What is the Nisab for Zakat in Pakistan?

Nisab is the minimum wealth on which Zakat becomes due. It equals the value of 52.5 tola (612.36 grams) of silver, or 7.5 tola (87.48 grams) of gold if gold is your only asset. When you hold mixed assets such as cash and gold, the lower silver Nisab applies. At a silver rate of about Rs 6,532 per tola, the Nisab is roughly Rs 343,000.

How much Zakat do I pay?

Zakat is 2.5% of your total net zakatable wealth (assets minus immediate liabilities), provided that wealth is above the Nisab and has been held for one lunar year.

Which assets are included in Zakat?

Zakat applies to gold, silver, cash in hand, bank balances, foreign currency, business stock and inventory, money receivable, listed shares at market value, and prize bonds at face value. Immediate debts and payables are deducted.

When is Zakat calculated?

Zakat is due once a lunar (Hijri) year passes on wealth above the Nisab. Many people value their wealth on 1 Ramadan each year and pay then.

Zakat Calculator Pakistan — 2026

🕌 Shariah-based 2.5% ✅ Silver Nisab 💰 Gold, Cash & Assets

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Zakat Calculator

Calculate Zakat at 2.5% on your total wealth · 2026

2.5% Rate Nisab Based Free

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How to use: Enter everything you own that is subject to Zakat, then your immediate debts. Zakat is 2.5% of your net wealth if it is above the Nisab and you have held it for one lunar year. Update the gold & silver rates to today's market price for accuracy.

💹 Today's metal rates (per tola)

Gold rate (Rs / tola)

Silver rate (Rs / tola)

1 tola = 11.664 grams. Nisab is based on the silver rate (52.5 tola). Update both to today's rate.

🪙 Gold & Silver you own

Gold

Silver

💵 Cash & Savings

Cash in hand

Bank balance / savings

Foreign currency (in PKR value)

📈 Business & Investments

Business stock / inventory (resale value)

Money receivable (loans owed to you, recoverable)

Shares / mutual funds (market value)

Prize bonds (face value)

➖ Deduct liabilities

Immediate debts & payables (due now — loans, bills, business payables)

Zakat Payable

Rs 0

Note: This is a guide based on the 2.5% rate and the silver Nisab (52.5 tola). Views differ on some assets (e.g. gold jewellery in regular use, provident fund, partially recoverable loans). For your exact obligation, confirm with a qualified scholar.

📏 What is Nisab?

Nisab is the minimum amount of wealth you must own before Zakat becomes obligatory. If your total net wealth stays below Nisab, no Zakat is due. There are two thresholds:

Nisab basis	Weight	When it applies
Silver	52.5 tola (612.36 g)	Mixed assets — cash, gold, savings, etc. (the common case)
Gold	7.5 tola (87.48 g)	Only when gold is your sole zakatable asset

Because most people hold some cash along with gold, the lower silver Nisab is used — this is the more cautious view and benefits those eligible to receive Zakat. At a silver rate of around Rs 6,532 per tola, the Nisab works out to roughly Rs 343,000.

✅ What is included in Zakat?

Zakatable (add)	Not zakatable / deduct
Gold & silver (incl. jewellery)	Your home you live in
Cash in hand & bank balances	Personal car & household items
Foreign currency	Property for personal use
Business stock & inventory	Fixed business assets (machinery, shop)
Money receivable (recoverable loans)	Immediate debts & payables (deduct)
Shares / mutual funds (market value)
Prize bonds (face value)

❓ Frequently asked questions

How much Zakat do I have to pay?

Zakat is 2.5% of your total net wealth (zakatable assets minus immediate debts), as long as that wealth is above the Nisab and has been held for one full lunar year.

Is Zakat due on gold jewellery I wear?

Under the view commonly followed in Pakistan, Zakat is due at 2.5% on the market value of gold and silver jewellery once your total wealth exceeds the Nisab — whether it is worn or stored. Some scholars differ, so follow the ruling you trust.

When should I calculate my Zakat?

Zakat becomes due when one lunar (Hijri) year passes on wealth that stayed above the Nisab. Many people fix a date — often 1 Ramadan — value their wealth that day each year, and pay then.

Do I deduct my debts?

Yes — immediate debts and payables due now (loans, unpaid bills, business payables) are deducted from your total before applying 2.5%. Long-term loans are usually counted only for the instalment due, so check with a scholar for large liabilities.

Is Zakat the same as the tax I pay to FBR?

No. Zakat is a religious obligation on wealth, separate from income tax. Paying FBR income tax does not discharge your Zakat, and Zakat is not deductible from your taxable income — though Zakat paid to approved funds can qualify for a tax credit under the law.