Zakat Calculator Pakistan

What is zakat?

Zakat is the obligatory charity of Islam — one of the Five Pillars. It purifies your wealth: if your savings and trade goods reach a minimum threshold called nisab and you have held them for a full lunar year, you give 2.5% to people in need. It is not a tax on income; it is a right of the poor over accumulated wealth.

How the 2.5% is calculated

1. Add up everything zakatable: cash in hand and bank, the market value of gold and silver, stocks and investments, business merchandise at resale value, and money others owe you.
2. Subtract immediate debts and liabilities.
3. Compare the net figure to nisab. If it is equal or higher — and a lunar year has passed — your zakat is 2.5% of the net amount.

Example: net wealth of $10,000 above nisab → zakat = $10,000 × 0.025 = $250.

Understanding nisab

Nisab equals 87.48 grams of gold or 612.36 grams of silver. Because metal prices move daily, the cash value of nisab moves too — this calculator works it out live from the per-gram prices you enter. Many scholars recommend using the silver nisab because it is lower, meaning more people qualify and more charity reaches the poor.

How to calculate zakat on gold jewelry

To calculate zakat on gold jewelry, follow four steps. Step 1: weigh your gold in grams. Step 2: adjust for purity — pure gold = weight × karat ÷ 24 (so 100 g of 22K jewelry counts as 91.6 g of pure gold). Step 3: multiply by today's gold price per gram to get the market value. Step 4: if your total zakatable wealth reaches nisab (87.48 g of gold), pay 2.5% of the value.

Worked example: 100 g of 22K gold jewelry at $87/g → pure weight 91.6 g → value ≈ $7,969 → zakat = $7,969 × 0.025 ≈ $199. Enter your own gold weight and price in the calculator above for the exact amount.

How is nisab calculated for zakat?

To calculate nisab for zakat, take the current market price of one gram of gold and multiply it by 85 grams (the Hanafi classical figure is 87.48 grams, equal to 20 dinars). Because metal prices move every day, nisab is floating: it changes with the market. For example, if gold costs $100 per gram, the gold nisab is $8,500; if gold drops to $75 per gram, nisab becomes $6,375. Always check the price on your zakat anniversary date. The same method applies to silver: multiply the current silver price per gram by 595 grams (Hanafi figure: 612.36 grams).

Which nisab should you use — gold or silver? Most contemporary scholars recommend the silver nisab for mixed assets, because it is lower and more cautious: more people pay and more charity reaches the poor. Use the gold nisab if gold is your only zakatable asset. Once you record the date your wealth first reached nisab, one lunar year (Hawl) later, if you are still at or above nisab, you pay 2.5% (1/40th) of your net zakatable wealth.

How to calculate zakat on gold coins

Gold coins — sovereigns, bullion coins, mint bars — are zakatable gold, valued at today's market price just like jewelry. Count every coin you own, convert to pure-gold weight with weight × karat ÷ 24, then multiply by the current gold price per gram and pay 2.5% (or divide by 40) if the total is at or above nisab.

Worked examples:

• 22K sovereigns: 10 sovereigns × 7.99 g = 79.9 g at 22K → pure weight 79.9 × 22 ÷ 24 ≈ 73.2 g (below the 85 g nisab on its own, unless you hold other assets).
• 18K coins: 100 g of 18K coins = 100 × 18 ÷ 24 = 75 g pure (below nisab alone).
• 24K coins above nisab: 100 g of 24K at $60/g = $6,000 → zakat = $6,000 × 0.025 = $150. You can also pay as physical gold: 2.5 g per 100 g.

Purity conversions rankers use: 100 g of 22K = 91.67 g pure (above nisab); 100 g of 14K = 58.33 g pure (below nisab). Enter your own coin weight and purity in the calculator above for the exact amount.

Zakat gold price and nisab in 2026

Zakat is always calculated on the current market price, never the price you paid years ago. Recent 2026 figures: as of 8 October 2026, gold was about $189.01 per gram — making zakat $4.73 per gram of gold (2.5%), and the gold nisab (87.48 g) about $16,534.59. In the UK on 18 October 2026, the gold nisab was £8,788.00 and the silver nisab £841.61; in Saudi Arabia the gold nisab was roughly SAR 52,488. Prices differ between sources, so always enter today's price in the calculator above and check your local jeweller or sarafa rate on your zakat date. (This section will be refreshed for 2027 in January.)

Who can receive zakat?

The Quran (9:60) names eight categories, including the poor, the needy, those in debt, and travellers in need. Zakat cannot be given to your own dependents (parents, spouse, children) whom you are already obliged to support, but it can go to siblings, relatives in need, and trustworthy charities.

Who must pay zakat?

Zakat is obligatory for every sane, adult Muslim whose zakatable wealth reaches nisab and completes one lunar year (Hawl) in their possession. It is an Amanah — a sacred trust — and the Quran describes it as a purification of wealth (9:103). Children and those not of sound mind are exempt.

When should you pay?

Zakat al-Mal is due as soon as your Hawl completes — that can fall in any month, not only Ramadan. Many Muslims choose Ramadan for the multiplied reward, but delaying past your due date without reason is discouraged. Zakat al-Fitr (Fitrana) is separate: a fixed amount of food or its value, paid before the Eid al-Fitr prayer.