Calculate your Zakat accurately using the latest 2026 nisab thresholds. Ensure your mandatory charity is calculated according to Islamic principles before Eid ul Adha on June 6, 2026.
Open Zakat CalculatorZakat is the third pillar of Islam, representing a mandatory religious obligation for every eligible Muslim. The word "Zakat" literally means "to purify" or "to grow." By giving a small portion of your wealth (2.5%) to those in need, you purify your remaining assets and invite spiritual growth and blessings (Barakah) into your life.
In Pakistan, Zakat calculation is a vital part of financial planning, especially during the months leading up to Ramadan and the major Eids. With Eid ul Adha 2026 falling on June 6, many households are currently auditing their wealth to ensure they fulfil this pillar of faith correctly.
An individual is required to pay Zakat if they meet the following five conditions:
The Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes obligatory. It is based on the market price of either Gold or Silver. Most scholars in Pakistan recommend using the Silver Nisab as it is more beneficial for the poor, as it lowers the entry threshold for giving charity.
Rs. 612,797
Threshold: 87.48 Grams
Calculation: 87.48g × Current Gold Rate (2026)
1 Tola = 11.66 grams (7.5 Tola = 87.48g)
Rs. 52,051
Threshold: 612.36 Grams
Calculation: 612.36g × Current Silver Rate (2026)
52.5 Tola = 612.36g
Important Note: While gold price is often cited, the Silver Nisab (approx. Rs. 52,000+) is the standard used by major charities and the State Bank of Pakistan to determine the deduction from saving accounts.
Not all wealth is subject to Zakat. Only "productive" wealth or assets that have the potential to grow are included in the 2.5% calculation.
All cash in hand, savings accounts, current accounts, and fixed deposits.
Any form of gold or silver, including jewelry (Hanafi position), coins, and bars.
Value of stocks, mutual funds, crypto-assets, and certificates.
Market value of goods held for sale in your business or shop.
Properties bought with the intent to sell for profit (not your own home).
Crops and produce (known as Ushr), typically calculated at 5-10%.
Money you have lent to others that you are certain will be repaid.
Animals kept for trade or grazing (specific rules apply for sheep, cows, etc.).
Personal necessities and assets used to generate livelihood are exempt from Zakat. You do not need to pay 2.5% on the following:
The house you and your family live in, regardless of its value.
Cars, bikes, or vans used for your daily commute and family needs.
Furniture, appliances, electronics, and kitchenware used at home.
Computers for developers, machinery for factories, or equipment for doctors.
Your wardrobe and everyday clothing items.
Money you owe to others that is due for payment immediately.
Let's calculate Zakat for a typical Pakistani individual named Ahmed. Ahmed owns a small shop and has some savings.
| Item Description | Value (PKR) |
|---|---|
| Cash in Hand + Bank Accounts | Rs. 250,000 |
| Gold Jewelry (Current Market Value) | Rs. 180,000 |
| Shop Inventory / Goods for Sale | Rs. 120,000 |
| Less: Outstanding Utilities & Short-term Loans | - Rs. 50,000 |
| Total Zakatable Wealth (Net Assets) | Rs. 500,000 |
If you have outstanding loans, use our EMI Calculator to understand your monthly obligations before calculating net zakatable wealth.
Final Calculation
Rs. 12,500
Rs. 500,000 × 2.5% = Rs. 12,500 due as Zakat
One of the most frequent questions we receive at ToolForge is whether Zakat is due on jewelry that is actively being used. There are two primary perspectives in Islamic jurisprudence:
According to the Hanafi school, all gold and silver jewelry is subject to Zakat, regardless of whether it is worn daily, kept for special occasions, or stored as an investment. If the total weight of your gold exceeds 7.5 Tolas (87.48g), Zakat must be paid on its current market value at 2.5%.
These schools generally hold that Zakat is NOT required on gold jewelry that is for personal use and is within "reasonable" limits. However, if the jewelry is kept as a store of value or an investment, Zakat becomes mandatory.
Note: To be safe, many Muslims in Pakistan choose to pay Zakat on all jewelry to ensure they fulfil their obligations and gain more reward.
Updated May 2026 based on current gold and silver market prices in Pakistan.
| Metal | Weight | Rate (PKR) | Nisab (PKR) |
|---|---|---|---|
| Silver | 87.48 grams (7.5 tola) | PKR 250 / gram | PKR 21,870 |
| Gold | 87.48 grams (7.5 tola) | PKR 27,000 / tola | PKR 202,500 |
Scholar Recommendation: Most Pakistani scholars and major charities (Edhi Foundation, Al-Khidmat) recommend using the Silver Nisab (PKR 21,870) as the qualifying threshold. This ensures more Muslims participate in Zakat, increasing the total charity pool for the needy.
Many salaried Pakistanis wonder: do I pay Zakat on my monthly salary? The answer depends on the concept of Hawl — the requirement that wealth must have been owned for a full Islamic lunar year (approximately 354 days).
Zakat is not due on your salary the moment you receive it. It is due on the wealth you have saved and held above the Nisab for one full Islamic year. The simplest approach for salaried employees: calculate your total savings (not gross salary) at your Zakat anniversary date and apply 2.5% if it exceeds the Nisab.
| Monthly savings (set aside each month) | PKR 30,000 |
| Total savings after 12 months (Hawl) | PKR 360,000 |
| Silver Nisab threshold (May 2026) | PKR 21,870 ✓ Exceeds |
| Zakat due (PKR 360,000 × 2.5%) | PKR 9,000 |
Note: If you also have other savings, gold, or investments, add them all together before applying the 2.5% rate.
Following the Hanafi school (the predominant school in Pakistan), all gold and silver jewelry — whether worn or stored — is subject to Zakat. The nisab for gold is 7.5 tola (87.48 grams). If your household gold exceeds this threshold, Zakat is due at 2.5% of the current market value.
Tip: If your jewelry is a mix of gold and silver, calculate the current market value of each separately, sum them up, and apply 2.5% to the total if it exceeds the Nisab threshold.
To calculate Zakat on 1 tola of gold, multiply the current price of 1 tola (approx. 11.66 grams) by 2.5%. For example, if 1 tola gold is Rs. 240,000, the Zakat due on that single tola is Rs. 6,000. However, remember that Zakat is only due if your TOTAL assets exceed the Nisab threshold.
Zakat is calculated on your NET wealth. You should sum up all your zakatable assets and subtract your short-term liabilities (outstanding bills, immediate loan repayments). The resulting net figure is what you apply the 2.5% rate to.
Yes, it is permissible to pay your Zakat in installments throughout the year, as long as the total amount due is paid by the end of your Zakat year. Many people find it easier to set aside a monthly amount than to pay a large lump sum.
The Nisab threshold fluctuates with market prices. In April 2026, the Silver Nisab (52.5 Tola) is approximately Rs. 52,000 - 55,000, while the Gold Nisab (7.5 Tola) is approximately Rs. 610,000+. Most charities in Pakistan use the Silver Nisab to maximize the collection for the needy.
Zakat is generally due only on wealth that you have full access to and can spend. Most scholars agree that Zakat is not due on pension or EOBI funds until you actually receive the money in your hand or bank account.
As of May 2026, the Silver Nisab is approximately PKR 21,870 (87.48 grams × PKR 250/gram) and the Gold Nisab is approximately PKR 202,500 (7.5 tola × PKR 27,000/tola). Most Pakistani scholars recommend using the Silver Nisab because it is lower, meaning more people become eligible to give Zakat, which benefits more recipients.
Zakat on PKR 1,00,000 (1 lakh rupees) is PKR 2,500 (calculated as 1,00,000 × 2.5%). However, Zakat only becomes due if your total wealth — including cash, gold, and other zakatable assets — has been above the Nisab for a full Islamic year (Hawl). If it is your only savings, it still exceeds the Silver Nisab of approximately PKR 21,870, so Zakat would be due.
A plot or property you own for personal use (your home) or as a long-term hold with no intent to sell is generally NOT subject to Zakat. However, if you purchased a plot with the clear intention to sell it for profit, the current market value of that plot is included in your zakatable assets. Rental income received from a property is also zakatable once it exceeds the Nisab and the Hawl condition is met.
Zakat should be paid once a full Islamic lunar year (Hawl — approximately 354 days) has passed while your wealth has remained above the Nisab. Many Muslims choose Ramadan as their Zakat month for spiritual reward. You can also pay at any time during the year — daily, monthly, or in a lump sum — as long as the full annual amount is paid before the year ends. There is no single fixed government deadline for Zakat payment in Pakistan outside of the automatic deduction from savings accounts in Ramadan.
Don't leave your religious obligations to guesswork. Use our free, private, and accurate calculator to get your Zakat figure in seconds.