2.5% OF ZAKATABLE WEALTH ABOVE NISAB
Zakat Calculator Pakistan 2026
Work out your annual Zakat on cash, gold, silver, business stock and receivables — using the silver nisab threshold.
Nisab = value of 52.5 tola (612.36g) of silver. Update the silver price to today’s rate for an accurate threshold. Zakat is due only if your wealth has been held for one full lunar (Hijri) year.
Understanding Nisab: The Threshold That Decides If Zakat Is Due
Zakat isn’t owed on every rupee you have — it only becomes obligatory once your total zakatable wealth crosses the Nisab threshold, traditionally set at the value of 52.5 tolas (612.36 grams) of silver, and held for a full lunar year (Hawl). Most scholars in Pakistan use the silver Nisab rather than the gold Nisab because it’s lower, meaning more people qualify to pay — and more people in need receive support. Since silver prices move daily, this calculator lets you enter the current per-gram rate so the Nisab figure stays accurate rather than relying on an outdated fixed number.
What Counts as Zakatable Wealth
- Cash held at home, in bank accounts, or in mobile wallets (JazzCash, Easypaisa balances included)
- Gold and silver jewellery and bullion you own, at current market value
- Stocks, mutual funds, and business inventory held for trading or investment purposes
- Money owed to you that you reasonably expect to recover (receivables, loans given to others)
Outstanding debts you owe to others are subtracted from this total before checking against Nisab — you only pay Zakat on your net zakatable wealth, not your gross assets.
Worked Example
Say you have Rs. 800,000 in savings, gold worth Rs. 600,000, and Rs. 150,000 someone owes you that you expect to get back, but you also owe Rs. 200,000 on a personal loan:
- Total assets: Rs. 800,000 + Rs. 600,000 + Rs. 150,000 = Rs. 1,550,000
- Net wealth after debt: Rs. 1,550,000 − Rs. 200,000 = Rs. 1,350,000
- Nisab at, say, Rs. 7,100/gram silver: 52.5 × Rs. 7,100 ≈ Rs. 372,750
- Above Nisab? Yes, comfortably — Zakat is due
- Zakat owed: Rs. 1,350,000 × 2.5% = Rs. 33,750
Why the Silver Price You Enter Matters
Because Nisab is 52.5 grams of silver valued at today’s rate, a swing in the silver market can move you across the Nisab line even if your own savings haven’t changed. Checking the current rate from a trusted source like the Sarafa Bazaar rate or your local jeweller before calculating gives you a far more accurate answer than using a number from months ago.
Common Mistakes People Make With Zakat Calculations
- Forgetting to subtract debts. Zakat is due on net wealth, not gross assets — loans and money you owe others reduce your zakatable base.
- Using an outdated silver price. Since Nisab shifts with the silver market, an old rate can wrongly push you above or below the threshold.
- Excluding jewellery “for personal use.” Most schools of thought still count gold and silver jewellery towards zakatable wealth regardless of whether you wear it regularly — this is one of the most commonly misunderstood points.
- Ignoring receivables owed to you. Money you’ve lent out that you expect to recover is still part of your zakatable wealth for the year, even though it isn’t in your hand right now.
Zakat is a religious obligation calculated independently of your FBR income tax return — paying Zakat doesn’t reduce your taxable income, and filing taxes doesn’t affect your Zakat liability. If you’re also tracking your overall tax position, the Pakistan Income Tax Guide covers how salary, savings, and investment income are taxed separately from your religious obligations.
Frequently Asked Questions
How is Zakat calculated?
Zakat is 2.5% of your net zakatable wealth — cash, gold, silver, business inventory and money owed to you, minus debts you owe — provided that wealth is at or above the nisab threshold and has been held for one full lunar (Hijri) year.
What is nisab and how is it set?
Nisab is the minimum wealth threshold below which Zakat isn’t obligatory. This calculator uses the silver standard: the value of 612.36 grams (52.5 tola) of silver, which is generally lower than the gold nisab and considered more inclusive for Zakat purposes.
Do I include gold jewellery I wear regularly?
Scholars differ on personal-use gold and silver jewellery. Many hold it is zakatable regardless of use; others exempt jewellery worn regularly. Include it if you follow the view that it’s zakatable, or consult a scholar you trust for your specific school of thought.
Is this calculator a religious ruling?
No. This tool applies the standard 2.5% Zakat rate and silver nisab as a general estimate. For your specific situation, especially around jewellery, agricultural produce, or business partnerships, consult a qualified scholar.
Do I pay Zakat on my provident fund or pension savings?
Generally, Zakat is due on retirement savings you can freely access and control, but many scholars hold that mandatory provident or pension funds you cannot withdraw from until retirement are not zakatable until you actually receive the money, since you don’t have full possession of it. Once withdrawn and sitting in your account for a full lunar year, it becomes part of your normal zakatable wealth calculation like any other cash holding.