wealth means Rs 25,000 zakat.

How to Use the Zakat Calculator

1. Choose the silver (Hanafi, lower threshold) or gold nisab.
2. Enter today's gold and silver price per gram in your currency. Prices change daily and set the nisab.
3. Add your cash, bank balances, gold and silver (investment and jewellery separately), crypto, investments and business stock.
4. Subtract debts and bills due now, then read your net zakatable wealth, the nisab and the zakat due.

Zakat Formula and Worked Example

Zakat = 2.5% × (zakatable assets − short-term debts), payable only if the net amount is at or above the nisab.

A quick shortcut: 2.5% is the same as dividing by 40. For a full walkthrough with gold, silver and savings, read how to calculate zakat on gold, silver and savings, and for the threshold itself see what nisab means.

Zakat in Pakistan: Bank Deduction and CZ-50

• Under the Zakat and Ushr Ordinance 1980, banks deduct 2.5% zakat at source from savings and other profit-bearing accounts on the 1st of Ramazan.
• The deduction only applies if the balance that day is at or above the government's notified nisab: Rs 503,529 for 1447 AH (Ramazan 2026). This figure is announced again each year.
• Current accounts that earn no profit are not subject to the deduction.
• You can apply for exemption by submitting a CZ-50 declaration (on stamp paper, attested) to your bank before Ramazan, for example if you calculate and pay zakat yourself or follow a school of thought that differs on the deduction.
• Bank deduction covers only that account. Zakat on gold, cash at home, other accounts and business stock is still yours to calculate, and many scholars count money already deducted by the bank towards your total; ask your scholar if unsure.

What Counts as Zakatable Wealth?

Zakatable assets typically include: cash in hand and bank accounts, money owed to you that you expect to recover, cryptocurrency held as an investment, gold and silver holdings, business inventory and trade goods, and investments or savings certificates. From this total, you subtract short-term liabilities — debts and bills currently due, not your full outstanding loan balance — to arrive at your net zakatable wealth.

Understanding Nisab: Gold vs Silver Standard

Nisab is the minimum wealth threshold below which Zakat isn't obligatory. It's cited as either 87.48 grams of gold (sometimes cited as ~85 grams, since the classical measure of 20 mithqals converts slightly differently depending on the mithqal-to-gram estimate used) or 612.36 grams of silver. The Hanafi school specifically applies the silver nisab to cash and mixed assets — since silver's market value is lower, this gives a lower threshold, meaning more people qualify to pay, which is why several contemporary scholars and Islamic finance bodies recommend it. The Maliki, Shafi'i and Hanbali schools traditionally apply the gold nisab to cash and mixed assets instead. Both are considered valid; use whichever your own understanding or local scholarly guidance follows.

Zakat on Gold & Silver Jewelry: A Real Scholarly Difference

This matters and is easy to get wrong by assuming one universal answer: the Hanafi school holds that Zakat is due on all gold and silver regardless of form, including jewelry worn every day — there is no personal-use exemption. The Maliki, Shafi'i and Hanbali schools (the majority position) hold that jewelry genuinely worn for personal adornment, not hoarded or bought for trade, is exempt from Zakat. This calculator separates "investment/savings" gold and silver from "personal jewelry" so you can apply whichever ruling matches your own school — investment and stored gold/silver remain zakatable under every school.

Zakat on Cryptocurrency

Cryptocurrency didn't exist when the classical fiqh texts were written, so this is a contemporary ruling rather than a matter of consensus across centuries. That said, the dominant modern position — including AAOIFI's Shariah Standard No. 62 (2021) and Mufti Taqi Usmani's Darul Iftaa — treats crypto held for investment as a tradable asset (mal), zakatable at 2.5% of its market value on your Zakat date, the same as cash or stock. This calculator applies that treatment. It does not attempt to handle edge cases like mining income, staking rewards, or crypto used purely as a transactional currency rather than an investment — ask a knowledgeable scholar about those specifically.

Important: Update Gold and Silver Rates

Gold and silver prices change daily. Before calculating, replace the placeholder prices in this tool with today's actual per-gram rates in your local currency — using outdated prices will give you an inaccurate nisab threshold and Zakat amount.

The Hawl (One Lunar Year) Requirement

Zakat becomes due only once your net zakatable wealth has remained at or above the nisab threshold continuously for one full lunar (Islamic) year. If your wealth dropped below nisab at any point during the year and later grew again, the hawl typically restarts from when it last reached the nisab threshold. For precise guidance on your specific situation, especially around timing, consult a knowledgeable scholar.

What This Calculator Does Not Cover

Agricultural produce (zakat due at harvest, at 5% or 10% of yield depending on irrigation method) and livestock (each animal type has its own nisab count and rate) follow entirely separate rules from cash-based Zakat and are outside the scope of this tool. Complex cases — mixed business partnerships, inaccessible retirement/pension funds, disputed debts, or unusual asset structures — should be reviewed with a qualified local scholar or a trusted Zakat institution rather than relying solely on any calculator.

Zakat al-Mal vs Zakat al-Fitr

This calculator computes Zakat al-Mal, the annual 2.5% Zakat on wealth that has met nisab for a full lunar year. It does not calculate Zakat al-Fitr, a separate and much smaller fixed obligation paid by the head of a household before Eid prayers on behalf of each family member, usually set as the cash value of a specific measure of staple food and announced locally each year by mosques or Zakat bodies. If you searched for a "zakat calculator" meaning Zakat al-Fitr specifically, check with your local mosque or a Zakat institution for this year's amount instead.

Zakat on Provident Fund, Pension, or Retirement Savings

This is a genuinely nuanced area where scholarly guidance varies by fund type and access. For a mandatory provident or pension fund you cannot access before retirement, some scholars and bodies such as the UK's National Zakat Foundation hold that Zakat is not due annually since you do not control the money, while others hold it becomes due once withdrawn and in your possession, or that it should be calculated on your share each year regardless of access. This calculator has no dedicated field for locked-in retirement accounts; if you have direct access to a provident fund balance or have received a pension payout, ask a knowledgeable scholar or a Zakat institution such as Islamic Relief how to treat your specific fund rather than assuming one universal answer.

Who Receives Zakat?

This calculator only helps you work out how much Zakat you owe, not who should receive it. The Quran (Surah At-Tawbah, 9:60) specifies eight eligible categories of recipients, commonly summarized as: the poor, the needy, Zakat administrators, those whose hearts are being reconciled to Islam, people in bondage or captivity, those in debt, those striving in the cause of Allah, and travelers in need. Reputable Zakat institutions typically vet recipients against these categories before distributing funds on a donor's behalf, which is why many people choose to pay their calculated Zakat through an established charity rather than distributing it entirely on their own.

Plan your giving alongside your other goals with the savings goal calculator, or see every money tool in the financial calculators hub.

Who Uses the Zakat Calculator?

• Annual zakat: work out zakat on cash, savings, gold, silver and investments on your zakat date.
• Gold and jewellery: compare the results under different rulings on worn jewellery.
• Families: calculate zakat for each person who owns wealth above the nisab.

How the Zakat Calculator Saves You Time

Adding up every asset, converting gold and silver to their value at today's price and checking the nisab takes care and time. The calculator handles each step and shows the 2.5% due.