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Calculate your annual Zakat instantly using live Nisab values, assets, liabilities, and Madhab-specific rules.
Calculate your Zakat accurately using different Nisab standards and Madhab rules. Dynamic local rates sourced instantly.
State your default parameters to compute local thresholds of gold and silver Nisab.
Most people already know Zakat is one of the Five Pillars of Islam. What trips people up isn't the definition — it's figuring out whether they actually owe it this year, and if so, how much.
Here's the short version: Zakat is a mandatory portion of your wealth, given to those eligible to receive it. It's not the same as Sadaqah. You can give Sadaqah any day, in any amount, for any reason. Zakat works differently — it only becomes due once your wealth crosses a specific threshold and stays there for a full lunar year.
So two things need to be true before you owe anything:
If either one isn't true yet, you're not obligated to pay — at least not this cycle.
Nisab is the line in the sand. Below it, no Zakat is due. Above it, Zakat becomes obligatory. But here's the part that confuses a lot of first-time calculators: Nisab isn't a fixed rupee amount. It's based on a weight of gold or silver, converted into today's price.
Two standards exist:
Because silver trades for much less than gold per gram, the Silver Nisab ends up being a smaller amount in rupees. Practically, that means more people end up qualifying under the silver standard than the gold one. This is exactly why many scholars lean toward silver as the more cautious choice — it brings more people into the fold of giving, which benefits more recipients. That's also why this calculator defaults to Silver Nisab, though you can switch to Gold Nisab if that's what your local guidance follows.
This is exactly why many scholars lean toward silver as the more cautious choice — it brings more people into the fold of giving, which benefits more recipients. That's also why this calculator defaults to Silver Nisab, though you can switch to Gold Nisab if that's what your local guidance follows.
One more thing worth knowing: since Nisab depends on market prices, it moves every single day. A number you saw last month could already be outdated. That's why the rates above are pulled live rather than hardcoded.
Before you start entering numbers, it helps to do a mental walk-through of what you actually own. Calculators rarely get things wrong — people forget things instead. A second bank account here, some gold sitting at a parent's house there.
Assets that typically count:
And what usually doesn't count:
A mistake we see constantly: people assume Zakat is only about salary and savings, then completely skip the gold jewelry sitting in a drawer or the small side business they run out of their home. Both are very much zakatable.
For the most part, no — the core mechanics stay the same across the four major Sunni schools. Where things diverge slightly is jewelry you actually wear day to day.
Under Hanafi rulings, jewelry you wear regularly is still zakatable. Under Shafi'i, Maliki, and Hanbali rulings, jewelry worn for personal use is generally exempt — though anything stored purely as an investment stays zakatable regardless of school.
Since the majority of Muslims in Pakistan follow Hanafi jurisprudence, that's the default here — but the Madhab selector above lets you switch to Shafi'i, Maliki, or Hanbali, and the jewelry calculation adjusts on its own.
Even if you trust the calculator completely, it's worth knowing what's happening behind the scenes. It's not complicated:
Net Zakatable Wealth = Total Zakatable Assets − Deductible Liabilities
If Net Zakatable Wealth ≥ Nisab:
Zakat Due = Net Zakatable Wealth × 2.5%A quick example. Say you have PKR 500,000 sitting in savings, plus 5 tola of gold — roughly 58.3 grams. At a live rate of PKR 36,338 per gram, that gold alone is worth around PKR 2,118,506. Add it to your cash and your total zakatable assets come to about PKR 2,618,506.
Assuming no liabilities to subtract, your net wealth stays at that figure. Since it's well above the Silver Nisab of PKR 323,326, Zakat is due:
PKR 2,618,506 × 2.5% ≈ PKR 65,463
That's the entire calculation the tool above runs for you automatically — but now you know exactly how it got there.
Zakat applies to net wealth, not gross, so some liabilities can be deducted first. Generally fine to subtract:
What most scholars won't let you deduct in full:
If your finances involve business partnerships, mixed international assets, or complicated debt structures, this is one of those moments where a quick question to a knowledgeable scholar saves a lot of second-guessing.
Your Zakat becomes due once your wealth has stayed above Nisab for a full lunar year — and that date is personal to you, not shared across everyone. A lot of people choose to pay during Ramadan simply because it's easier to remember and carries extra spiritual weight, but nothing in the ruling requires it to be paid then.
What actually matters is picking one date and sticking to it every lunar year. Once you have that anchor date, next year's calculation becomes a lot less of a guessing game.
If you're calculating Zakat from Pakistan, working in PKR just makes more sense than converting from a foreign currency — so that's the default here. The gold and silver rates feeding into the Nisab calculation are pulled live and refreshed regularly, so you're comparing against today's actual market, not last month's number.
Once you know the amount, how you distribute it is entirely up to you — directly to someone eligible, through a mosque, or via a registered organization. This tool's only job is getting you an accurate number to work with.
Add up your zakatable assets — cash, gold, silver, investments, business inventory — then subtract any short-term liabilities. If what's left meets or exceeds Nisab, multiply it by 2.5% to get your Zakat due.
Value your gold at today's market rate, not what you originally paid. Add that value to your other zakatable assets, then apply 2.5% if your total is above Nisab.
There's no direct Zakat on salary as income. What matters is how much of it remains as savings by your Zakat date, combined with everything else you own.
Most scholars base it on the current market value of shares, though the exact approach can shift depending on whether they're held for trading or long-term investment. Complex portfolios are worth double-checking with a knowledgeable source.
(Total Zakatable Assets − Liabilities) × 2.5%, as long as the result is at or above Nisab.
Yes — once per completed lunar year (Hawl), based on your own personal Zakat date rather than a shared calendar date.
This calculator offers a general estimate based on the Gold and Silver Nisab standards along with commonly followed Hanafi, Shafi'i, Maliki, and Hanbali rulings. For business partnerships, cross-border assets, or unusual debt situations, it's worth checking with a qualified Islamic scholar.