Zakat is 2.5% of net zakatable wealth held for one full lunar year, due once net wealth meets nisab: 612.36 g of silver (52.5 tola) or 87.48 g of gold (7.5 tola). Most scholars advise the silver nisab as it benefits more recipients. Metal prices change daily - enter today's silver rate for an exact threshold. For rulings on specific assets (jewellery in use, pensions, property), consult a scholar.
Calculate Your Zakat Online
The Tools Kit's free Zakat Calculator works out how much zakat you owe on your savings and assets. Enter your cash, bank balances, gold and silver, investments, business assets and money owed to you, deduct your debts, and the calculator checks your net wealth against nisab and shows your zakat due at 2.5%. Amounts are in Pakistani rupees, and everything is calculated in your browser, so your financial details never leave your device.
Zakat = net zakatable wealth × 2.5%, where net zakatable wealth = total zakatable assets − debts currently due. It is only payable when the net figure meets nisab.
How to Use the Zakat Calculator
- 1
Enter your zakatable assets
Type the rupee value of your cash in hand, bank balances, gold and silver at today’s market value, investments and savings certificates, business stock and receivables, and money owed to you that you expect to get back. Leave any field that does not apply empty.
- 2
Enter your debts and liabilities
Add the debts currently due from you, such as unpaid bills, rent owed or instalments payable now. This figure is subtracted from your total assets.
- 3
Set the nisab threshold
Keep the editable default nisab of Rs 645,000, type your own figure, or enter today’s silver rate per gram and the calculator sets nisab to that rate multiplied by 612.36 grams.
- 4
Read your zakat due
The results show your net zakatable wealth, the nisab used, and the zakat due at 2.5% of the whole net amount. If your net wealth is below nisab, the result reads “Below nisab - none due”.
Fields accept plain numbers with or without commas. The gold and silver fields take the market value of your metal, not its weight, so multiply grams by today's rate per gram first.
How Zakat Is Calculated: Formula and Worked Example
Zakat is 2.5%, or one-fortieth, of the wealth you have held at or above nisab for one full lunar year. The calculator adds your seven asset fields, subtracts debts and liabilities, and compares the net figure with nisab. If the net wealth is equal to or above nisab, zakat is 2.5% of the whole net amount, rounded to the nearest rupee. If it is below nisab, no zakat is due.
For example, suppose you hold Rs 200,000 in cash, Rs 500,000 in the bank, gold worth Rs 400,000 and investments of Rs 150,000, and you owe Rs 100,000 in debts currently due. Your total assets are Rs 1,250,000 and your net zakatable wealth is Rs 1,150,000. That is above the default nisab of Rs 645,000, so zakat due is Rs 1,150,000 × 2.5% = Rs 28,750. You can double-check any 2.5% figure with the percentage calculator.
A common mistake is applying 2.5% only to the amount above nisab. Nisab is an all-or-nothing threshold: below it nothing is owed, and once you reach it the rate applies to your entire net wealth.
Nisab for Zakat: Gold vs Silver
Nisab is the minimum amount of wealth that makes zakat obligatory. It is defined by weight: 612.36 grams of silver (52.5 tola) or 87.48 grams of gold (7.5 tola), with one tola equal to 11.664 grams. Because metal prices change daily, the rupee value of nisab changes too, which is why the threshold in this calculator is editable.
Most scholars advise using the silver nisab, since its lower value means zakat reaches more of those entitled to it. The calculator starts with a silver-based default of Rs 645,000. For an up-to-date figure, enter today's silver rate per gram: at Rs 1,050 per gram the nisab becomes 612.36 × 1,050 = Rs 642,978, and at Rs 900 per gram it falls to Rs 551,124. When a silver rate is entered it replaces the value in the nisab field.
The threshold can decide whether you owe anything. With net wealth of Rs 600,000 you are below the Rs 645,000 default and no zakat is due, but if today's silver rate is Rs 900 per gram you are above the Rs 551,124 nisab and owe Rs 15,000. There is no gold-rate input, so if you follow the gold nisab, multiply 87.48 grams by today's gold price and type the result into the nisab field. If your metal prices are quoted in another currency, the currency converter can bring them into rupees first.
What Counts as Zakatable Wealth
- Cash and bank balances — cash at home and money in current and savings accounts on your zakat date.
- Gold and silver — bars, coins and, under the Hanafi view, jewellery, at current market value.
- Investments and savings certificates — shares, mutual funds, National Savings certificates and similar holdings, typically at market value.
- Business stock and receivables — trade goods held for sale and payments customers owe your business.
- Money owed to you — personal loans you expect to recover.
Your home, car, household items and personal belongings are generally not zakatable. Debts currently due are subtracted. Rulings on pensions, provident funds, property bought for resale and long-term loans differ between schools of thought, so confirm them with a scholar you trust. If you want a fuller picture of everything you own, including non-zakatable assets, the net worth calculator tracks assets and liabilities more broadly.
Common uses
- Calculating annual zakat in Ramadan or on your personal zakat date
- Checking whether your savings have crossed nisab this year
- Working out zakat on gold and silver jewellery alongside cash savings
- Estimating zakat on business stock and outstanding receivables
- Planning yearly giving alongside other finances, such as checking take-home pay with the Pakistan salary tax calculator or prices with the Pakistan sales tax calculator
Rising prices also change the value of what you hold from year to year; the inflation calculator shows how purchasing power shifts over time, and the compound interest calculator projects how savings grow. You can find more money tools among our free calculators.
Zakat terms explained
| Term | What it means here |
|---|---|
| Zakat | The obligatory annual charity on qualifying wealth, one of the five pillars of Islam, paid at 2.5% (one-fortieth) |
| Nisab | The minimum net wealth at which zakat becomes due: 612.36 g of silver (52.5 tola) or 87.48 g of gold (7.5 tola) |
| Hawl | The one full lunar (Hijri) year that wealth must be held at or above nisab before zakat is due |
| Zakatable wealth | Assets zakat applies to, such as cash, bank balances, gold, silver, investments, trade stock and recoverable loans |
| Net zakatable wealth | Total zakatable assets minus debts currently due; the figure the 2.5% is applied to |
| Tola | A traditional South Asian unit of weight for gold and silver, equal to 11.664 grams |
Frequently Asked Questions
Add up your zakatable assets (cash, bank balances, gold and silver at market value, investments, business stock and recoverable money owed to you), subtract the debts currently due, and compare the result with nisab. If your net wealth meets or exceeds nisab, zakat is 2.5% of the whole net amount: Rs 1,000,000 of net wealth means Rs 25,000 of zakat.
Zakat on money, gold, silver and trade goods is 2.5%, which is one-fortieth of net zakatable wealth. Dividing your net wealth by 40 gives the same answer as multiplying it by 0.025.
Nisab is fixed by weight, not by a rupee amount: 612.36 grams of silver (52.5 tola) or 87.48 grams of gold (7.5 tola). Its rupee value moves every day with metal prices, so multiply today’s price per gram by the weight. The calculator does this for silver when you enter the silver rate per gram; at Rs 1,050 per gram the silver nisab is Rs 642,978.
Most scholars recommend the silver nisab because its lower value makes zakat due for more people and so benefits more recipients. This calculator works from a silver-based nisab by default; if you follow the gold nisab, work out 87.48 grams times today’s gold rate and type that figure into the editable nisab field.
Multiply the weight of your gold in grams by today’s gold rate per gram to get its market value, and enter that value in the gold field. The calculator adds it to your other assets and applies 2.5% to the total if it meets nisab, so gold worth Rs 400,000 on its own would contribute Rs 10,000 of zakat.
Scholars differ. The Hanafi school, followed by most Muslims in Pakistan and South Asia, holds that all gold and silver jewellery is zakatable, while some other schools exempt jewellery in regular personal use. The calculator includes whatever gold value you enter, so consult a scholar for the ruling you follow.
Debts currently due, such as unpaid bills, rent owed and instalments payable now, are generally deducted from zakatable wealth. Treatment of long-term loans like a mortgage differs between scholars, and many deduct only the payments due in the coming year. Enter the amount that applies under the guidance you follow in the debts field.
Of everything. Once your net wealth reaches nisab, zakat is 2.5% of the entire net amount, not just the part above the threshold. Below nisab, no zakat is due at all, which is exactly how the calculator applies the rule.
No. It has no date fields, so it assumes you are calculating on your zakat date, after the wealth has been held at or above nisab for one full lunar year. Many people simply calculate on the same Hijri date each year, often in Ramadan.
The fields and results are labelled in Pakistani rupees (Rs). The arithmetic is the same in any currency, so you can enter amounts in another currency as long as every field, including the nisab, uses that same currency, and read the Rs label as your own.
No. The zakat calculation runs entirely in your browser. Nothing you type is sent to a server, saved or logged, and the values are cleared when you close or reload the page.
Reviewed by Raja Jahangir · Last reviewed: October 2026
How do you calculate zakat?
Zakat is 2.5% of net zakatable wealth held for one lunar year: add cash, bank balances, gold and silver at market value, investments, business stock, and recoverable money owed to you, then subtract debts. If the net figure meets nisab, 612.36 g of silver or 87.48 g of gold, zakat is due; Rs 1,000,000 net wealth owes Rs 25,000.
What is the nisab for zakat?
Nisab is the minimum wealth that makes zakat obligatory, fixed by weight at 87.48 grams of gold (7.5 tola) or 612.36 grams of silver (52.5 tola). Its money value changes daily with metal prices, so multiply today's price per gram by the weight. Most scholars recommend the lower silver nisab because it benefits more recipients.
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