Zakat Calculator

1. Add your zakatable assets

   Cash, gold/silver, investments and business stock, and anything else zakatable.

2. Subtract debts due

   Liabilities due for payment now reduce your net zakatable wealth.

3. Check against nisab

   Enter today's nisab value, or leave blank to see zakat on your full net wealth.

4. See your zakat due

   2.5% of your net zakatable wealth, if above nisab.

The 2.5% applies to what you still hold on your Zakat date, after debts due are taken off — not to what you earned during the year. Someone who earned a great deal and spent it owes little; someone who earned modestly and saved owes more. On Rs 1,000,000 of net zakatable wealth the Zakat is Rs 25,000.

Which nisab you use changes who pays

Nisab has two traditional bases, gold and silver, and they have drifted a long way apart. The silver threshold is the lower of the two, so using it brings more people into Zakat and produces a larger number of small payers. Many scholars in Pakistan prefer silver for exactly that reason — it favours the recipient. This calculator asks for your own nisab figure rather than picking for you, because the choice is a religious one and the rupee value moves with the metal price.

The lunar year, and your bank

Zakat falls due after a full lunar year of holding the wealth. A lunar year is about 354 days, so your Zakat date moves roughly eleven days earlier against the Gregorian calendar each year.

Separately, Pakistani banks deduct Zakat at source from qualifying savings accounts on the first of Ramadan under the Zakat and Ushr Ordinance 1980. Account holders who file the prescribed declaration with their bank are exempt from that deduction. If your bank has already deducted, count it towards what you owe rather than paying twice.

Where this stops

It works from the figures you enter. It cannot tell you whether a particular asset is zakatable — jewellery in regular use, a plot bought to live on rather than to trade, and money owed to you that may never arrive are all treated differently by different scholars. Where you are unsure, ask someone qualified rather than guessing.