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Zakat Calculator 2026
Calculate zakat on all your assets — cash, gold, silver, stocks & business — powered by today's live rates
Important: This calculator provides a general estimate. Zakat obligations may vary based on your school of thought (madhab) and specific circumstances — consult your local scholar or mufti for a final ruling. The nisab threshold used here is the silver nisab (52.5 tolas / 612.36g), which is the majority scholarly position — it results in a lower threshold, meaning more people qualify to pay zakat. All valuations use today's live market rates. Personal residence, vehicle for personal use, and worn jewellery (except in the Hanafi school) are generally exempt from zakat.
Zakat Calculator — Pakistan 2026
BaKhabar Pakistan's comprehensive zakat calculator computes zakat across all your assets — cash, bank balances, gold, silver, stocks, mutual funds, business inventory, and receivables — while deducting liabilities. Gold and silver valuations are powered by today's live market rates, independently verified against APGJSA and the State Bank of Pakistan.
What is Zakat
Zakat is one of the five pillars of Islam, obligatory on every adult Muslim whose net zakatable wealth has remained at or above the nisab threshold for one complete lunar year (hawl). The zakat rate is 2.5% (one-fortieth) of net zakatable assets after deducting liabilities.
Two Nisab Thresholds
There are two nisab benchmarks: the gold nisab (7.5 tolas / 87.48g of pure 24K gold) and the silver nisab (52.5 tolas / 612.36g of pure silver). For cash and mixed wealth, the majority scholarly position is to use the silver nisab because it is lower — meaning more people qualify to pay zakat, which benefits those in need. This calculator uses the silver nisab by default.
What is Exempt from Zakat
Your personal residence, vehicle used for personal transportation, household furniture, clothing, and tools of your trade are not subject to zakat. In most schools of thought (except Hanafi), jewellery worn regularly is also exempt. Only wealth that is surplus, liquid, and has been held for one lunar year is zakatable.
Frequently Asked Questions
Should I use gold nisab or silver nisab?
The majority scholarly position is to use the silver nisab for cash and mixed wealth because it is lower, meaning more people qualify to pay zakat. If your school of thought uses the gold nisab, consult your scholar.
Is zakat due on jewellery I wear?
In the Hanafi school, zakat is due on all gold and silver jewellery regardless of whether it is worn. In the Shafi'i, Maliki, and Hanbali schools, jewellery worn regularly for personal adornment is generally exempt. Consult your scholar for guidance.
Is zakat due on my house and car?
No. Your personal residence, vehicle, furniture, and clothing are exempt from zakat. However, investment properties held for resale and rental income that has been collected and saved are zakatable.
What does "one lunar year" (hawl) mean?
Your wealth must remain at or above the nisab for one complete lunar year (approximately 354 days). Wealth must exceed the nisab at both the start and end of the year — brief dips below nisab during the year do not reset the clock according to the majority opinion.
Muhammad Awais Rashid, ACMA