Free and accurate Zakat calculation with the latest 2026 nisab values for Pakistan. Calculate your Zakat on gold, silver, cash, stocks and business assets instantly.
Updated April 2026 — Gold Nisab: Rs. 612,900 • Silver Nisab: Rs. 52,300
🕌 Calculate My Zakat Free →The nisab is the minimum threshold of wealth a Muslim must possess for one full lunar year before Zakat becomes obligatory. There are two nisab values — based on gold and silver. Most contemporary Islamic scholars recommend using the silver nisab as it is lower and thus more inclusive of people obligated to give Zakat.
Rs. 6,12,900
87.48 grams (7.5 tola) of gold
Based on gold price ~Rs. 7,005/gram
Rs. 52,300
612.36 grams (52.5 tola) of silver
Based on silver price ~Rs. 85/gram
Which nisab should you use? The majority of Islamic scholars recommend using the silver nisab (Rs. 52,300) as it is more inclusive and ensures more Muslims fulfil their Zakat obligation. If your net assets exceed Rs. 52,300 after one lunar year, Zakat is due.
Zakat is the third pillar of Islam and a mandatory form of charity for every eligible Muslim. The word Zakat means purification — giving Zakat purifies your remaining wealth and brings barakah. It is calculated at a fixed rate of 2.5% on all qualifying assets that have been owned for one complete lunar (Hijri) year and exceed the nisab threshold.
In Pakistan, Zakat is particularly significant during Ramadan and before Eid ul Fitr and Eid ul Adha, when millions of families calculate and distribute their annual Zakat obligation. The State Bank of Pakistan also deducts Zakat automatically from savings accounts of Muslim account holders at the start of Ramadan each year.
Zakat Formula
Zakat = (Total Assets − Debts) × 2.5%
Only if net assets exceed nisab threshold after one lunar year
Follow these four steps to calculate your Zakat accurately. The ToolForge Zakat Calculator handles all these steps automatically — just enter your asset values and it calculates instantly.
Include: cash in hand, all bank balances (savings, current, fixed deposit), gold and silver (including jewellery), stocks and mutual funds, business inventory, trade goods, money owed to you (receivables), and investment properties.
Deduct: outstanding loans due within one year, credit card dues, overdue bills and utility payments, and any other immediate financial obligations. Long-term debts like mortgages on your personal home are generally not deducted in full.
Compare your net assets (assets minus debts) with the nisab. If your net assets are below Rs. 52,300 (silver nisab), no Zakat is due. If above, proceed to step 4. This check must also apply — your wealth must have been above nisab for a complete lunar year.
Multiply your total net qualifying assets by 0.025 (2.5%). This is your Zakat due. You may distribute it to eligible recipients including the poor, the needy, those in debt, and Islamic institutions in your community.
Here is a complete worked example of how to calculate Zakat for a typical Pakistani household using April 2026 nisab values.
| Asset | Value (PKR) |
|---|---|
| Cash in bank accounts | 3,50,000 |
| Cash in hand | 25,000 |
| Gold jewellery (20g × Rs.7,005) | 1,40,100 |
| Silver (100g × Rs.85) | 8,500 |
| Stocks and mutual funds | 2,00,000 |
| Business goods inventory | 80,000 |
| Total Assets | 8,03,600 |
| Less: Outstanding loan payment | (50,000) |
| Net Zakatable Assets | 7,53,600 |
| Nisab (silver) — April 2026 | Rs. 52,300 |
| Above nisab? (Rs.7,53,600 > Rs.52,300) | Yes ✅ |
| Zakat Due (7,53,600 × 2.5%) | Rs. 18,840 |
Note: This is an illustrative example. Actual Zakat may vary based on your specific assets, debts, and scholarly guidance followed.
Using gold nisab when silver nisab is more appropriate
Fix: Most scholars recommend using the lower silver nisab (Rs. 52,300) to ensure more people fulfil their Zakat obligation.
Forgetting to include wife's or children's gold jewellery
Fix: All gold and silver jewellery in the household is subject to Zakat if it has been held for one lunar year above the nisab.
Not deducting outstanding debts
Fix: Subtract all current liabilities — loans, credit card dues, unpaid bills — from your total assets before calculating Zakat.
Calculating on calendar year instead of lunar year
Fix: Zakat is based on the Islamic lunar (Hijri) year, which is approximately 354 days — slightly shorter than the solar calendar year.
Excluding business inventory and trade receivables
Fix: Business goods, shop inventory, and money owed to you are all zakatable assets that must be included in the calculation.
Relying on outdated nisab values
Fix: Nisab values change with gold and silver market prices. Always verify the current rates before Ramadan and Eid. ToolForge updates nisab values regularly.
This free Zakat calculator is designed for any Muslim in Pakistan who wants a quick, accurate and transparent way to determine their annual Zakat obligation.
Salaried professionals
Calculate Zakat on savings and investments
Business owners
Include inventory and trade assets
Housewives
Calculate on gold and silver jewellery
Students
Check if Eidi and gifts cross nisab
Landlords
Include rental income and properties
Investors
Calculate on stocks and mutual funds
As of April 2026, the gold nisab is approximately Rs. 612,900 (87.48 grams of gold) and the silver nisab is Rs. 52,300 (612.36 grams of silver). Most Islamic scholars recommend using the silver nisab as it includes more people in the obligation of Zakat.
Add all qualifying assets (cash, gold, silver, stocks, business inventory, receivables). Subtract outstanding debts and liabilities. If net assets exceed the nisab threshold after one lunar year, multiply net assets by 2.5% to get your Zakat due.
Yes. Gold and silver jewellery owned for one full lunar year with total value above nisab is subject to Zakat. This includes wife's and children's jewellery held in the household.
Gold nisab (87.48g) is worth approximately Rs. 612,900 in 2026 while silver nisab (612.36g) is Rs. 52,300. Scholars recommend silver nisab as the benchmark since it is more inclusive.
No. Your primary personal residence is exempt from Zakat. Investment or rental properties, however, are subject to Zakat on their net value or rental income.
Yes. All cash in savings, current, and fixed deposit accounts is subject to Zakat if total net assets exceed the nisab after one lunar year. Enter your complete bank balance in the ToolForge Zakat Calculator for an accurate figure.
Free, accurate, updated April 2026. All asset types covered. No signup required.
🕌 Calculate Zakat Free →Written by Abid Niazi · Updated April 14, 2026 · 7 min read · Reviewed for accuracy