Zakat Calculatorزکوٰۃ کیلکولیٹر

About the Zakat Calculator

This calculator helps you add up your zakatable wealth and work out the zakat amount at 2.5%. Enter today’s gold and silver prices from your local market, the gold and silver you own, cash and bank balances, business stock, money owed to you, investments and debts you must pay now. It values your gold by purity, calculates the nisab threshold, and tells you whether your net wealth reaches it and how much zakat that would be.

It is meant as a practical aid for individuals, families and small business owners in Pakistan who want a clear, private calculation before paying zakat. It does not issue religious rulings. Questions such as which nisab to use, how jewellery that is worn is treated and how debts are counted have different answers among scholars, so please consult a qualified scholar for your own situation. Nothing you enter leaves your browser.

What is zakat, and how is it calculated?

Zakat is an obligatory annual charity for Muslims whose wealth reaches a minimum threshold called the nisab and remains above it for a lunar year (the hawl). The amount generally paid is 2.5% of zakatable wealth.

The nisab is classically defined as 7.5 tola of gold (about 87.48 grams) or 52.5 tola of silver (about 612.36 grams). Because silver is much cheaper than gold, the silver nisab is a far lower threshold in rupees, so more people reach it. Scholars differ on which standard to use in which circumstances, and this calculator lets you choose either.

Zakatable wealth commonly includes gold and silver, cash in hand and in bank accounts, business stock valued at its sale price, money owed to you that you expect to recover, and certain investments. Debts and dues payable now are often deducted. How each item is treated — for example jewellery for personal use, long-term loans, retirement funds or property — depends on the school of thought and individual circumstances. In Pakistan, zakat may also be deducted automatically from some savings accounts under government rules, which some people account for in their own calculation. A scholar can advise on all of these.

How to use the Zakat Calculator

1. Enter today’s gold price per tola for 24K gold and the silver price per tola from your local sarafa market or jeweller.
2. Enter the gold you own in tola and its purity in karats (for example 22), and the silver you own in tola.
3. Enter cash in hand and bank balances, business stock at sale value, money owed to you that you expect to recover, and investments or savings certificates.
4. Enter debts and dues payable now.
5. Choose the nisab basis: silver (lower threshold) or gold.
6. Read the result: net zakatable wealth, the nisab in rupees, and either the zakat amount or “No zakat due”.

Change the nisab basis to see how the choice affects the result, then confirm with a scholar which applies to you.

Key features and benefits

• Gold by purity. Values gold according to its karat, using the 24K price you enter
• Silver and gold nisab. Calculates the threshold in rupees using either standard
• Common asset types. Gold, silver, cash, bank balances, business stock, receivables and investments
• Debt deduction. Subtracts debts payable now from your assets
• Clear breakdown. Gold value, silver value, total assets, nisab and zakat
• No assumed prices. Gold and silver prices are entered by you from today’s market
• Private. Your wealth details never leave your device

Practical examples

A household with jewellery and savings

Using illustrative prices of Rs 300,000 per tola of 24K gold and Rs 3,500 per tola of silver: 3 tola of 22K gold is worth 3 × 300,000 × 22 ÷ 24 = Rs 825,000. With Rs 200,000 cash and Rs 50,000 of debts due, net wealth is Rs 975,000. The silver nisab is 52.5 × 3,500 = Rs 183,750, so on that basis zakat would be 2.5% = Rs 24,375.

The same household on the gold nisab

The gold nisab at the same illustrative price is 7.5 × 300,000 = Rs 2,250,000. Net wealth of Rs 975,000 is below it, so the calculator shows “No zakat due”. This is why the choice of nisab matters and should be discussed with a scholar.

A small shopkeeper

Stock valued at its sale price Rs 1,500,000, cash Rs 300,000 and money owed by customers Rs 200,000, less Rs 400,000 owed to suppliers: net zakatable wealth Rs 1,600,000. At 2.5%, zakat is Rs 40,000.

Gold of different purity

Two tola of 21K gold is valued at 2 × 21 ÷ 24 = 1.75 tola of pure gold. Entering the karat correctly avoids overpaying or underpaying.

Common use cases

• Families calculate zakat on jewellery, savings and cash before Ramadan.
• Small business owners include stock, receivables and supplier payables.
• Overseas Pakistanis calculate zakat on assets in Pakistan in rupees.
• People new to zakat learn which assets are usually included.
• Mosque and welfare volunteers help others prepare a calculation before seeking scholarly advice.

Accuracy, limitations and privacy

The arithmetic is straightforward: gold value = tola × price × karat ÷ 24; net wealth = assets − debts; nisab = 52.5 tola of silver or 7.5 tola of gold at the prices you enter; zakat = 2.5% of net wealth if it is at or above the nisab. These standard values are stored in the site’s configuration and labelled as defaults.

The calculator does not decide religious questions: whether your wealth stayed above nisab for a full lunar year, how personal jewellery, property, pension funds or long-term debts are treated, or how government deductions should be counted. Gold and silver prices are not fetched. Nothing you enter is saved or transmitted.

• Not a religious ruling; consult a qualified scholar about your circumstances.
• The lunar-year (hawl) condition is not tracked.
• Property, pension funds, crops (ushr) and livestock are not included.

Tips and best practices

• Choose a fixed date each lunar year, such as a day in Ramadan, to calculate zakat consistently.
• Use the market’s selling rate for gold and silver on that day, and note the source.
• Value business stock at the price you would sell it for, not the price you paid.
• Keep a simple record of your calculation each year for comparison.
• Give zakat through trusted, accountable organisations or directly to eligible recipients.

Related tools and next steps

Value jewellery by weight, purity and making charges with the gold calculator. Calculate fidyah or kaffarah amounts with the fidyah & kaffarah calculator, find your zakat date in the Islamic calendar with the Hijri date converter, and see how many days remain until Ramadan with the Ramadan & Eid countdown.