Zakat Calculator
Work out what you owe this year. Nothing you type here is sent to us or saved anywhere.
Which threshold are you using?
Zakat is due once your wealth passes the nisab. There are two, and scholars differ on which to use. The silver threshold is lower, so more people become liable. Many choose it for that reason.
Based on gold at PKR 37,409 and silver at PKR 582.49 per gram, set on 4 October 2026. Metal prices move daily, so confirm today's rate if you are close to the line.
What you own
Current and savings accounts, and cash at home.
Jewellery and coins. One tola is 11.664 grams.
Jewellery, coins and utensils.
Money you have lent out and expect back.
Goods held for sale, valued at what they would sell for today.
Certificates, shares and committee savings.
This amount is subtracted from the total.
Your result
Fill in what applies to you above and the figure appears here.
How Zakat is worked out
Zakat is due on wealth that grows, not on the things you use. You add up what you own of the first kind, subtract the debts you owe now, and if what is left has sat at or above the nisab for a lunar year, you give two and a half per cent of it.
Counts towards Zakat
- Cash at home and in the bank
- Gold and silver, worn or stored
- Money you have lent out and expect back
- Stock held for sale in a business
- Certificates, shares and committee savings
Does not count
- The house you live in
- The car you drive
- Clothes and furniture you use
- The tools of your trade
- Debts you must settle now, which are subtracted
A worked example
Someone has PKR 500,000 in the bank, five tolas of gold, and owes PKR 100,000 due this month. Five tolas is 58.32 grams, worth about PKR 2,181,693 at today's rate. Add the cash, subtract the debt, and the zakatable wealth is about PKR 2,581,693. That is above both thresholds, so Zakat is due: two and a half per cent, or about PKR 64,542.
Common questions
What is the nisab, and what is it in rupees?
Nisab is the minimum wealth at which Zakat becomes due. It is set at 87.48 grams of gold or 612.36 grams of silver, so the rupee figure moves with the metal price. At the rates on this page, the gold nisab is about PKR 3.27 million and the silver nisab about PKR 357,000. Below the threshold you have chosen, no Zakat is due.
Should I use the gold nisab or the silver one?
Scholars differ. The silver threshold is far lower, so more people become liable and more is given. Many choose it for that reason. The Trust shows both and leaves the choice to you.
How much Zakat do I pay?
Two and a half per cent of the wealth you have held for one lunar year, once that wealth is at or above the nisab. On PKR 1,000,000 of zakatable wealth, the Zakat is PKR 25,000.
What counts towards Zakat?
Cash in hand and in the bank, gold and silver whether worn or stored, money you have lent out and expect back, stock held for sale in a business, and savings certificates, shares and committee savings. Debts you must pay now are subtracted.
What does not count?
The house you live in, the car you drive, the clothes and furniture you use, and the tools of your trade. These are for use, not for growth, so no Zakat is due on them.
My bank already deducted Zakat. Does that count?
Yes. Banks in Pakistan deduct Zakat from certain accounts at a nisab the government announces each Ramadan, which is a separate figure from the one on this page. Anything already deducted can be set against what you owe.
Is my information saved when I use this calculator?
No. The calculation runs in your browser. Nothing you type is sent to the Trust, stored, or logged anywhere.
What this calculator does and does not do
It applies 2.5% to the wealth you enter, once that wealth passes the nisab you selected. It assumes you have held that wealth for a lunar year, which is the condition for Zakat being due.
It is a working estimate, not a ruling. Property held for use, agricultural produce, livestock, partnership assets and pensions are treated differently by different scholars and are not covered here. If your situation is not straightforward, ask someone qualified.
Banks in Pakistan deduct Zakat on certain accounts at a nisab the government announces each Ramadan, which is a separate figure from the one above. Anything already deducted can be set against what you owe.
Questions about your Zakat and the Trust can go to oamt96@gmail.com.
How the Trust handles Zakat is set out on the Transparency page