Zakat Calculator

Zakat is 2.5% of your net zakatable wealth, due once a year on wealth you have held above the nisab for a full lunar year. Add up the assets that count (cash, bank balances, gold, silver, shares and funds, money owed to you, goods you hold for sale), subtract debts that are due now, and compare what is left with the nisab. If it is at or above the nisab, 2.5% is due.

What does not count: the home you live in, the car you drive, your tools and clothes. Zakat the bank has already deducted on 1 Ramadan comes off what you still owe.

The nisab is defined in metal, so its rupee value moves with the gold and silver rates. There are two traditional measures, and they are far apart because silver is much cheaper than gold per tola.

Rates live as of November 3, 2026. Many Pakistani scholars use the silver nisab because it is the lower threshold and brings more of the poor's due into the system; others use gold when wealth is mostly in cash. The calculator defaults to silver and lets you switch. Check today's metal prices in the gold calculator, and if your jeweller weighs in masha and ratti, the tola and gram converter turns it into tola.

The scholars' views on shares differ, so the calculator gives you both common methods rather than hiding the choice.

• Shares held to trade. Treated like trade goods: zakat on the full market value on your zakat date.
• Shares held long term. Treated by many scholars as a share of the company's assets, so only the part of its assets that is itself zakatable counts. A common proxy is 25% of the market value. You can enter a different percentage if your scholar or the company gives one.

Whichever method you choose, zakat is on the market value of the shares, not the price you paid. Please consult your scholar on which fits your intention when you bought.

Rs 200,000 cash, Rs 1,300,000 in a savings account, Rs 2,000,000 of PSX shares and Rs 100,000 of bills due now. The result depends on how the shares are counted:

The gap between the two columns is why the method matters, and why the calculator shows it instead of picking one for you.

Separately from your own calculation, Pakistani banks deduct zakat from certain accounts under the Zakat and Ushr Ordinance. On 1 Ramadan they deduct 2.5% from savings and profit-and-loss sharing accounts holding at least the government nisab, which for 1 Ramadan 1447 AH was Rs 503,529, notified on February 16, 2026. Current accounts are exempt, listed shares are not deducted at source, and mutual fund units are deducted on redemption.

This government figure is the nisab expressed as one rupee amount for administering the deduction. Press reports say it follows gold and silver prices when it is notified, but it is fixed for the year, so it can sit away from the live nisab above. If you qualify for an exemption from the deduction, you submit a CZ-50 declaration on Rs 50 stamp paper before 1 Ramadan, and your own obligation to pay zakat above the nisab remains. The figure for 1448 AH, around February 2027, has not been announced. Enter any amount your bank deducted under More options so you do not pay twice. The fixed deposit calculator shows the 1 Ramadan deduction on a term deposit.

Zakat on shares is different from purification, the charity share of dividends from Shariah-compliant companies whose income includes a small non-compliant portion. Use the dividend purification calculator for that, and the dividend tax calculator to see what reaches you after tax.