🌙 Zakat Calculator
Total your zakatable wealth, compare it with the nisab on a gold or silver basis and find the zakat due at 2.5%.
Quick answer: Zakat is 2.5% of net zakatable wealth held for a full lunar year, once it reaches the nisab. For example, net wealth of Rs 950,000 exceeds the silver nisab (612.36 g × Rs 400 = Rs 244,944), so zakat due is Rs 23,750.
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Zakat Calculator inputs
Result
Zakat due
Rs 23,750.00
2.5% of Rs 950,000.00 net zakatable wealth
| Total zakatable assets | Rs 1,050,000.00 |
| Less debts due now | −Rs 100,000.00 |
| Net zakatable wealth | Rs 950,000.00 |
- Nisab (612.36 g silver)
- Rs 332,229.79
- Above nisab?
- Yes
Live silver price Rs 542.54/g · updated Sun, 11 Oct 2026 07:05:36 UTC. Gold: 24k spot price; silver: pure spot price. Local retail prices can differ slightly.
Your assets
| Cash & bank balances | Rs 500,000.00 |
| Gold | Rs 300,000.00 |
| Silver | Rs 0.00 |
| Investments & shares | Rs 200,000.00 |
| Business assets | Rs 0.00 |
| Money owed to you | Rs 50,000.00 |
| Total | Rs 1,050,000.00 |
Please confirm your calculation, especially for business assets, pensions and debts, with a qualified scholar.
How zakat is calculated
Zakat is one of the five pillars of Islam – an obligatory annual purification of wealth paid to those entitled to receive it. It is due on savings and trading wealth that has reached the nisab threshold and been held for one lunar year (hawl).
Net zakatable wealth = Zakatable assets − Debts due now · Zakat = Net wealth × 2.5% (if Net wealth ≥ Nisab)
Worked example
A household in Pakistan has Rs 500,000 in the bank, gold worth Rs 300,000, shares worth Rs 200,000 and Rs 50,000 owed to them by a relative. Bills of Rs 100,000 are due now.
- Zakatable assets: Rs 1,050,000
- Net zakatable wealth: Rs 1,050,000 − Rs 100,000 = Rs 950,000
- Silver nisab at Rs 400/g: 612.36 × 400 = Rs 244,944 – the wealth is above it
- Zakat due: Rs 950,000 × 2.5% = Rs 23,750
Gold or silver nisab?
| Basis | Weight | Note |
|---|---|---|
| Gold | 87.48 g (7.5 tola) | Higher threshold |
| Silver | 612.36 g (52.5 tola) | Lower threshold; widely recommended for mixed assets and cash |
The calculator fills in today’s live gold and silver prices automatically, converted to your local currency (detected from your location – you can change it). Prices refresh hourly. If your local market price differs, simply type your own price per gram.
Practical guidance
- Value gold, silver and shares at their market value on your zakat date.
- For shares, some scholars allow zakat on only the zakatable portion of a company’s assets; long-term holders should seek guidance.
- Pension funds you cannot access, and personal-use items such as your home and car, are generally exempt.
- Views differ between schools of thought on jewellery worn regularly, retirement savings and debts. Please consult a knowledgeable scholar for your circumstances.
This calculator gives an estimate for educational purposes and is not a religious ruling (fatwa) or financial advice.
Estimates for educational purposes, not financial or tax advice.
Frequently asked questions
What is the nisab for zakat?
The nisab is the minimum wealth on which zakat becomes obligatory: the value of 87.48 grams of gold or 612.36 grams of silver. Because silver is much cheaper, the silver nisab is far lower, and many scholars recommend it for cash savings as it benefits more people in need.
Which assets are zakatable?
Cash and bank savings, gold and silver, shares and funds held for growth, business stock and cash, and money owed to you that you expect to recover. Your home, personal car, furniture and everyday clothing are not zakatable.
Can I deduct debts from zakat?
Most scholars allow you to deduct debts and bills that are due now – such as this month’s rent, overdue bills or the current instalment of a loan – but not the entire outstanding balance of a long-term loan or mortgage.
When should I pay zakat?
Zakat is due once your wealth has stayed at or above the nisab for one full lunar year (hawl). Many people choose a fixed date, often in Ramadan, and calculate their wealth on that day each year.