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Zakat = rate × (assets − debts) when the net wealth reaches the nisab (grams × price per gram) and a lunar year has passed. Scholars differ on details; follow the opinion you rely on.
How the calculator works
Zakat is the obligatory annual charity on wealth that stays above a minimum threshold, the nisab, for a full lunar year (the hawl). The calculator follows the standard method:
- Add up your zakatable assets: cash, bank balances, gold and silver, trade goods, and the zakatable part of investments.
- Subtract deductible liabilities, meaning debts that reduce your wealth on your zakat date.
- Compare the result with the nisab, worked out from the gold or silver weight the calculator uses and the price per gram you enter.
- If net wealth is at or above the nisab, the calculator applies the standard zakat rate and shows the amount due. If it is below, no zakat is due on that wealth.
The calculator does not fetch prices. Enter the current price per gram from a gold market or jeweller you trust. Our Gold in Pakistan page explains how local prices are quoted. If any of your assets are in foreign currency, convert them at the rate on your zakat date. See Exchange rates for where official rates are published.
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Zakat nisab: gold or silver
The nisab is the point where zakat comes into question. Classical sources set it as a weight of gold and a weight of silver. Today the two give very different rupee amounts, because silver is much cheaper. The calculator lets you choose:
| Option | Who follows it | Effect |
|---|---|---|
| Silver nisab | The traditional Hanafi position, widely used in Pakistan; many scholars prefer it for cash because it benefits the poor | Lower threshold, so more people pay zakat |
| Gold nisab | Many contemporary scholars and fatwa bodies, on the reasoning that gold better reflects the value the nisab was meant to have | Higher threshold, so fewer people pay zakat |
Both are recognised scholarly positions. We do not choose between them. Ask a scholar or mufti you trust which one applies to you.
Which assets count
- Cash and bank balances, including savings and current accounts, at their value on your zakat date.
- Gold and silver at current market value. Scholars differ on jewellery kept for personal use. The Hanafi school counts it as zakatable. The majority of the other schools generally do not. The calculator shows which view each setting follows. Details are on Zakat on gold.
- Trade goods, meaning stock held for sale, at market value.
- Shares and funds. Some scholars apply zakat to the full market value of shares held for trading. For long-term holdings, others apply it only to the company's zakatable assets per share. See Zakat on investments and Halal stocks.
- Money owed to you that you expect to recover. Doubtful debts are treated differently by different scholars.
- Trading account balances at a broker, at the cash value on your zakat date. Remember that a leveraged CFD or forex balance can fall quickly, so it should be valued on the day itself. Leveraged trading can lose money fast.
Your home, personal car, household items and tools of your work are generally not zakatable.
Which debts you can deduct
Scholars treat this point differently:
- Hanafi view: debts reduce zakatable wealth.
- Shafi'i view: debts do not reduce zakatable wealth.
- A common contemporary approach, used by a number of fatwa councils and in AAOIFI's Shariah standard on zakat (AAOIFI is the Accounting and Auditing Organization for Islamic Financial Institutions): for long-term loans such as a house or car finance, deduct only the instalments due in the coming year, not the whole balance.
The calculator labels each deduction setting with the view it follows. For interest-bearing loans, also read Riba explained.
Zakat in Pakistan: bank deduction
Under Pakistan's zakat law, banks deduct zakat from certain accounts on the first day of Ramadan. Some people can file a declaration to be exempt from this deduction. Whether a bank deduction covers what you owe depends on your situation. Check the current rules with your bank. Our Payments, tax, Islamic banking page has more background.
Our position
This page gives you a calculation, not a fatwa. We present the main opinions fairly and do not issue rulings. For your own case, especially business assets, shares, jewellery or large debts, consult a qualified scholar or your local fatwa council. For wider context, see Islamic finance.
Frequently asked questions
How do I calculate zakat?
Add your zakatable assets and subtract deductible debts. If the result is at or above the nisab, apply the standard zakat rate. The calculator above does this for you.
Should I use the gold or silver nisab?
Both are valid scholarly positions. The silver nisab is the traditional Hanafi view and gives a lower threshold. The gold nisab is preferred by many contemporary scholars. Ask your scholar.
Where do I get the gold or silver price?
Use the current local price per gram from a market source you trust, on your zakat date. The calculator does not load prices automatically.
Is zakat due on jewellery I wear?
It is in the Hanafi school. Most other schools generally say it is not. The calculator lets you include or exclude it.
Does my bank's zakat deduction cover everything?
Not necessarily. It applies to certain accounts only. Your other assets may still need to be calculated and paid separately.