Gold Nisab (87.48g)
Rs. 32,53,825
7.5 Tola gold equivalent
Silver Nisab (612.36g)
Rs. 3,85,174
52.5 Tola silver equivalent (lower — use for mixed assets)
Zakat Rate
2.5%
of total net zakatable assets
💵 Cash
Cash in hand & in bank accounts
Rs.
Cash deposited for some future purpose, e.g. Hajj
Rs.
Cash given out in loans
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Investments, shares, saving certificates, pensions funded by money in one's possession
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🏅 Gold and Silver
Weight of Gold (auto-valued at Rs. 37,198/gram)
g
grams
Gold value (calculated)
Rs. 0
Weight of Silver (auto-valued at Rs. 629/gram)
g
grams
Silver value (calculated)
Rs. 0
🏪 Trade Goods
Value of stock / trade inventory
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Other business assets (receivables, prepaid etc.)
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📋 Liabilities
Borrowed money, goods bought on credit
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Wages due to employees
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Taxes, Rent, utility bills due immediately
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Other immediate payables / debts due now
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📊 Live Breakdown
Total Cash
Rs. 0
Gold Value
Rs. 0
Silver Value
Rs. 0
Trade Goods
Rs. 0
Total Assets
Rs. 0
Total Liabilities
Rs. 0
✅ Nisab Status
Net Worth vs Silver Nisab (Rs. 3,85,174)
Rs. 0Nisab
Your Net Worth
Rs. 0
Enter your assets above
Total Net Worth
Rs. 0
(Assets − Liabilities)
Zakat Payable (2.5%)
Rs. 0
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This calculator is for estimation only. Consult a qualified Islamic scholar for your personal Zakat ruling.
💰 Update Gold & Silver Rates
Gold price per gram (PKR)
Rs.
Silver price per gram (PKR)
Rs.
Where to find current rates: Check gold.pk or hamariweb.com for today's PKR rates per gram. Silver rate from hamariweb silver rates. Rates auto-update Nisab thresholds and gold/silver valuations throughout the calculator.
📖 What is Zakat?
Zakat is the third pillar of Islam. Every Muslim who owns wealth above the Nisab threshold for a full lunar year (Hawl) must pay 2.5% of their total net zakatable assets to those in need.
The word Zakat means "to cleanse" — Muslims believe it purifies their wealth and pleases Allah (SWT).
"My mercy encompasses all things, but I will specify it for the righteous who give Zakat" — Quran 7:156
The word Zakat means "to cleanse" — Muslims believe it purifies their wealth and pleases Allah (SWT).
"My mercy encompasses all things, but I will specify it for the righteous who give Zakat" — Quran 7:156
🔢 What is Nisab?
Nisab is the minimum wealth threshold above which Zakat becomes obligatory:
- Gold Nisab: 87.48 grams (7.5 Tola) of gold
- Silver Nisab: 612.36 grams (52.5 Tola) of silver
- If you own only gold → use gold Nisab
- If you own a mix of assets → use silver Nisab (lower, more common)
💰 Which Assets are Zakatable?
- ✅ Cash in hand and in bank accounts
- ✅ Gold and Silver (any purpose)
- ✅ Trading stock and business assets
- ✅ Investments, shares, saving certificates
- ✅ Loans you have given to others
- ✅ Pensions funded from your own money
- ❌ Personal use items (home, car, furniture)
- ❌ Real estate not for trade
- ❌ Agricultural produce (different rule — Ushr)
- ❌ Livestock (different Nisab rules)
👥 Who Receives Zakat?
Eight categories (Quran 9:60):
- The poor (Fuqara)
- The needy (Masakeen)
- Collectors of Zakat (Al-Amileen)
- New Muslims / friends of the community
- Freeing of slaves (Ar-Riqab)
- Debtors (Gharimeen)
- In the way of Allah (fi Sabilillah)
- Wayfarers / stranded travelers
When does Zakat become obligatory?
Zakat becomes obligatory once you have owned wealth equal to or above the Nisab threshold for a full Islamic lunar year (Hawl — approximately 354 days). Your Zakat year starts on the date your wealth first reached Nisab.
Should I use gold or silver Nisab?
- If you own only gold — use the gold Nisab (87.48 grams)
- If you own a combination of assets (cash + silver + gold + investments) — use the silver Nisab (612.36 grams), as it is lower and thus more inclusive for mixed wealth holdings
- Most scholars recommend silver Nisab for mixed assets as it is more conservative and inclusive
Is Zakat on gold for jewellery too?
According to the Hanafi school, Zakat is due on all gold and silver regardless of whether it is used for jewellery or investment. All gold above Nisab is zakatable. (Note: Shafi'i and Maliki schools differ — consult a scholar for your madhab.)
Can I pay Zakat in Ramadan?
Yes — and many Muslims prefer to pay during Ramadan due to the multiplied rewards. However, Zakat becomes due on the anniversary of when your wealth first reached Nisab. You may pay early but should not delay past your Zakat date.
What debts can be deducted as liabilities?
Only immediate liabilities — debts due right now — can be deducted:
- Money you have borrowed that is currently due
- Wages due to employees
- Utility bills, rent, taxes due immediately
- Long-term debts like mortgages — only the current installment due can typically be deducted, not the full balance (consult a scholar)
Is property / real estate included in Zakat?
Property you live in or use personally is NOT zakatable. However:
- Property held for resale/trade — zakatable at current market value
- Rental income — zakatable if it reaches Nisab and a year passes
- Land held only for future personal use — not zakatable
Who is obligated to pay Zakat?
Zakat is obligatory on a person who is:
- Muslim
- Major (Baligh)
- Sane
- Owner of wealth at or above Nisab for a full year (Sahib-un-Nisab)