🌙 Zakat Calculator

Zakat Calculator Pakistan 2024

Zakat is one of the five pillars of Islam — an annual 2.5% wealth obligation on Muslims whose net assets exceed the Nisab threshold and have been held for a full lunar year. This free Zakat calculator for Pakistan covers all major asset categories: gold, silver, cash, bank savings, stocks, mutual funds, and business inventory. Enter your holdings and any short-term debts — the calculator compares your total to the Nisab threshold (in PKR based on current gold and silver prices) and shows your exact Zakat obligation for the year.

Your Assets

Enter assets held for a full lunar year (Hawl)

💵 Cash & Savings
Rs
Rs
🥇 Gold
Rs
🥈 Silver
Rs
📦 Business & Receivables
Rs
Rs
📈 Stocks & Mutual Funds
Rs
Current market value of all shares held (PSX or otherwise)
Rs
Current NAV of all mutual fund units held (money market, equity, income)
➖ Deductions (Liabilities)
Rs
Nisab Calculation Basis
Silver (612g)
Gold (87.48g)
Most scholars recommend silver nisab as it benefits more people. Nisab value shown in results.
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Add your assets above to check Zakat eligibility
Your total zakatable assets will be compared to the current Nisab threshold
Zakat Due
Rs 0
2.5% of zakatable assets
Zakatable Assets
Rs 0
After deducting debts
Nisab Threshold
—
Based on silver price
Progress towards Nisab 0% of Nisab
Rs 0 Nisab
Asset Breakdown
Asset Summary
Enter your assets to see breakdown
Zakat Calculation Breakdown
Asset Category Value (PKR) Zakatable Zakat (2.5%)

Understanding Zakat in Pakistan

Zakat is the third pillar of Islam and an obligatory annual charity of 2.5% on accumulated wealth that has been held for a full lunar year (Hawl) and meets or exceeds the Nisab threshold.

Silver Nisab
612.36 grams
≈ Rs 2,14,000 at current silver price (~Rs 350/g). Most scholars prefer this as it includes more people.
Gold Nisab
87.48 grams
≈ Rs 22,74,000 at current gold price (~Rs 26,000/g). Higher threshold — fewer people qualify.

How to Use

  1. Enter the weight of your gold (in tola or grams) and silver holdings. The calculator uses the current market price to convert to PKR.
  2. Add your cash and bank savings, the current market value of any stocks or mutual funds, and the value of business inventory.
  3. Enter any short-term debts due within the year — these are deducted from your total zakatable assets before calculating.
  4. The calculator compares your net wealth to the Nisab threshold (7.5 tola of gold or 52.5 tola of silver) and shows your Zakat obligation at 2.5%.

Frequently Asked Questions

Who is obligated to pay Zakat?
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A Muslim who is sane, adult (post-puberty), free, and possesses wealth above the Nisab threshold for a complete lunar year (Hawl) is obligated to pay Zakat. The wealth must be of a productive nature — cash, gold, silver, business inventory, and certain receivables. Personal belongings, your house, car, and clothing are generally exempt.
Is jewelry gold/silver included in Zakat?
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Most Hanafi scholars (followed by the majority in Pakistan) hold that gold and silver jewelry used by women is zakatable if it reaches Nisab. Some scholars exempt jewelry regularly worn for personal use. It's recommended to consult a trusted Islamic scholar for your specific situation.
When should Zakat be paid?
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Zakat becomes due after one complete lunar year (354 days) has passed on wealth that equals or exceeds the Nisab. Many Muslims choose to pay in Ramadan for extra spiritual reward, but it can be paid anytime after the Hawl year completes. It must not be delayed without valid reason.
Can I deduct outstanding loans from my Zakat?
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Yes. Short-term debts (due within the Zakat year) can generally be deducted from your total zakatable assets before calculating the 2.5%. Long-term loans (like a mortgage) are handled differently — some scholars allow deducting only the installment due within the year. This calculator deducts all debts you enter, but consult a scholar for complex situations.
Is Zakat due on stocks and mutual funds?
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Yes. Most contemporary scholars agree that Zakat is due on the current market value of shares and mutual fund units held for a full lunar year (Hawl). For shares held as a long-term investment (not for trading), some scholars say Zakat applies only to the zakatable portion of the company's underlying assets — but the simplified and widely-accepted approach is to pay 2.5% on the current market value. For money market or income mutual funds, Zakat applies on the full NAV value. Consult your scholar if you hold a large or complex portfolio.
Who can receive Zakat?
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The Quran specifies 8 categories of eligible recipients (Quran 9:60): the poor, the needy, Zakat collectors, those whose hearts are to be reconciled, slaves seeking freedom, debtors, those in the way of Allah, and travelers in need. Zakat cannot be given to the Zakat-payer's own dependents or non-Muslims (with limited exceptions).