Zakat Calculator Pakistan 2026
Calculate zakat in rupees on cash, gold, silver, business stock and investments after debts, using 2.5% and nisab.
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Worked example
Example: Rs. 1,500,000 in cash and savings, no gold or debts, with a nisab of Rs. 300,000 (the nisab depends on today's silver price, which you enter above).
| Zakatable wealth | Rs. 1,500,000 |
|---|---|
| Zakat (2.5%) | Rs. 37,500 |
How the Zakat Calculator Pakistan 2026 works
Add your cash, gold, silver, business stock and investments, deduct immediate debts, and compare the total with nisab. If it is above nisab, 2.5% is payable.
Formula: Zakat = 2.5% × (Zakatable assets − Liabilities), if above nisab
What to know before you calculate
Zakat is 2.5% of zakatable wealth held for one lunar year above nisab. Zakatable wealth normally includes cash, savings, gold and silver, business stock and money owed to you, minus immediate debts. Your home, car and household goods for personal use are generally not included.
Who pays zakat and on what
Zakat is 2.5% of zakatable wealth for an adult Muslim whose wealth stays at or above the nisab for one full lunar (Hijri) year. Zakatable wealth includes cash at home and in the bank, gold and silver in any form, stock held for trade, money owed to you that you expect to receive, and investments bought for resale.
Your own house, car, furniture, household items and the tools of your trade are not zakatable. Deduct debts that are due now (for example an unpaid bill or an installment that has fallen due) before checking the nisab.
Nisab: gold or silver?
The nisab is 7.5 tola (about 87.48 grams) of gold or 52.5 tola (about 612.36 grams) of silver. Because silver is much cheaper, the silver nisab is far lower. Many scholars in Pakistan advise using the silver nisab when your wealth is a mix of cash, gold and other assets, because that is better for the poor; if you own only gold, the gold nisab applies. Enter today's rate per tola, since gold and silver prices change daily.
Bank deduction on the first of Ramazan
In Pakistan, zakat is also deducted at source from savings and profit-and-loss sharing accounts on the first day of Ramazan when the balance is at or above the nisab notified by the government. For Ramazan 1447 AH (2026) the Ministry of Poverty Alleviation and Social Safety notified Rs. 503,529. Current accounts are not subject to this deduction.
Under the Zakat and Ushr Ordinance, an account holder can submit a declaration (commonly called the CZ-50 form) to the bank to be exempted from compulsory deduction, for example to pay zakat personally. Banks set a deadline before Ramazan, so ask your branch early. If zakat was deducted from your account, count it against what you owe for the year.
A simple example
Cash and bank balance of Rs. 1,200,000 with Rs. 200,000 of debt due now leaves Rs. 1,000,000. If that is above the nisab and a lunar year has passed, zakat is Rs. 1,000,000 × 2.5% = Rs. 25,000. Add your gold and silver at today's rate to get the full figure, and ask a scholar about business assets, pensions or shares.
Tips for accurate results
Fix one zakat date each year and value everything on that date. Enter gold and silver at the day's rate per tola from a reliable jeweller or the Sarafa association, and subtract only debts that are due now.
Official sources: Council of Islamic Ideology.
Roman Urdu mein
Cash, sona, chandi, karobari maal aur investment daalein, qarz minhaa karein. Agar total nisab se zyada ho aur ek qamari saal guzar chuka ho to 2.5% zakat banti hai.
Frequently asked questions
Is my house or car zakatable?
Personal-use property such as your home and car is generally not zakatable; property held for trade is. Ask a qualified scholar about your situation.
What is the nisab for zakat in Pakistan?
Nisab is 52.5 tola of silver or 7.5 tola of gold. Many scholars in Pakistan use the silver nisab as it is lower.
Is zakat due on jewellery?
According to the Hanafi school, zakat is due on gold and silver jewellery if it reaches nisab.
When should I pay zakat?
Zakat is due after one lunar year has passed with wealth above nisab. Many people pay in Ramadan.
Is zakat deducted from every bank account?
Compulsory deduction applies on the first of Ramazan to savings and profit-and-loss sharing accounts at or above the government-notified nisab. Current accounts are not deducted, and account holders can file an exemption declaration with their bank before the deadline.
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Disclaimer: results are estimates for general information. Confirm figures with the official authority, bank, institution or a qualified professional.