Zakat Calculator
Add up your cash, gold, silver and business assets, subtract liabilities, and see instantly whether your wealth crosses the nisab and how much zakat (2.5%) is due.
Zakat due (2.5%)
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What is zakat?
Zakat is one of the five pillars of Islam: an annual obligatory charity of 2.5% on wealth that has been in your possession for one full lunar year (hawl), provided that wealth is at or above a minimum threshold called the nisab. It purifies wealth and transfers a share of it to those in need — the categories of eligible recipients are listed in the Qur'an (9:60).
How to use this calculator
Enter everything you own that is zakatable: cash in hand and in bank accounts, the weight of gold and silver you hold (with today's market rate per gram — the defaults are editable placeholders, so do update them), stock-in-trade if you run a business, and money genuinely owed to you that you expect to receive. Then enter your immediate liabilities — debts due now, unpaid bills, this month's rent. The tool computes your net zakatable wealth, compares it with the nisab you selected, and shows 2.5% of the net amount if you are above the threshold.
The formula
Zakat = Net wealth × 2.5% (if Net wealth ≥ nisab)
The nisab is the value of either 87.48 grams of gold (7.5 tola) or 612.36 grams of silver (52.5 tola). Because silver is much cheaper, the silver nisab is a far lower threshold; many scholars recommend using it so that more people give zakat — that is why it is this tool's default.
Worked example
Ayesha has PKR 400,000 in savings, 30 grams of gold (at PKR 24,000 per gram = PKR 720,000), and no business stock. A friend owes her PKR 80,000. She owes PKR 50,000 on a committee payment due this month. Her net wealth is 400,000 + 720,000 + 80,000 − 50,000 = PKR 1,150,000. Using the silver nisab (612.36 g × PKR 300 ≈ PKR 183,700), she is well above the threshold, so her zakat is 2.5% × 1,150,000 = PKR 28,750.
When is this useful?
Most people calculate zakat once a year — commonly in Ramadan, though any fixed lunar date works. Use this tool to get an accurate figure in minutes instead of guessing, and to see clearly how each asset class contributes. For a full step-by-step walkthrough, read our guide how to calculate zakat.
This calculator follows the widely used general method. For unusual situations — partnerships, long-term loans, jewellery in personal use according to different schools of thought — please consult a qualified scholar.
Frequently asked questions
Which nisab should I use — gold or silver?
If you hold mixed assets (cash, gold, business stock), most scholars advise the silver nisab because it is lower, which errs on the side of giving. The gold nisab is generally used only when your zakatable wealth is exclusively gold.
Is zakat due on jewellery I wear?
Schools of thought differ. The Hanafi position (most common in Pakistan) is that gold and silver jewellery is zakatable even if in personal use. Some other schools exempt regularly worn personal jewellery. Ask your scholar if unsure.
Do I deduct my house loan or car loan?
The common contemporary view is to deduct only the payments currently due (for example, the coming month's installment), not the entire long-term balance — otherwise almost no borrower would ever pay zakat. Scholars differ, so seek advice for large loans.
Is zakat due on my house, car or personal belongings?
No. Personal-use assets — the home you live in, your car, furniture, clothing — are not zakatable. Property bought for resale, however, counts as business inventory.
What if my wealth dipped below nisab during the year?
The majority view is that what matters is your wealth at the start and end of your zakat year; brief dips in between are ignored. If it fell below nisab and stayed there, your year restarts when you again cross the threshold.