Zakat Calculator
Add what you own, subtract what you owe. 2.5% is due if the rest is above nisab.
Today's rates
International prices, updated daily. Edit them if your jeweller quotes differently.
Gold
≈ PKR 0 at 22K
Silver
Jewellery, utensils or bars. Uses the same unit as gold.
≈ PKR 0
Cash & bank
Business & receivables
Minus debts due now
Only what's payable within the year, not a full mortgage.
How it's calculated
- Gold and silver at today's rate; 22K counts at 22/24 of 24K.
- Add cash, bank, business stock and receivables.
- Subtract debts due now.
- At or above nisab, held for a lunar year: 2.5% is due.
Nisab today
| Metal | Weight | Value |
|---|---|---|
| Silver | 52.5 tola · 612.35 g | PKR 272,265 |
| Gold | 7.5 tola · 87.48 g | PKR 3,032,573 |
What counts for zakat
Include
- Gold and silver: jewellery, coins and bars, at today's selling rate.
- Cash at home and in bank accounts, including foreign currency.
- Prize bonds and savings certificates, at face value.
- Shares and mutual funds bought to sell, at market value.
- Business stock at sale value, and money owed to you that you expect to get back.
- Plots or property bought to sell for a profit.
Leave out
- The house you live in, and your car, furniture, clothes and household items.
- Tools, machinery and shop fittings used in your business.
- Property you rent out (but count the rent you have saved).
- Debts other people owe you that you do not expect to recover.
When zakat is due
Zakat is due once your wealth has stayed at or above nisab for a full Islamic (lunar) year, called the hawl. You value everything on that date and pay 2.5% of what you have then, not what you had through the year. Many people in Pakistan use 1 Ramadan as their zakat date because it is easy to remember. The lunar year is about 11 days shorter than the calendar year, so the date moves earlier each year.
Zakat deducted by banks
Under the Zakat and Ushr Ordinance 1980, banks deduct 2.5% on 1 Ramadan from savings accounts, term deposits and some savings certificates whose balance is above the threshold the government announces before Ramadan. Current accounts are not deducted.
If your bank deducts zakat, that amount counts toward what you owe, so subtract it from the total here. If you would rather calculate and pay it yourself, submit a zakat exemption declaration (form CZ-50) to your bank before Ramadan.
Questions people ask
Is zakat due on jewellery I wear?
Hanafi scholars, followed by most people in Pakistan, include worn gold and silver jewellery. Other schools differ, so ask your scholar if unsure.
Do I pay zakat on my house or car?
No. Things you own for personal use are not zakatable. Property held to sell is counted as business stock.
Banks already deduct zakat. Do I pay again?
Amounts banks deduct on 1 Ramadan count toward your zakat. Subtract them from the amount due here.
Should I use the silver or gold nisab?
The silver nisab (52.5 tola) is lower, so more people pass it and it is the cautious choice many scholars recommend. The gold nisab (7.5 tola) is much higher. Switch between them above to compare.
Who can I give zakat to?
To Muslims in need, as listed in Surah At-Tawbah (9:60). You can give it to needy brothers, sisters, aunts, uncles and other relatives, but not to your parents, grandparents, children, grandchildren or spouse, since you already support them.
Last updated 13 Nov 2026 · Rates refresh daily Source: gold-api.com · Rates By Exchange Rate API