📖 Quranic Ayaat
وَأَقِيمُوا الصَّلَاةَ وَآتُوا الزَّكَاةَ وَمَا تُقَدِّمُوا لِأَنفُسِكُم مِّنْ خَيْرٍ تَجِدُوهُ عِندَ اللَّهِ
"And establish prayer and give Zakat, and whatever good you put forward for yourselves — you will find it with Allah."
Surah Al-Baqarah 2:110
خُذْ مِنْ أَمْوَالِهِمْ صَدَقَةً تُطَهِّرُهُمْ وَتُزَكِّيهِم بِهَا وَصَلِّ عَلَيْهِمْ ۖ إِنَّ صَلَاتَكَ سَكَنٌ لَّهُمْ
"Take from their wealth a charity by which you purify them and cause them to increase, and invoke blessings upon them. Indeed, your invocations are reassurance for them."
Surah At-Tawbah 9:103
إِنَّمَا الصَّدَقَاتُ لِلْفُقَرَاءِ وَالْمَسَاكِينِ وَالْعَامِلِينَ عَلَيْهَا وَالْمُؤَلَّفَةِ قُلُوبُهُمْ وَفِي الرِّقَابِ وَالْغَارِمِينَ وَفِي سَبِيلِ اللَّهِ وَابْنِ السَّبِيلِ
"Zakah expenditures are only for the poor and for the needy and for those employed to collect it and for bringing hearts together and for freeing captives and for those in debt and for the cause of Allah and for the traveller — an obligation imposed by Allah."
Surah At-Tawbah 9:60
وَالَّذِينَ يَكْنِزُونَ الذَّهَبَ وَالْفِضَّةَ وَلَا يُنفِقُونَهَا فِي سَبِيلِ اللَّهِ فَبَشِّرْهُم بِعَذَابٍ أَلِيمٍ
"And those who hoard gold and silver and do not spend it in the way of Allah — give them tidings of a painful punishment."
Surah At-Tawbah 9:34
وَأَقِيمُوا الصَّلَاةَ وَآتُوا الزَّكَاةَ وَأَطِيعُوا الرَّسُولَ لَعَلَّكُمْ تُرْحَمُونَ
"And establish prayer and give Zakat and obey the Messenger — that you may receive mercy."
Surah An-Nur 24:56
مَّثَلُ الَّذِينَ يُنفِقُونَ أَمْوَالَهُمْ فِي سَبِيلِ اللَّهِ كَمَثَلِ حَبَّةٍ أَنبَتَتْ سَبْعَ سَنَابِلَ فِي كُلِّ سُنبُلَةٍ مِّئَةُ حَبَّةٍ
"The example of those who spend their wealth in the way of Allah is like a seed which grows seven spikes; in each spike is a hundred grains. And Allah multiplies His reward for whom He wills."
Surah Al-Baqarah 2:261
📜 Ahadith of the Prophet ﷺ
بُنِيَ الْإِسْلَامُ عَلَى خَمْسٍ: شَهَادَةِ أَنْ لَا إِلَهَ إِلَّا اللَّهُ وَأَنَّ مُحَمَّدًا رَسُولُ اللَّهِ، وَإِقَامِ الصَّلَاةِ، وَإِيتَاءِ الزَّكَاةِ، وَالْحَجِّ، وَصَوْمِ رَمَضَانَ
"Islam is built upon five pillars: the testimony that there is no god but Allah and that Muhammad is His messenger, establishing prayer, giving Zakat, performing Hajj, and fasting in Ramadan."
Sahih Al-Bukhari 8 & Sahih Muslim 16
مَا نَقَصَتْ صَدَقَةٌ مِنْ مَالٍ، وَمَا زَادَ اللَّهُ عَبْدًا بِعَفْوٍ إِلَّا عِزًّا، وَمَا تَوَاضَعَ أَحَدٌ لِلَّهِ إِلَّا رَفَعَهُ اللَّهُ
"Charity does not decrease wealth. No one forgives except that Allah increases him in honour; and no one humbles himself for Allah except that Allah raises his status."
Sahih Muslim 2588 — Narrated by Abu Hurayrah (RA)
أَدُّوا زَكَاةَ أَمْوَالِكُمْ
"Pay the Zakat on your wealth." — The Prophet ﷺ commanded the believers to fulfil this pillar. He also said: "Whoever pays the Zakat on his wealth will have its evil removed from him."
Musnad Ahmad — Narrated by Jabir ibn Abdullah (RA)
مَنْ آتَاهُ اللَّهُ مَالًا فَلَمْ يُؤَدِّ زَكَاتَهُ مُثِّلَ لَهُ مَالُهُ يَوْمَ الْقِيَامَةِ شُجَاعًا أَقْرَعَ لَهُ زَبِيبَتَانِ يُطَوَّقُهُ يَوْمَ الْقِيَامَةِ
"Whoever is made wealthy by Allah and does not pay the Zakat of his wealth, then on the Day of Resurrection his wealth will be made like a bald-headed poisonous male snake with two black spots over the eyes. The snake will encircle his neck and bite his cheeks."
Sahih Al-Bukhari 1403 — Narrated by Abu Hurayrah (RA)
حَصِّنُوا أَمْوَالَكُمْ بِالزَّكَاةِ، وَدَاوُوا مَرْضَاكُمْ بِالصَّدَقَةِ، وَأَعِدُّوا لِلْبَلَاءِ الدُّعَاءَ
"Protect your wealth by giving Zakat; treat your sick with Sadaqah (charity); and prepare for the waves of calamity by making du'a."
At-Tabarani — Narrated by Ibn Mas'ud (RA)
إِنَّ اللَّهَ فَرَضَ عَلَيْهِمْ صَدَقَةً فِي أَمْوَالِهِمْ، تُؤْخَذُ مِنْ أَغْنِيَائِهِمْ فَتُرَدُّ عَلَى فُقَرَائِهِمْ
"Indeed Allah has obligated upon them a Sadaqah (Zakat) to be taken from their wealthy and given back to their poor."
Sahih Al-Bukhari 1496 & Sahih Muslim 19 — Narrated by Ibn Abbas (RA)
What is Zakat? A Complete Guide for Muslims in Pakistan
Zakat is one of the Five Pillars of Islam and a mandatory religious obligation for every financially capable Muslim. The word "Zakat" (زکوٰۃ) literally means "purification" and "growth" — by giving a portion of your wealth to those in need, you purify your remaining assets and earn the blessings of Allah. Our Zakat Calculator for 2026 makes it straightforward to compute your exact obligation in Pakistani Rupees (PKR), covering gold, silver, cash, and business assets.
Every year, millions of Muslims across Pakistan seek a reliable Zakat calculator Pakistan tool that reflects current market rates. Whether you are calculating zakat on jewellery, bank savings, or your trade inventory, the principle is consistent: 2.5% of your total net zakatable wealth, provided that wealth has been in your possession for a complete lunar year (Hawl) and exceeds the Nisab threshold.
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Nisab Threshold
Minimum wealth level to qualify for Zakat — equivalent to 87.48g gold or 612.36g silver in value.
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Hawl (One Lunar Year)
Your wealth must have remained above Nisab for a full lunar year before Zakat becomes due.
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Rate: 2.5%
Zakat is 2.5% of your total zakatable assets — one of the lowest charitable rates in any tradition.
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Who Receives?
The Quran lists 8 categories (Asnaf), including the poor, debtors, wayfarers, and those working to collect Zakat.
How to Use This Zakat Calculator 2026
Our free online Zakat calculator PKR is designed for simplicity and accuracy. Here is how to get your Zakat figure in just a few steps:
Step 1 – Choose Your Category: Select from General (all assets), Gold & Silver, Business, or the Quick calculator depending on your needs.
Step 2 – Enter Your Assets: Input the value of your cash in hand, bank balances, savings, gold jewellery, silver, business inventory, and money owed to you.
Step 3 – Deduct Liabilities: Subtract any immediate debts, outstanding loans, or bills that are due within the year.
Step 4 – Calculate: Click the Calculate button. The tool instantly checks your total against the Nisab threshold and displays your Zakat amount in PKR.
📌 Important Note for 2026: Gold rates in Pakistan have experienced significant movement in recent years due to global inflation and currency fluctuations. Always use the most current gold price per gram from the Pakistan Mercantile Exchange (PMEX) or your local jeweller when using this Zakat calculator rupees Pakistan tool. You can update the gold rate directly in the Gold & Silver tab above.
Zakat Calculator on Gold — Detailed Explanation
Gold is one of the most common forms of wealth in Pakistani households, making the Zakat calculator on gold one of the most frequently searched tools online. According to Islamic jurisprudence (Fiqh), Zakat is obligatory on gold that has been held for a full lunar year (Hawl) and meets or exceeds the Nisab — which is 7.5 Tolas or 87.48 grams of gold.
A common question is whether Zakat applies to gold jewellery worn for personal use. The majority Hanafi position (most widely followed in Pakistan) holds that Zakat is due on all gold jewellery — whether worn or stored — once it reaches the Nisab. The Shafi'i, Maliki, and Hanbali schools have differing views, with some exempting regularly worn jewellery. Our gold Zakat calculator Pakistan follows the Hanafi position as default, given its prevalence in the Pakistani context.
| Gold Karat | Purity % | Approx. Rate/gram (PKR) | Nisab Weight |
|---|
| 24K (Pure) | 99.9% | ₨ 24,440 | 87.48g |
| 22K | 91.67% | ₨ 22,400 | 87.48g |
| 18K | 75% | ₨ 18,330 | 87.48g |
| 14K | 58.33% | ₨ 14,256 | 87.48g |
Zakat Calculator in Rupees — Nisab Value 2026
The Nisab is the minimum threshold of wealth above which Zakat becomes obligatory. There are two Nisab standards used by scholars:
Gold Nisab: 87.48 grams (7.5 Tolas) of gold. At the current rate of approximately PKR 24,440 per gram, the Gold Nisab in 2026 stands at around PKR 21,37,500.
Silver Nisab: 612.36 grams (52.5 Tolas) of silver. At the current silver rate of approximately PKR 274 per gram, the Silver Nisab stands at around PKR 1,67,786.
Scholars generally recommend using the Silver Nisab as it is lower and thus includes more people in the obligation to give Zakat, benefiting more of the poor. However, many Pakistani scholars use the Gold Nisab to avoid hardship on middle-income earners. Check with your local scholar for guidance specific to your madhab.
1 Lakh Zakat Calculator — How Much is 2.5% of 1 Lakh?
One of the most common queries in Pakistan is the 1 lakh Zakat calculator — people want to know exactly how much Zakat is due on savings or wealth of 1 lakh rupees (PKR 1,00,000).
Zakat on 1 Lakh Rupees (PKR 1,00,000):
Zakat = 2.5% × 1,00,000 = PKR 2,500
However, you must first check: is PKR 1,00,000 above the current Nisab? At the 2026 Silver Nisab of approx. PKR 1,67,786, it is below the Gold Nisab but may be below the Silver Nisab too — verify with current rates. If your total zakatable assets across all categories combined exceed Nisab, then Zakat is due on the total wealth, not just the cash portion.
| Total Wealth (PKR) | Zakat Due (2.5%) | Above Nisab (Silver)? |
|---|
| ₨ 50,000 | ₨ 1,250 | Check silver rate |
| ₨ 1,00,000 | ₨ 2,500 | Borderline |
| ₨ 2,00,000 | ₨ 5,000 | ✅ Yes |
| ₨ 5,00,000 | ₨ 12,500 | ✅ Yes |
| ₨ 10,00,000 | ₨ 25,000 | ✅ Yes |
| ₨ 25,00,000 | ₨ 62,500 | ✅ Yes |
| ₨ 1 Crore | ₨ 2,50,000 | ✅ Yes |
What Assets Are Included in Zakat Calculation?
Understanding which assets are zakatable is crucial for an accurate Zakat calculator rupees calculation. Below is a comprehensive breakdown of zakatable versus non-zakatable assets for Muslims in Pakistan:
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Zakatable Assets
Cash, bank savings, gold, silver, trade goods/inventory, shares & mutual funds (market value), money lent to others, rental income (saved portion), agricultural produce, livestock
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Non-Zakatable Assets
Primary residence, personal-use vehicles, furniture & appliances, clothing, tools of trade (machinery), land held for personal use, pension funds (until received)
Zakat on Gold in Pakistan — Frequently Asked Questions
Is Zakat applicable on gold jewellery worn daily?
According to the Hanafi school of thought — followed by the vast majority of Muslims in Pakistan — Zakat is obligatory on all gold jewellery regardless of whether it is worn or stored, provided the total gold reaches the Nisab of 87.48 grams and a lunar year (Hawl) has passed. This is the dominant scholarly opinion in Pakistan, though some scholars follow the Shafi'i or Maliki view which exempts jewellery in regular personal use. You should consult your local scholar for a fatwa specific to your circumstances.
How do I calculate Zakat on gold in Pakistan 2026?
To calculate gold Zakat in Pakistan for 2026: (1) Weigh all your gold in grams. (2) Multiply by the current market rate per gram (approx. PKR 24,440 for 24K in 2026). (3) Adjust for purity — 18K gold is 75% pure, so multiply by 0.75. (4) Check if the total value exceeds the Gold Nisab (≈PKR 21,37,500). (5) If yes, calculate 2.5% of the total gold value as Zakat. Our gold Zakat calculator Pakistan above automates all these steps for you.
What is the Nisab for Zakat in Pakistan in 2026?
The Nisab in 2026 varies based on which standard you use. For the Gold Nisab: 87.48 grams of gold (≈PKR 21,37,500 at current rates). For the Silver Nisab: 612.36 grams of silver (≈PKR 1,67,786 at current rates). Many Pakistani scholars and Islamic finance institutions recommend the Silver Nisab as it covers more people. The State Bank of Pakistan and most Pakistani Zakat collection authorities use the Gold Nisab as the standard threshold.
When is Zakat due — which month in Pakistan?
Zakat in Pakistan is traditionally deducted by banks on the 1st of Ramadan (the government's mandatory Zakat deduction system operates under the Zakat & Ushr Ordinance 1980). However, Zakat can technically be paid at any time during the Islamic lunar year once the Hawl (one complete lunar year of possessing wealth above Nisab) is complete. Most Muslims choose Ramadan for its extra spiritual rewards. If you have Zakat savings accounts (Zakat-exempt accounts), you must declare yourself a non-Zakatable individual with your bank.
Can I use this Zakat calculator for business assets?
Yes. Our Zakat calculator Pakistan includes a dedicated Business tab for calculating Zakat on trade goods, business inventory, receivables, and cash at hand. Business Zakat (also called Zakat on Trade/Tijarah) applies to the market value of goods held for sale, not the fixed assets like machinery or property. Subtract your outstanding business debts and payables from your zakatable business assets to arrive at the net amount, then calculate 2.5% of that figure.
Is Zakat deducted automatically from bank accounts in Pakistan?
Yes. Under the Zakat and Ushr Ordinance 1980, Pakistani banks automatically deduct Zakat from savings accounts that exceed the Nisab on the 1st of Ramadan each year. The deducted amount is credited to the Central Zakat Fund administered by the Government of Pakistan. If you prefer to pay Zakat directly (or if you are a Shia Muslim and therefore exempt), you can submit a Zakat Exemption Declaration Form (CZ-50) to your bank. Note that Term Deposits and Current Accounts are exempt from automatic deduction.
What is 2.5% of 5 lakh rupees in Zakat?
Zakat on PKR 5,00,000 = 2.5% × 5,00,000 = PKR 12,500. Since PKR 5 lakh exceeds the Silver Nisab (≈PKR 1,67,786 in 2026), Zakat would be obligatory if this wealth has been held for a complete lunar year. Use the Quick tab in our Zakat Calculator PKR tool above to instantly compute any amount.
How the Government of Pakistan Collects Zakat
The Government of Pakistan has a formal Zakat collection and distribution system under the Zakat and Ushr Ordinance, 1980. Banks deduct Zakat automatically from eligible savings accounts on the 1st of Ramadan every year. The collected funds flow into a Central Zakat Fund, which is then distributed to provincial and district Zakat committees for disbursement to eligible recipients.
However, many Islamic scholars and individuals prefer to pay Zakat directly to deserving individuals or trusted charities, as it allows more personal oversight of how funds are used. Both approaches are Islamically valid. If you opt for direct payment, our Zakat calculator rupees Pakistan tool helps you determine the exact amount you owe.
Tips for Maximising the Impact of Your Zakat in Pakistan
Once you have calculated your Zakat using our Zakat calculator PKR tool, consider these best practices for distribution:
1. Prioritise Local Needy: Begin with relatives, neighbours, and community members who are in genuine need. Zakat has the greatest social impact when it circulates within the immediate community.
2. Verify Eligibility: Ensure recipients are genuinely among the eight categories (Asnaf) listed in Surah At-Tawbah (9:60): the poor (Fuqara), the destitute (Masakeen), Zakat administrators, new Muslims, those in bondage, debtors, those striving in the path of Allah, and stranded travellers.
3. Give Through Reputable Organisations: Trusted Pakistani Zakat-distributing organisations include Edhi Foundation, Akhuwat Foundation, Shaukat Khanum Memorial Trust, and Al-Khidmat Foundation — all of which have established transparency mechanisms.
4. Keep a Record: Document what you gave, to whom, and when. This is both a spiritual practice (accountability) and practically useful if you need to revisit your calculation.
5. Don't Forget Fidya and Sadaqah: Zakat is mandatory but is distinct from Fitrana (Sadaqat al-Fitr) and voluntary Sadaqah. Try to give all three forms of charity in Ramadan for maximum barakah.
Zakat Calculator on Gold in Pakistan — Key Formulas
Gold Zakat Formula:
Zakat = Weight (g) × Purity Factor × Gold Rate (PKR/g) × 2.5%
Example: You have 100g of 18K gold. Gold rate = PKR 24,440/g.
Value = 100 × 0.75 × 24,440 = PKR 18,33,000
Zakat = 18,33,000 × 2.5% = PKR 45,825
Silver Zakat Formula:
Zakat = Weight (g) × Silver Rate (PKR/g) × 2.5%
Use the interactive Zakat calculator on gold in Pakistan tab above to calculate this instantly — no manual arithmetic needed. Simply enter your gold weight in grams or Tolas, select the purity, and click Calculate.
Disclaimer
This Zakat calculator is provided as an educational and convenience tool for Muslims in Pakistan. While every effort has been made to ensure accuracy based on mainstream Hanafi jurisprudence, this tool does not constitute a formal religious ruling (fatwa). Gold and silver rates used are approximate and should be verified against current market rates from PMEX, State Bank of Pakistan, or a reputable jeweller. For complex financial situations — such as shares, real estate held for investment, foreign currency, or business partnerships — please consult a qualified Islamic scholar or Islamic finance advisor.