🌙 Islamic Finance · Zakat 2026 / 1446 AH

Pakistan Zakat Calculator
2026 / 1446 AH

Calculate your annual Zakat with live gold & silver prices in PKR. Covers all zakatable assets — Shariah-compliant, free, and updated for 1446 AH.

✓ 2.5% Rate ✓ Live PKR Prices ✓ Auto Nisab Check ✓ Zakat & Ushr Ordinance
Zakat Calculator — 2025 / 1446 AH
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Zakat Islam ka teesra rukn hai. 2.5% zakat us wealth par farz hoti hai jo nisab se zyada ho aur ek qamar saal (Haul) se aapki milk mein ho. Yeh calculator tamam zakatable assets ka hisab karta hai.
Live Metal Prices — PKR
Manually set
PKR
Sarafa market rate — update manually
PKR
Sarafa market rate — update manually
Zakatable Assets (PKR mein darj karein)
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Cash & Bank Balance
Savings, current account, wallet
PKR
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Gold Value
At current market price (PKR)
PKR
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Silver Value
At current market price (PKR)
PKR
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Investments & Stocks
PSX, mutual funds, current value
PKR
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Business Assets
Inventory + receivables
PKR
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Rental Income (Annual)
Annual rental income received
PKR
− Deductible Liabilities
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Short-term Debts
Qarz ya loan jo abhi dena ho
PKR
آپ کی زکوٰۃ — Total Zakat Due
PKR 0
2.5% of net zakatable wealth
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Quranic Ayat
Surah At-Tawbah 9:103 — Zakat as Purification
خُذْ مِنْ أَمْوَالِهِمْ صَدَقَةً تُطَهِّرُهُمْ وَتُزَكِّيهِم بِهَا
"Take from their wealth a charity by which you purify them and cause them to increase, and invoke [Allah's blessings] upon them. Indeed, your invocations are reassurance for them. And Allah is All-Hearing, All-Knowing."
📚 Quran 9:103 — Direct command for Zakat
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Quranic Ayat
Surah Al-Baqarah 2:43 — 3rd Pillar of Islam
وَأَقِيمُوا الصَّلَاةَ وَآتُوا الزَّكَاةَ وَارْكَعُوا مَعَ الرَّاكِعِينَ
"And establish prayer and give Zakat and bow with those who bow [in worship and obedience]." — Zakat is mentioned alongside Salah in 82 places in the Quran, making it the inseparable twin of prayer.
📚 Quran 2:43 — Zakat is the 3rd Pillar of Islam
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Sahih Hadith — Consequence of Withholding
Sahih Muslim 987 • Narrated by Abu Hurairah رضي الله عنه
مَا مِنْ صَاحِبِ ذَهَبٍ وَلاَ فِضَّةٍ لاَ يُؤَدِّي مِنْهَا حَقَّهَا إِلاَّ كَانَتْ صَفَائِحَ مِنْ نَارٍ
"There is no owner of gold or silver who does not pay the right due on it, except that on the Day of Resurrection, sheets of fire will be hammered out of it, then his sides, forehead and back will be branded with them." — Establishes Zakat on gold & silver is obligatory.
📚 Sahih Muslim 987 · Sahih al-Bukhari 1403
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Sahih Hadith — Nisab Threshold
Sunan Abu Dawood 1558 • Narrated by Ali ibn Abi Talib رضي الله عنه
لَيْسَ عَلَيْكَ شَيْءٌ فِي الذَّهَبِ حَتَّى يَكُونَ لَكَ عِشْرُونَ دِينَارًا
"There is nothing due from you [in Zakat] on gold until you possess 20 dinars (= 87.48g / 7.5 tola). When you have 20 dinars and one year has passed, half a dinar is due." — This is the prophetic source for the gold Nisab used in this calculator.
📚 Sunan Abu Dawood 1558 · Authenticated (Sahih)
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Quranic Ayat — 8 Categories of Zakat Recipients (Asnaf)
Surah At-Tawbah 9:60 — The Definitive List
إِنَّمَا الصَّدَقَاتُ لِلْفُقَرَاءِ وَالْمَسَاكِينِ وَالْعَامِلِينَ عَلَيْهَا وَالْمُؤَلَّفَةِ قُلُوبُهُمْ وَفِي الرِّقَابِ وَالْغَارِمِينَ وَفِي سَبِيلِ اللَّهِ وَابْنِ السَّبِيلِ ۖ فَرِيضَةً مِّنَ اللَّهِ
"Zakat expenditures are only for: (1) the poor (Fuqara), (2) the needy (Masakeen), (3) Zakat administrators, (4) those whose hearts are to be reconciled, (5) for freeing captives, (6) debtors, (7) in the cause of Allah, (8) stranded travelers — an obligation imposed by Allah." — This verse defines exactly who may receive your Zakat in Pakistan (Edhi Foundation, Akhuwat, Al-Khidmat, Shaukat Khanum etc.).
📚 Quran 9:60 — The 8 Asnaf (Zakat Categories)

Zakat Calculator Pakistan 2025 — Complete Shariah-Compliant Guide

Zakat is the third pillar of Islam — an annual obligatory charity of 2.5% on all qualifying wealth held for a full lunar year (Haul). This calculator uses live PKR metal prices aligned with the Zakat and Ushr Ordinance 1980.

⚙️ Step-by-Step Calculation

  1. 1
    List all zakatable assets: Cash, bank savings, gold/silver at current Sarafa value, PSX stocks, business inventory, and annual rental income.
  2. 2
    Deduct short-term liabilities: Any immediate debts payable within 12 months are subtracted from total assets.
  3. 3
    Check Nisab threshold: Net wealth must equal or exceed the silver Nisab (612.36g / 52.5 tola) — recommended for mixed assets by Pakistani scholars.
  4. 4
    Confirm Haul (one lunar year): Wealth must have been in your possession for approximately 354 days continuously.
  5. 5
    Apply 2.5% rate: Multiply net zakatable wealth × 0.025. Distribute among the 8 Asnaf defined in Surah At-Tawbah 9:60.

🏛️ Authentic References

🏛️ SBP Zakat & Ushr ↗ 🏦 Meezan Bank Zakat ↗ 📚 Sahih Muslim 987 ↗ 📚 Abu Dawood 1558 ↗ ⚖️ Zakat & Ushr Ordinance 1980 ↗
Zakat 2025 PakistanSurah At-Tawbah 9:60 Zakat Calculator PKRSahih Muslim 987 2.5% Zakat RateHaul Zakat Nisab 2025Zakat & Ushr Ordinance ⚡ Electricity Bill 🔥 Gas Bill 🏠 Stamp Duty

❓ Frequently Asked Questions

Is Zakat compulsory on salary income in Pakistan?▼
Zakat is not directly levied on monthly salary income. However, any saved salary amount that crosses Nisab and remains for a full Haul (lunar year) becomes subject to 2.5% Zakat. Banks automatically deduct Zakat from savings accounts on 1st Ramadan unless you submit a CZ-50 exemption form.
Does Zakat apply to property (real estate)?▼
Your personal home is exempt from Zakat. Rental income from investment property is zakatable. Property purchased with intent to sell (stock-in-trade) is subject to Zakat at market value. Agricultural land has separate Ushr (10% or 5%) rulings under the Zakat & Ushr Ordinance 1980.
How to stop automatic Zakat deduction from bank?▼
Submit a CZ-50 Exemption Declaration form to your bank before the 1st of Ramadan each year. This allows you to distribute Zakat personally to eligible recipients instead of through the government mechanism. The form is available at all bank branches across Pakistan.
Can I give Zakat to a family member?▼
You cannot give Zakat to your parents, grandparents, children, grandchildren, or spouse as these are your direct dependants (usool and furoo). However, you may give Zakat to other relatives — brothers, sisters, aunts, uncles, cousins — if they are genuinely eligible (below Nisab). Giving to eligible relatives is actually considered more rewarding as it counts as both Zakat and maintaining kinship (Silah ar-Rahm).
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