Zakat Calculator
Calculate annual Zakat obligation at 2.5% of total zakatable assets above Nisab.
Zakat
How This Calculator Works
Calculate annual Zakat obligation at 2.5% of total zakatable assets above Nisab. Banks deduct Zakat automatically on 1st Ramadan from eligible accounts.
Zakatable vs Non-Zakatable Assets
| Asset | Zakatable? | Notes |
|---|---|---|
| Cash/bank savings | Yes | All cash above Nisab |
| Gold (above 7.5 tola) | Yes | Market value, not purchase price |
| Silver (above 52.5 tola) | Yes | Rarely held in quantity |
| Stocks/mutual funds | Yes | Current market value |
| Business inventory | Yes | Market value of stock |
| Rental income (if saved) | Yes | Saved rental income is zakatable |
| Personal home | No | Exempt regardless of value |
| Personal vehicle | No | Exempt |
| Household items | No | Furniture, appliances, clothing |
How Zakat Is Calculated
Zakat is 2.5% of total zakatable wealth held above Nisab for one complete lunar year. The Nisab threshold equals 7.5 tola of gold (87.48g) or 52.5 tola of silver (612.36g) — most scholars recommend using the silver Nisab as it's lower in PKR terms, making more people eligible to pay. Calculate your total zakatable wealth: cash + gold + silver + investments + business inventory + receivables, then subtract any debts you owe.
Pakistani banks auto-deduct Zakat on 1st Ramadan from savings accounts above Nisab. However, this covers only bank savings — not gold, investments, or business inventory. Calculate your full obligation here and pay the difference directly to eligible recipients. Filing a CZ-50 form at your bank prevents auto-deduction if you prefer to calculate and distribute Zakat yourself.
Gold-specific: gold Zakat calculator. For savings profit: Easypaisa savings. Islamic finance options: Easypaisa investment.
The timing matters: Zakat becomes due when your wealth has been above Nisab for one full lunar year. Most Muslims use 1st Ramadan as their annual calculation date, but any consistent date works. If your wealth drops below Nisab during the year and then rises back above, the one-year clock resets from when it last crossed the threshold.
Zakat Calculation — Step-by-Step Example
Step 1 — List your zakatable assets: Bank savings: Rs. 800,000. Gold (3 tola): Rs. 770,000. Mutual funds: Rs. 200,000. Business receivables: Rs. 150,000. Total: Rs. 1,920,000.
Step 2 — Subtract debts you owe: Personal loan: Rs. 200,000. Credit card balance: Rs. 50,000. Total debts: Rs. 250,000. Net zakatable wealth: Rs. 1,670,000.
Step 3 — Check against Nisab: Current silver Nisab: approximately Rs. 150,000. Your wealth (Rs. 1,670,000) exceeds Nisab. Zakat is due.
Step 4 — Calculate Zakat: 2.5% × Rs. 1,670,000 = Rs. 41,750. This is your annual Zakat obligation across all assets. If your bank already deducted Rs. 20,000 (2.5% of your Rs. 800,000 savings), you owe the remaining Rs. 21,750 on gold, investments, and receivables — payable directly to eligible recipients.
Common error: Many people believe bank Zakat deduction covers their full obligation. It covers only bank savings. Gold, mutual funds, stocks, business inventory, and cash in hand all require separate Zakat payment that you calculate and distribute yourself.
When dealing with zakat calculator, verify current requirements directly with the issuing authority before starting the process. Government procedures in Pakistan update periodically through administrative notifications that may not be immediately reflected on websites or in published guides. A 2-minute confirmation call to the relevant office or helpline prevents wasted trips with outdated documentation.
Estimates only. Results are approximate based on standard formulas and current rates. Actual amounts may vary. Use for planning — verify with official sources for exact figures.
Zakat Calculator — Annual Obligation
Cash savings, gold, silver, investment portfolios, business inventory, and receivables. Property for personal use, vehicles, and household items are exempt.