How to Calculate Zakat in Pakistan 2026: Gold, Cash, Silver & Savings

Calculating Zakat may sound simple when it is described as “2.5% of your wealth.” In practice, most questions come before that multiplication.

Which assets should you include? How should you value gold and silver? Does money in a bank account count? Which Nisab should you use? Can debts be deducted? And what happens if Zakat has already been deducted from your bank account in Pakistan?

This guide explains a practical way to calculate Zakat in Pakistani rupees using gold, silver, cash, bank savings, business assets and collectible receivables. It also explains an important distinction between your personal Zakat calculation and Pakistan's statutory Zakat deduction at source from certain bank accounts.

If you already know which assets apply to you, you can use the Zakat Calculator Pakistan alongside this guide to calculate an estimated amount in PKR.

Quick answer: Add your qualifying Zakatable assets, subtract eligible short-term debts according to the guidance you follow, compare the resulting wealth with the applicable Nisab, and—where the Nisab and Hawl requirements are satisfied—calculate 2.5% of the qualifying wealth.

1.What is the Zakat rate in Pakistan?

For the types of wealth covered in this guide, the basic calculation rate is:

Zakat = Qualifying Zakatable Wealth × 2.5%

The same calculation can also be written as:

Zakat = Qualifying Zakatable Wealth ÷ 40

For example, suppose your qualifying Zakatable wealth is Rs 1,000,000.

Rs 1,000,000 × 2.5% = Rs 25,000

So the calculated Zakat would be Rs 25,000, subject to the applicable Nisab, Hawl and other relevant conditions.

Pakistan's Zakat and Ushr Ordinance, 1980 specifies a 2.5% self-assessment rate for several relevant categories. Its Second Schedule includes gold and silver at market value, cash, loans receivable, certain securities and stock-in-trade under their respective valuation rules.

You can check the arithmetic using the HisaabKit Zakat Calculator, which also accounts for its supported assets, Nisab selection, eligible short-term debts and Hawl confirmation.

2.What is Nisab?

Nisab is the minimum threshold relevant to whether wealth becomes subject to Zakat.

For personal calculation, HisaabKit provides two Nisab approaches:

Gold-only Nisab: 87.48 grams of gold, equivalent to 7.5 tola.

Mixed-assets / silver Nisab: 612.36 grams of silver, equivalent to 52.5 tola.

The important point is that these weights do not have one permanent rupee value.

If the market price of gold or silver changes, the PKR value of the corresponding Nisab changes as well.

For example, suppose silver is valued at an illustrative Rs 350 per gram:

612.36 grams × Rs 350 = Rs 214,326

In this example, the silver-based Nisab would be Rs 214,326.

If your relevant net Zakatable wealth were Rs 800,000, it would be above that illustrative threshold.

The Rs 350 silver price is only an example to explain the calculation. Always use an appropriate price for your actual calculation date.

The Zakat Calculator Pakistan calculates its selected metal-based Nisab from the gold or silver price entered rather than relying on one permanent PKR figure.

3.Gold Nisab or silver Nisab: which should you use?

This is an important question because the value of the two thresholds can differ substantially.

HisaabKit's calculator provides a gold-only Nisab option for gold-only wealth and a mixed-assets/silver Nisab option for calculations involving categories such as cash, silver, business assets or receivables.

Individual circumstances and scholarly guidance can differ. If you are uncertain about which Nisab basis applies to your circumstances, consult a qualified scholar rather than simply choosing whichever threshold produces the preferred result.

4.What is Hawl?

Another important concept is Hawl, meaning one complete lunar year.

HisaabKit's calculation model asks you to confirm that the relevant qualifying wealth has remained at or above the applicable Nisab for one complete lunar year.

This matters because a calculator can see the amount you enter today, but it cannot independently know the history of your wealth during the preceding lunar year.

For example, having Rs 1,000,000 today does not by itself establish how much qualifying wealth you held throughout the relevant period.

If your wealth moved above and below Nisab during the year, or you are unsure how Hawl applies to newly acquired wealth, seek qualified guidance for your particular circumstances.

5.Which assets should be included when calculating Zakat?

For the practical calculation supported by HisaabKit, the main categories are:

• cash and bank balances;
• qualifying gold;
• qualifying silver;
• trading or business assets;
• collectible receivables; and
• eligible short-term debts as a deduction.

Pakistan's statutory framework separately addresses several of these categories. The Second Schedule of the Zakat and Ushr Ordinance includes gold and silver, cash, certain financial assets, loans receivable, securities and stock-in-trade, with the applicable valuation basis specified for each category.

The HisaabKit calculator is intentionally narrower than every possible Zakat situation. It is not intended to determine agricultural Ushr, livestock Zakat or specialist fiqh cases.

6.How to calculate Zakat on gold

For a straightforward gold calculation, first determine the qualifying pure-gold equivalent according to the religious guidance you follow.

HisaabKit asks for the qualifying gold weight and the relevant 24K gold price per gram.

For conversion purposes:

1 tola = 11.664 grams

Suppose you have 30 grams of qualifying gold.

For illustration only, assume the 24K gold price used on your Zakat date is Rs 40,000 per gram.

Your gold value would be:

30 × Rs 40,000 = Rs 1,200,000

If the relevant conditions are satisfied and this Rs 1,200,000 is the qualifying amount on which Zakat is due:

Rs 1,200,000 × 2.5% = Rs 30,000

Estimated Zakat = Rs 30,000

The Rs 40,000 gold price in this example is not a current gold-price quotation. It is used only to demonstrate the calculation.

If you know your qualifying gold weight and the appropriate 24K price per gram, you can enter them directly in the Pakistan Zakat Calculator for gold and other assets.

7.What about gold jewellery?

This is an area where careful wording matters.

Pakistan's statutory Zakat framework lists gold and silver and manufactures thereof, with self-assessment at 2.5% of market value on the valuation date.

However, religious questions concerning personal-use jewellery, purity and particular exemptions can involve differences in jurisprudential interpretation.

HisaabKit therefore does not attempt to decide whether a particular piece of jewellery is Zakatable. Enter the qualifying pure-metal equivalent according to the guidance you follow.

If your calculation involves personal jewellery or uncertain gold purity, obtaining guidance from a qualified scholar before entering the amount is appropriate.

8.How to calculate Zakat on silver

The basic valuation method for silver is similar.

Suppose you own 700 grams of qualifying silver.

Using an illustrative silver price of Rs 350 per gram:

700 × Rs 350 = Rs 245,000

At 2.5%:

Rs 245,000 × 2.5% = Rs 6,125

So the calculated amount would be:

Rs 6,125

Again, Rs 350 per gram is simply an example and should not be treated as today's silver price.

HisaabKit's mixed-assets/silver calculation uses 612.36 grams, or 52.5 tola, as its configured silver Nisab.

9.How to calculate Zakat on cash and bank savings

Cash is comparatively straightforward because its value is already expressed in rupees.

Suppose that on your Zakat calculation date you have:

Cash at home: Rs 100,000

Bank savings: Rs 500,000

Your combined cash and savings would be:

Rs 100,000 + Rs 500,000 = Rs 600,000

This Rs 600,000 can form part of your overall qualifying Zakatable wealth.

Pakistan's Zakat and Ushr Ordinance also includes cash in its self-assessment schedule at 2.5% of the amount on the valuation date.

However, your complete personal Zakat calculation should not be confused with the automatic Zakat deduction mechanism that applies to certain bank accounts in Pakistan.

Zakat and income tax are also separate calculations. If you need to estimate your tax position, use the FBR Tax Calculator Pakistan 2026–27 separately rather than treating Zakat and income tax as the same calculation.

10.Pakistan's 2026 bank Zakat Nisab: Rs 503,529

This is one of the most important Pakistan-specific distinctions in the guide.

For Zakat Year 1446–1447 AH, the Administrator General Zakat notified the Nisab for the statutory bank deduction mechanism at:

Rs 503,529

The Ministry's notification was circulated by the State Bank of Pakistan in February 2026. It states that no Zakat deduction at source should be made where the relevant covered account balance is below Rs 503,529 on the first day of Ramadan 1447 AH. It applies to the specified Saving Bank, Profit and Loss Sharing and similar accounts.

The notification stated that the first day of Ramadan 1447 AH—the deduction date—was expected to fall on 19 or 20 February 2026, subject to moon sighting.

11.Does that mean everyone's personal Nisab is Rs 503,529?

No. That would mix two different calculations.

Rs 503,529 is the officially notified threshold for the relevant statutory bank Zakat-deduction mechanism for Zakat Year 1446–1447 AH.

HisaabKit's personal estimator instead calculates the selected gold- or silver-based Nisab using the relevant metal price entered by the user.

So do not simply enter Rs 503,529 as a universal personal Nisab for every Zakat calculation.

12.How to calculate Zakat on business assets

If you run a business, your Zakat calculation may involve more than the money sitting in the business bank account.

Pakistan's statutory self-assessment schedule expressly covers stock-in-trade.

For commercial undertakings, it specifies 2.5% of book value or, at the sahib-e-nisab's option, market value on the valuation date. The schedule separately addresses industrial undertakings and refers to the book value or optional market value of raw materials and finished goods.

HisaabKit provides a trading/business assets input so qualifying business assets can form part of the estimate.

Suppose, for example, that a shopkeeper has Rs 400,000 of qualifying trading assets and Rs 100,000 of business cash:

Rs 400,000 + Rs 100,000 = Rs 500,000

Those figures would then be considered together with the person's other relevant qualifying assets and deductions rather than automatically treating Rs 500,000 as the final Zakat base.

Complex inventories, partnerships, investments and business liabilities can require more detailed treatment.

And remember: Zakat on qualifying business wealth and income tax on business income are separate matters. For the tax side, HisaabKit provides a separate Business Tax Calculator Pakistan.

13.What about money someone owes you?

Suppose someone owes you Rs 100,000 and you reasonably expect the amount to be recovered.

HisaabKit's calculator provides a separate input for collectible receivables, allowing relevant receivable amounts to be included with other supported Zakatable assets.

Pakistan's statutory Second Schedule also covers loans receivable—with stated exceptions—at 2.5% of the amount receivable on the valuation date.

However, not every old unpaid amount should automatically be treated as collectible.

If a debt is disputed, doubtful or unlikely to be recovered, its treatment may require more specific guidance.

14.Can debts be deducted before calculating Zakat?

HisaabKit provides an input for eligible short-term debts.

The practical calculation used by the tool can be understood as:

Gross Zakatable Assets − Eligible Short-Term Debts = Net Qualifying Wealth

The resulting amount is then considered against the applicable Nisab before the Zakat calculation proceeds.

However, this should not be interpreted to mean that every outstanding liability or the entire balance of every long-term loan can automatically be deducted.

Debt treatment can depend on the nature and timing of the obligation and on the religious guidance being followed.

15.Complete example: gold + cash + savings + business assets

Now let's put the pieces together.

Suppose Ahmed is calculating his Zakat on his annual Zakat date.

He has already determined, according to the guidance he follows, which assets and short-term liabilities should be included.

For this example only, assume:

24K gold price: Rs 40,000 per gram

Silver price: Rs 350 per gram

Ahmed has the following:

Because this is a mixed-assets example, we will use HisaabKit's mixed-assets/silver Nisab basis.

At the illustrative silver price of Rs 350 per gram:

612.36 × Rs 350 = Rs 214,326

Ahmed's net qualifying wealth is:

Rs 1,700,000

That is above the illustrative Nisab of:

Rs 214,326

Assuming the relevant Hawl requirement has also been satisfied:

Rs 1,700,000 × 2.5% = Rs 42,500

15.1.Ahmed's estimated Zakat = Rs 42,500

Notice what we did not do.

We did not simply calculate 2.5% of Ahmed's bank balance.

We first considered his relevant assets, valued his qualifying gold, added business assets and collectible receivables, deducted the eligible short-term debt used in the example, checked the applicable Nisab and considered Hawl before applying the 2.5% rate.

Want to use your own figures? Enter your cash, bank balances, qualifying gold and silver, trading assets, collectible receivables and eligible short-term debts in the Zakat Calculator Pakistan and compare its result with the calculation steps above.

16.Bank Zakat deduction and personal Zakat calculation are not the same thing

Suppose Zakat has already been deducted from your bank account.

Does that automatically mean your entire personal Zakat calculation has been completed?

Not necessarily.

Pakistan's statutory system provides for Zakat deduction at source from specified accounts. For Zakat Year 1446–1447 AH, the notified threshold for the relevant covered accounts was Rs 503,529.

Your personal financial position may also involve other qualifying assets, including:

cash outside the bank, gold, silver, business assets and collectible receivables.

Therefore, a bank deduction should not automatically be treated as a complete calculation of every Zakatable asset you own.

Keep a record of Zakat already deducted or paid so that it can be considered when determining your overall position according to the guidance you follow.

17.What is not covered by the HisaabKit Zakat Calculator?

A financial calculator has limits, particularly when the underlying question may require individual religious guidance.

The current HisaabKit calculator is designed around supported monetary and precious-metal assets. It does not attempt to calculate specialist categories such as:

agricultural Ushr, livestock Zakat, Fitrana/Sadaqat al-Fitr, or specialist fiqh cases.

Fitrana in particular should not simply be added to the 2.5% wealth calculation. It is a separate obligation.

Keeping these areas separate makes the result clearer and avoids presenting a calculation tool as a substitute for a religious ruling.

18.Calculate your Zakat with HisaabKit

Once you have identified the assets and liabilities that apply to you, you do not need to perform every calculation manually.

Use the HisaabKit Zakat Calculator Pakistan to enter your gold and silver prices, qualifying assets, metal weights and eligible short-term debts. Select the relevant Nisab basis, confirm Hawl where applicable and review the resulting estimate in Pakistani rupees.

The purpose is not simply to give you one number, but to make the calculation understandable.

Important: HisaabKit provides an estimate for information and planning. It is not a fatwa or an official government Zakat assessment.

If you are dealing with the distribution of a deceased person's estate rather than Zakat, that is a separate calculation. You can use the Islamic Inheritance Calculator Pakistan to estimate inheritance shares separately.

19.Official sources

The main statutory reference used for this guide is Pakistan's Zakat and Ushr Ordinance, 1980, particularly its Second Schedule dealing with self-assessment of assets including gold, silver, cash, loans receivable, securities and stock-in-trade.

Read the Zakat and Ushr Ordinance, 1980 on Pakistan Code

For the 2026 bank-deduction Nisab, the primary current source is the Government notification circulated by the State Bank of Pakistan through BPRD Circular Letter No. 03 of 2026.

View the official 2026 SBP Zakat Nisab notification