Calculate your annual Zakat on savings, gold, silver, investments and business assets in Pakistani Rupees. Based on current Nisab values.
✅ Last verified: June 2026 — Based on current Nisab values for gold and silver
⚡ QUICK ANSWER
Zakat rate is 2.5% of total zakatable assets held for one lunar year (Hawl). Silver Nisab (2026): ~Rs. 6,45,232 — Gold Nisab: ~Rs. 42,59,090. On Rs. 10,00,000 in savings: Zakat due = Rs. 25,000/year. Most scholars recommend Silver Nisab as it includes more people. Primary home, car, and personal items are NOT zakatable.
☪️ Zakat Calculator — Pakistan 2026
Nisab (2026 estimate): Gold Nisab (~87.48g) ≈ Rs. 42,59,090 | Silver Nisab (~612.36g) ≈ Rs. 6,45,232
Zakat = 2.5% of total zakatable assets held for one lunar year (Hawl).
Enter the amounts you have held for a full lunar year (Hawl):
Calculated at 2.5% on total zakatable assets above Nisab threshold.
Total Assets
Nisab Met?
Zakat (2.5%)
Monthly
Rs. 5,00,000
❌ Below Nisab
Rs. 0
Rs. 0
Rs. 10,00,000
✅ Yes
Rs. 25,000
Rs. 2,083
Rs. 25,00,000
✅ Yes
Rs. 62,500
Rs. 5,208
Rs. 50,00,000
✅ Yes
Rs. 1,25,000
Rs. 10,417
Rs. 1,00,00,000
✅ Yes
Rs. 2,50,000
Rs. 20,833
⚖️ Gold vs Silver Nisab Comparison 2026
Nisab Type
Weight
Value (2026 est.)
Scholar Opinion
Gold Nisab
87.48 grams
~Rs. 42,59,090
Some scholars
Silver Nisab ✅ Recommended
612.36 grams
~Rs. 6,45,232
Majority scholars
* Nisab values change daily based on gold/silver market prices. Values above are estimates for June 2026. Please verify current rates before calculating.
📋 What is Zakatable vs Exempt?
✅ Zakatable Assets
❌ Exempt (NOT Zakatable)
Cash & bank savings
Primary home (for personal use)
Gold & silver (investment)
Personal car & vehicle
Stocks & mutual funds
Furniture & household items
Business inventory & goods
Personal clothes & jewelry (worn)
Money owed to you (receivables)
Tools & equipment for personal use
💡 Zakat Tips & Rules
What is Nisab?
Nisab is the minimum amount of wealth a Muslim must have before Zakat becomes obligatory. Most scholars recommend using Silver Nisab as it includes more people and assets.
One Lunar Year (Hawl)
Zakat is only due on wealth held for a complete lunar year. If your wealth falls below Nisab during the year, a new Hawl starts when it reaches Nisab again.
What is NOT Zakatable?
Your primary home, personal car, furniture, and clothes are exempt from Zakat. Only wealth held for investment or trade purposes is included.
Zakat on Salary
Zakat is not directly on your salary income. Instead, it is calculated on the savings remaining after a full lunar year. Any savings still in your account after 12 months are zakatable.
Zakat FAQs 2026
What is Nisab for Zakat in Pakistan 2026?
Nisab is the minimum wealth threshold for Zakat. Gold Nisab (87.48g) ≈ Rs. 42,59,090 and Silver Nisab (612.36g) ≈ Rs. 6,45,232 in 2026. These values change based on daily gold/silver prices. Most scholars recommend Silver Nisab.
What is the Zakat rate?
The Zakat rate is 2.5% of total zakatable assets that have been held for a complete lunar year (Hawl) and exceed the Nisab threshold. On Rs. 10,00,000 savings, Zakat = Rs. 25,000.
Is salary zakatable?
Zakat is not directly on salary income. It is calculated on savings remaining after a full lunar year. Any savings still in your account after 12 months that exceed Nisab are zakatable at 2.5%.
What assets are exempt from Zakat?
Your primary home, personal car, furniture, clothes and personal use items are exempt. Only wealth held for investment or trade purposes, plus savings, gold, silver, and stocks is zakatable.
Should I use Gold or Silver Nisab?
Most contemporary scholars recommend Silver Nisab (Rs. 6,45,232) as it is lower and includes more Muslims in the obligation of Zakat. Gold Nisab (Rs. 42,59,090) is significantly higher and would exclude many people from paying Zakat.
How is Zakat on gold calculated in Pakistan?
Zakat on gold is 2.5% of the current market value of gold you own that has been held for one lunar year. If you have gold worth Rs. 10,00,000, your Zakat = Rs. 25,000. Gold jewellery worn regularly may be exempt according to some scholars.