Zakat Calculator
Estimate zakat at 2.5% on cash, savings, gold, silver, business stock and investments, minus debts due.
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About the Zakat Calculator
Zakat is due once a lunar (Hijri) year has passed on wealth at or above the nisab. This calculator adds up your zakatable assets, subtracts debts that are due now, compares the result with the nisab and shows 2.5% of it.
Nisab can be measured by silver (52.5 tola, 612.36 g) or gold (7.5 tola, 87.48 g). Many scholars recommend the silver nisab because it is lower and benefits more people in need; others use gold. Enter today's price per tola of the metal you choose.
Important: this tool gives an estimate for guidance only. Rules differ between schools of thought — for example on personal jewellery, pension funds and long-term debts. Please consult a qualified scholar for your specific situation.
How to use the Zakat Calculator
- Enter the market value of each type of wealth you own on your zakat date. Leave a field empty if it does not apply.
- Enter debts and bills that are due now.
- Choose silver or gold for the nisab and enter today's price of one tola in the same currency.
- Click Calculate zakat.
Formula
Zakatable wealth = cash + bank balances + gold + silver + business stock + money owed to you + investments − debts due now.
Nisab = 52.5 tola × silver price per tola, or 7.5 tola × gold price per tola.
If zakatable wealth ≥ nisab, and a lunar year has passed: Zakat = zakatable wealth × 2.5%.
Examples
With an example silver price of Rs 3,000 per tola, the nisab is 52.5 × 3,000 = Rs 157,500.
- Cash Rs 50,000 + bank Rs 300,000 − debts due Rs 50,000 = Rs 300,000 zakatable wealth. This is above the nisab, so zakat = 300,000 × 2.5% = Rs 7,500.
- Total wealth Rs 120,000: below the nisab, so no zakat is due.
Frequently asked questions
Should I use the gold or silver nisab?
Both are valid opinions. Many scholars in Pakistan recommend the silver nisab for cash and mixed wealth because it is lower. If you only own gold, the gold nisab is commonly used. Ask a scholar if you are unsure.
Is zakat due on the house I live in or my car?
Generally no. Personal-use items such as your home, car, furniture and clothes are not zakatable. Property bought for resale is treated as business stock.
Is zakat due on jewellery I wear?
Scholars differ. The Hanafi school, followed by most people in Pakistan, includes gold and silver jewellery. Others exempt jewellery for normal personal use.
Is this a religious ruling (fatwa)?
No. It is a calculator to help you estimate. For a ruling on your situation, consult a qualified scholar.