Zakat Calculator

The Zakat Calculator helps you estimate the zakat due on your wealth in a few minutes. You list your zakatable assets — cash at home and in the bank, gold, silver, business inventory, money owed to you that you expect to receive, and the market value of investments and shares — then subtract debts and bills that are due now. The tool compares the resulting net zakatable wealth with the nisab, the minimum threshold at which zakat becomes payable, and if you are at or above it, applies the standard rate of 2.5% (one-fortieth). Everything runs in your browser; nothing you type is stored or sent anywhere.

The nisab is defined in the hadith literature as 20 mithqal (dinar) of gold or 200 dirham of silver. Converted to modern weights these are commonly given as 87.48 grams of gold and 612.36 grams of silver, the figures used by organisations such as the National Zakat Foundation; some scholars use slightly lower conversions of 85 g and 595 g. Because silver is much cheaper than gold, the silver nisab produces a far lower threshold, so more people become liable. The silver standard is the common default in Pakistan and South Asia and is recommended by many fatwa bodies and charities as the more cautious choice for cash and mixed assets, while others use the gold standard. The calculator lets you switch between them so you can follow the view of the scholar you rely on.

The tool fills in today's live international spot price of gold and silver per gram in your currency (PKR, AED, SAR, USD, GBP or INR), refreshed hourly. Local market rates — such as the Pakistan sarafa rate quoted per tola — are often a little higher, so you can overwrite the price with your local jeweller's or bullion dealer's rate. If your gold is not 24 karat, either enter the price per gram for your purity or enter the market value of the item directly using the Value option. Worked example (illustrative prices): with gold at Rs 38,000 per gram and silver at Rs 800 per gram, suppose you hold Rs 600,000 in cash and bank, 20 g of gold (Rs 760,000), Rs 100,000 owed to you by a friend who will repay, and shares worth Rs 250,000, with Rs 150,000 of bills and instalments due now. Total assets are Rs 1,710,000 and net zakatable wealth is Rs 1,560,000. The silver nisab is 612.36 × 800 = Rs 489,888, so zakat is due: 2.5% of Rs 1,560,000 = Rs 39,000. Using the gold nisab (87.48 × 38,000 = Rs 3,324,240) the same person would be below the threshold, which shows why the choice of basis matters.

Zakat is due only once your wealth has stayed at or above the nisab for one full lunar (Hijri) year, called the hawl — about 354 days. Many people pick a fixed zakat date, such as a date in Ramadan, and calculate on whatever they own that day. Personal-use items are generally exempt: your home, car, furniture, clothing and household goods are not counted. Scholars differ on gold and silver jewellery worn regularly: the Hanafi school counts it as zakatable, while many scholars of the other schools exempt jewellery for normal personal use. This calculator does not decide the question for you; include or exclude jewellery according to the view you follow, and consult a qualified scholar for your situation.

Pakistan note: under the Zakat and Ushr Ordinance, 1980, banks deduct zakat at 2.5% at source on the first day of Ramadan from savings, PLS and similar accounts whose balance is at or above the nisab notified by the government (Rs 503,529 for Ramadan 2026). Account holders who wish to pay zakat themselves, or whose fiqh does not accept deduction at source, can submit the Zakat Declaration Form CZ-50 to their bank in advance (banks ask for it at least 30 days before the deduction date). If zakat was already deducted from your account, you may take that into account when settling the rest of your zakat, but ask a scholar how it applies to you.