Calculate your obligatory Zakat accurately based on authentic Islamic principles. Nisab auto-checked.
Only deduct debts that are immediately due. Long-term mortgages or car loans are generally not fully deductible — only the current installment. Consult your scholar for complex cases.
آپ کی زکوٰۃ کی رقم:
اللہ تعالیٰ آپ کی زکوٰۃ قبول فرمائے۔ آمین
Nisab: Zakat is obligatory when your net wealth equals or exceeds the Nisab threshold maintained for one full lunar year (Hawl). The silver nisab (612.36g) is more commonly used by scholars today as it benefits the poor.
Rate: Zakat is exactly 2.5% (1/40th) of your net zakatable wealth.
What is Zakatable: Cash, bank balances, gold/silver, business inventory, investments, property bought for resale, and debts owed to you.
What is NOT Zakatable: Personal home, personal car, personal jewelry used regularly (Hanafi: jewelry worn by women is exempt), tools of trade, household items.
Disclaimer: This calculator is for guidance only. Please consult a qualified Islamic scholar (Mufti) for complex situations.
Zakat is one of the Five Pillars of Islam — an obligatory annual payment of 2.5% of a Muslim's qualifying accumulated wealth above the Nisab threshold. Unlike income tax, Zakat is not calculated on income earned; it is calculated on net wealth that has been held for a full lunar year (Hawl) and exceeds the Nisab minimum. Understanding exactly what qualifies as Zakatable wealth, what the Nisab threshold is in Pakistani Rupees, and how to handle different asset types is the core challenge this calculator addresses.
Paying Zakat accurately is a religious obligation with significant spiritual consequences — underpaying is a failure to fulfil the third pillar, while overpaying is not required. This calculator helps you determine your obligation precisely.
Nisab is the minimum threshold of wealth above which Zakat becomes obligatory. It was defined by the Prophet Muhammad ﷺ in terms of silver and gold:
| Standard | Quantity | Approx. PKR Value (varies with gold/silver prices) | Scholarly Recommendation |
|---|---|---|---|
| Gold Nisab | 87.48 grams (7.5 tola) | ~Rs 900,000–1,100,000 | Higher threshold |
| Silver Nisab | 612.36 grams (52.5 tola) | ~Rs 80,000–100,000 | Lower threshold — most scholars recommend this as it includes more people |
Most contemporary Islamic scholars (including Darul Uloom Karachi and many South Asian Muftis) recommend using the silver Nisab because it is more consistent with the Prophet's ﷺ intent of ensuring Zakat reaches those who need it most. The calculator offers both options.
| Asset Type | Zakatable? | Notes |
|---|---|---|
| Cash (PKR, foreign currency) | ✅ Yes | Bank balance + cash in hand |
| Gold jewellery | ✅ Yes | All gold, including jewellery worn regularly |
| Silver | ✅ Yes | All silver items |
| Business inventory | ✅ Yes | Market value of goods held for sale |
| Investments (shares, mutual funds) | ✅ Yes | Market value on Zakat date; some scholars use only liquid component |
| Personal home (residence) | ❌ No | Personal use property is not Zakatable |
| Vehicle (personal use) | ❌ No | Personal use items are exempt |
| Property (for rental income) | ⚠️ Partial | Zakat on the rental income accumulated, not property value |
Zakat is due on the completion of one Hawl (lunar year) from when your wealth first reached Nisab. Many Muslims conveniently calculate and pay Zakat during Ramadan for the multiplied spiritual reward of the blessed month — but technically, your personal Zakat date is the anniversary of when you first held Nisab-qualifying wealth. If you're unsure of your Hawl date, using 1 Ramadan as a consistent annual date is an accepted practice.
Under the Zakat and Ushr Ordinance 1980, Pakistani banks deduct Zakat at 2.5% from savings accounts that exceed the Nisab threshold on the first day of Ramadan. This is the government's Zakat collection system, separate from your personal Zakat obligation. If you wish to calculate and distribute Zakat yourself (to specific recipients), you can file a CZ-50 form (Declaration for Exemption from Zakat Deduction) at your bank to opt out of automatic deduction.
The Quran (9:60) specifies 8 categories: the poor (Fuqara), the needy (Masakeen), Zakat administrators, those whose hearts are to be reconciled, freeing slaves (no longer applicable), those in debt (Gharimeen), in the way of Allah (Fi Sabilillah — Islamic education, da'wah), and travellers in need (Ibn as-Sabeel). The most common recipients are the poor and needy. Zakat cannot be given to one's parents, grandparents, children, grandchildren, or spouse.
According to the Hanafi school (dominant in Pakistan), Zakat is obligatory on all gold and silver jewellery, including jewellery worn regularly by women. This is the mainstream South Asian scholarly position. Maliki, Shafi, and Hanbali schools have differing positions on worn jewellery. If you follow Hanafi jurisprudence (as most Pakistani Muslims do), include the market value of all gold jewellery in your Zakat calculation.
Zakat on cash and monetary assets should generally be paid in cash or its monetary equivalent so recipients can use it for their most pressing needs. Paying Zakat in kind (food, clothing) is permissible but less flexible for recipients. Sadaqah (voluntary charity) can freely be given in kind. For Zakat al-Fitr (the separate obligatory charity of Eid ul-Fitr), the Hanafi position allows cash equivalent to the value of one sa' of food.