Zakat Calculator
Calculate your annual zakat obligation on all zakatable assets
Frequently Asked Questions
Zakat is calculated on qualifying wealth — cash, gold, silver, business inventory, and investments — once it has been held for a full lunar (Hijri) year and exceeds the nisab threshold, which is pegged to the current market value of gold or silver rather than a fixed rupee figure.
How the nisab threshold and the 2.5% rate work together
Nisab is traditionally defined as the value of either 87.48 grams of gold or 612.36 grams of silver — since these two metals' market prices move independently, the silver-based nisab is almost always the lower (and therefore more commonly applied) threshold, meaning more people's wealth exceeds it than would under the gold-based standard. Once your qualifying wealth crosses whichever nisab standard you or your scholar/school follows, Zakat is owed at a flat 2.5% on the qualifying total, not a progressive rate — the entire calculation hinges on correctly identifying which assets qualify and their value on your Zakat calculation date (often the Islamic month of Ramadan), not on any income-tax-style bracket structure.
A worked example
Someone holding cash savings, some gold jewelry beyond personal-use exemptions some schools of thought apply, and a modest investment portfolio adds up the current market value of all qualifying categories, checks that total against the nisab threshold, and — if above it — owes 2.5% of the full qualifying total, not just the portion above nisab (unlike a tax slab, nisab is a threshold test, not a bracket boundary).
How this connects to Pakistan's banking system
Pakistani banks automatically deduct Zakat from eligible savings accounts each Ramadan under the Zakat and Ushr Ordinance, unless the account holder has filed a declaration of exemption — common among Shia account holders, who administer Zakat separately according to their own fiqh, and non-Muslim account holders, for whom the deduction doesn't apply at all. If your wealth includes agricultural produce specifically, that's calculated separately under Ushr rather than the standard 2.5% Zakat rate, since Ushr follows its own distinct calculation based on irrigation method.
Common mistakes
People frequently forget to include gold and silver jewelry, business inventory, or money owed to them by others (receivables reasonably expected to be repaid) in their qualifying wealth calculation, focusing only on bank balances — a complete Zakat calculation needs to account for every qualifying asset category you actually hold, not just the most obvious one.