Zakat Calculator Pakistan 2026 & 2025
Calculate 2.5% Zakat on cash, gold, silver, business inventory, foreign currency, and investments based on official SBP & FBR Nisab thresholds.
Zakat Calculation Rules in Pakistan 2026 — SBP & FBR Standards
Zakat is calculated at 2.5% (1/40th) of net zakatable wealth held for one full lunar year (354 days). In Pakistan, the State Bank of Pakistan (SBP) enforces the Silver Nisab (52.5 Tola ~ Rs 168,000) for mandatory bank account deductions on the 1st of Ramadan.
Select Nisab Benchmark Standard
Choose between Silver Nisab (Recommended by SBP) or Gold Nisab threshold.
Rs 100,000
Rs 100,000
Rs 168,000 (52.5 Tola Silver)
Rs 0
How to Calculate Zakat in Pakistan (Step-by-Step)
Zakat is an obligatory pillar of Islam set at 2.5% (1/40th) of an individual’s net zakatable wealth held for one full lunar year above the minimum threshold called Nisab.
Sum Cash + Gold + Silver + Business Inventory + Investments
Include cash in bank accounts, savings certificates, prize bonds, foreign currency, and shop stock at market value.
Net Wealth = Gross Assets - Short-Term Debts
Deduct immediate loans, unpaid utility bills, and immediate debts due within the coming month.
Nisab = 52.5 Tola Silver (~Rs 168,000) or 7.5 Tola Gold (~Rs 1,950,000)
If your Net Wealth meets or exceeds the Nisab threshold, Zakat is obligatory.
Zakat Payable = Net Wealth × 0.025
Pay your Zakat to deserving eligible recipients, relatives, or verified charitable institutions.
Difference Between Gold Nisab and Silver Nisab in Pakistan
Under Islamic jurisprudence, two standards define the Nisab threshold:
- Gold Nisab (7.5 Tola / 87.48 Grams): At a market price of ~Rs 260,000 per tola, the gold Nisab equals approximately Rs 1,950,000.
- Silver Nisab (52.5 Tola / 612.36 Grams): At a market rate of ~Rs 3,200 per tola, the silver Nisab equals approximately Rs 168,000.
The State Bank of Pakistan (SBP) uses the Silver Nisab for automatic bank deduction on savings accounts on the 1st of Ramadan because its lower threshold benefits more impoverished individuals in society.
Zakatable vs Exempt Assets Checklist
| Category | ✅ Zakatable Assets (Subject to 2.5%) | ❌ Exempt Assets (No Zakat) |
|---|---|---|
| Cash & Banking | Cash in bank, JazzCash, EasyPaisa, Prize Bonds, Savings Certificates | Security deposits for house rent |
| Precious Metals | All Gold & Silver jewelry, coins, bars, or ornaments | Artificial jewelry, diamonds, pearls, gemstones |
| Real Estate & Property | Property bought specifically for resale / investment trading | Personal living house, agricultural land, factory premises |
| Business & Vehicles | Shop inventory stock at market value, trade receivables | Personal family vehicle, office machinery, trade tools |
Learn official calculations, see step-by-step Pakistani tax & utility examples, and read expert tips.
Why This Calculator Is Trustworthy
Developed by Abaid Awan using publicly available benchmarks referenced directly from official Pakistani authorities, including FBR, NEPRA, State Bank of Pakistan (SBP), and WHO guidelines.
- 100% Client-Side Calculation
- Official FY 2026–27 Formulas
- Zero Personal Data Logging
Frequently Asked Questions
What is the Nisab for Zakat 2026 in Pakistan?▼
For 2026 / Ramadan 1447 AH, the Silver Nisab (52.5 Tolas / 612.36g silver) is approximately Rs 168,000 (SBP bank deduction threshold ~Rs 135,000-168,000). The Gold Nisab (7.5 Tolas / 87.48g gold) is approximately Rs 1,950,000.
Should I use the Gold Nisab or Silver Nisab in Pakistan?▼
Islamic scholars in Pakistan generally recommend using the Silver Nisab because its lower threshold enables more individuals to contribute Zakat and support impoverished families. The State Bank of Pakistan (SBP) also applies the Silver Nisab standard for automatic savings account deductions on 1st Ramadan.
Is Zakat calculated before or after debts?▼
Zakat is calculated on Net Zakatable Wealth AFTER deducting immediate, short-term liabilities (such as due loans, unpaid utility bills, or vendor invoices due now). Long-term future mortgages or deferred installments are not fully deducted.
Do I pay Zakat on gold jewellery?▼
Under Hanafi jurisprudence (followed widely in Pakistan), Zakat of 2.5% is obligatory on all gold and silver jewelry regardless of whether it is worn daily or kept stored, provided your total wealth meets Nisab.
Is Zakat payable on business inventory?▼
Yes, Zakat at 2.5% is due on commercial shop inventory, raw materials, and finished goods valued at current market selling price on your Zakat calculation date.
Do I pay Zakat every year on the same assets?▼
Yes, Zakat is an annual obligatory worship (Ibadah). As long as an asset remains in your possession for a full lunar year (354 days) and meets Nisab, Zakat is payable on it each year.
Can I calculate Zakat in Pakistani Rupees (PKR)?▼
Yes! All calculations in this calculator use current Pakistani Rupees (PKR), allowing you to convert gold tola rates, foreign currency (USD/SAR/AED), and bank balances into PKR.
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