Zakat Calculator

To calculate Zakat: 1) Sum up all eligible assets (cash savings, bank deposits, gold, silver, stocks, and business inventory). 2) Deduct immediate short-term liabilities and debts due. 3) Compare your net assets against the Nisab threshold (7.5 tola gold or 52.5 tola silver). 4) If net assets equal or exceed Nisab, multiply net wealth by 2.5% (0.025) to find your total Zakat due.

Zakat is the third of the Five Pillars of Islam — an obligatory annual charity of 2.5% of a Muslim's qualifying wealth given to specified eligible recipients (mentioned in Surah At-Tawbah 9:60). It is obligatory (Fard) on every Muslim who: 1) Is adult and sane, 2) Owns wealth above the Nisab threshold, 3) Has held that wealth for one full lunar year (Hawl), 4) Has excess wealth beyond basic needs. Zakat is not a tax — it is a religious obligation with spiritual reward (sawab).

Nisab is the minimum threshold of wealth a Muslim must possess for one full lunar year before Zakat becomes obligatory. Shariah fixes Nisab at 87.48 grams of pure gold (7.5 tola) OR 612.36 grams of pure silver (52.5 tola). The monetary value is calculated by multiplying these weights by the current spot price. For 2026: Pakistan's official Nisab is approximately Rs. 503,529, India's ₹4,32,000, UAE AED 21,500, UK £3,500, US $4,800. You use the LOWER of the two (silver standard) for mixed wealth, per the Hanafi school recommended by most contemporary scholars.

For mixed wealth portfolios (cash + gold + silver + investments), the majority of contemporary Islamic scholars — including those following the Hanafi school — recommend using the Silver Nisab standard. This is because silver's lower market price creates a lower threshold, qualifying more people as Zakat payers and thereby distributing more wealth to the poor. The Gold standard is more conservative and applies when you exclusively hold gold savings. In practice: if your net wealth exceeds the silver Nisab value, Zakat is due regardless of which metals you hold.

No — you cannot deduct your entire outstanding mortgage principal from Zakat assets. According to contemporary Islamic finance standards (AAOIFI), only short-term debts due immediately can be fully deducted. For long-term loans (like a 20-year mortgage), you may only deduct the portion of installments coming due over the next 12 months. This prevents artificially low Zakat amounts. Example: If your outstanding mortgage is Rs. 5,000,000 but monthly installments are Rs. 35,000, you can only deduct Rs. 420,000 (12 × 35,000) from your Zakat assets.

No. Zakat is NOT applicable to primary necessities of life: 1) Your primary residential home (even if owned outright), 2) Personal everyday-use vehicles, 3) Clothing, household furniture, and appliances, 4) Tools and equipment used directly for your profession, 5) Food for your family's basic sustenance. Zakat IS due on: Cash savings (bank accounts, digital wallets), gold and silver (bullion, coins, and excess jewelry), investment properties held for resale, stocks and shares, business inventory and trade goods, cryptocurrency, and money owed to you (receivables).

Zakat on gold jewelry depends on your school of thought: 1) Hanafi (most common in Pakistan, India, Bangladesh): Zakat due on ALL gold jewelry regardless of use, 2) Shafi'i, Maliki, Hanbali: Zakat due only on jewelry held as investment (savings), exempt on daily-wear jewelry within reasonable limits. For calculation: 1) Weigh your jewelry in grams, 2) Note the karat (24k, 22k, 21k, 18k), 3) Multiply weight × karat purity × current gold rate per gram, 4) Add to your other Zakatable assets. 22k jewelry is 91.67% pure (22/24).

The Zakat rate is fixed at 2.5% (1/40th) of total qualifying wealth, applied once per lunar year (Hawl). Calculation formula: Zakat Due = (Gross Zakatable Assets - Allowable Debts) × 0.025. This must be paid only if Net Wealth ≥ Nisab Threshold. Example: Net wealth of Rs. 1,000,000 with Nisab of Rs. 503,529 → Zakat Due = 1,000,000 × 0.025 = Rs. 25,000. The lunar year requirement (Hawl) means you should track when your wealth first crossed the Nisab and pay Zakat on the anniversary date each year.

Surah At-Tawbah (9:60) specifies 8 categories of eligible Zakat recipients (Asnaf): 1) Fuqara (the poor), 2) Masakin (the needy), 3) Aamilun (Zakat administrators/collectors), 4) Muallafat al-Qulub (those whose hearts are to be reconciled), 5) Fi al-Riqab (freeing captives/slaves), 6) Al-Gharimin (those in debt), 7) Fi Sabilillah (in the cause of Allah, including students of knowledge), 8) Ibn al-Sabil (travelers in need). Zakat cannot be given to: your direct ancestors/descendants, spouse, non-Muslims (according to some scholars, though many allow it in modern contexts), or the wealthy.

Zakat must be paid once per lunar year (Hawl) on the anniversary of when your wealth first reached Nisab. However, the most blessed time to pay Zakat is during Ramadan (especially the last 10 nights), as the reward (sawab) is multiplied. Many Muslims in Pakistan, India, and the Gulf pay Zakat in Ramadan regardless of their Hawl date. You may also pay Zakat early (before your Hawl) — this is permitted, especially if a recipient urgently needs it. Zakat is due IMMEDIATELY when conditions are met — delaying without valid reason is sinful.

Yes, most contemporary Islamic scholars (including those at AAOIFI, Binance Fatwa Council, and major Saudi/Indonesian scholars) have ruled that cryptocurrency is subject to Zakat, similar to other tradable digital assets. Treat crypto like stocks: 1) Calculate the current market value of your holdings on your Zakat anniversary date, 2) Include in your total Zakatable wealth, 3) Pay 2.5% on the net value after deducting any crypto-related debts (exchange fees, borrowed funds). If you hold long-term and it's not for trading, some scholars exempt unrealized gains until sold — but the conservative view is to pay on current value.

Yes, Zakat can be paid in installments, especially for large amounts. This is permitted (mustahabb) and is a common modern practice, particularly for business owners or those with significant wealth. However, the obligation (Fard) is fulfilled once you have paid the total 2.5%. Many Islamic charities accept monthly Zakat payments, and you can distribute your Zakat to multiple recipients over time. Some scholars recommend paying it as soon as possible to avoid the sin of delay (ta'kheer). Using our calculator, you can export the exact amount and pay it via your preferred channel.

Zakat is obligatory (Fard) charity with a fixed rate (2.5%) and specific rules — it is one of the Five Pillars. Sadaqah is voluntary charity with no fixed amount or rules — it is highly recommended (Mustahabb) but not obligatory. Zakat has restrictions on recipients (8 categories in Quran 9:60), must be paid annually, and has a Nisab threshold. Sadaqah has no threshold, can be given to anyone (including non-Muslims and family), and can be given any amount any time. Both are rewarded by Allah, but Zakat is a religious obligation that Muslims must fulfill.

For 2026, the Government of Pakistan's official Zakat Nisab threshold (announced by the Ministry of Poverty Alleviation and Social Safety) is approximately Rs. 503,529. This is based on the Silver Nisab (612.36g) using the official rate. Bank accounts holding Rs. 503,529 or more on the 1st of Ramadan are subject to automatic 2.5% Zakat deduction by the bank (under Pakistan's Zakat and Ushr Ordinance 1980). For Gold Nisab, the threshold is approximately Rs. 2,344,560 (87.48g × current gold rate). Our calculator uses live market rates for precise calculation.

Zakat on a business (trading) is calculated on the current value of trade goods, inventory, and receivables, MINUS business expenses and debts. Formula: 1) Total all inventory at current market/sale value, 2) Add accounts receivable (money owed to you), 3) Add cash in business accounts, 4) Subtract short-term business debts and accounts payable, 5) If the net business Zakatable wealth > Nisab, apply 2.5%. Business fixed assets (machinery, vehicles, buildings) used for operations are NOT subject to Zakat — only circulating/trade capital. Zakat on a business is typically paid from the business account itself.

Yes and no. You CAN pay Zakat to relatives who are NOT your direct dependents (who you already support). Permitted: cousins, uncles, aunts, nephews, nieces, siblings (if not your financial responsibility), and in-laws. NOT permitted (these Zakat payments don't count): 1) Your parents and grandparents, 2) Your children and grandchildren, 3) Your spouse, 4) Anyone you are already legally obligated to support. In fact, paying Zakat to a poor relative gives DOUBLE reward: one for Zakat, one for Sila Rahim (maintaining family ties).