Islamic Finance Tool
Zakat Calculator
Add up your zakatable wealth β cash, gold, silver, shares, business stock and money owed to you β subtract your debts, compare the total with the nisab and see the zakat due at 2.5%.
Your Wealth
Total Zakatable Assets
PKR 0
Net After Liabilities
PKR 0
Zakat Due (2.5%)
Enter nisab price
β This tool is an aid to calculation, not a fatwa. Rulings differ between schools of thought and on matters such as zakat on shares held long-term, jewellery in use and receivables. Consult a qualified scholar for your own situation. Enter current market prices for gold and silver.
How the zakat calculator works
What zakat is and who owes it
Zakat is an obligatory annual contribution of 2.5% on eligible wealth held for one lunar year (hawl) by a Muslim whose net wealth is at or above the nisab, the minimum threshold.
Zakat due = 2.5% Γ (zakatable assets β liabilities due now), if the total β₯ nisab
The nisab
The nisab is commonly set at 7.5 tola (about 87.48 g) of gold or 52.5 tola (about 612.36 g) of silver. Because the silver threshold is much lower in value, many scholars and organisations in Pakistan use it so that more people in need benefit; others use gold. Enter the current price per tola of whichever you follow and the calculator values the nisab for you.
What to include
Generally included: cash in hand and in bank accounts, gold and silver (and, under the Hanafi view, jewellery), shares and funds held for trading or investment, goods held for sale, and money owed to you that you expect to receive. Generally deducted: debts and bills that are due now. Personal-use items such as your home, car and household goods are not zakatable.
For shares, scholars differ: some count the full market value, others only the zakatable assets of the company (such as its cash and inventory). The calculator takes the zakatable value you enter. Note that zakat may already be deducted at source from certain bank balances on 1st Ramadan for those who have not submitted a declaration of exemption, so remember to account for that.
Frequently Asked Questions
Add all zakatable assets held for a lunar year, subtract liabilities due now, and if the result is at or above the nisab, pay 2.5% of it.
Both are accepted. The silver nisab (52.5 tola) is a lower value and is used by many scholars and institutions in Pakistan; the gold nisab (7.5 tola) is higher. Follow the guidance of the scholar or school you rely on.
Generally yes, but scholars differ on how to value them. Shares bought to trade are usually counted at full market value. For long-term investments, some count only the portion of the company's assets that are zakatable. Seek scholarly advice and enter the figure you determine.
Rulings differ: the Hanafi school generally requires zakat on gold and silver jewellery even if worn, while other schools exempt jewellery in regular use. Consult a scholar.
Debts that are due and must be paid soon are generally deducted from zakatable assets. Long-term loan balances not yet due are treated differently by different scholars β the calculator lets you enter the amount you decide to deduct.
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