Why is the Zakat rate 2.5%?

2.5% (or 1/40) is the rate derived from Prophet Muhammad's (ﷺ) teachings for gold, silver, cash, and trade goods. Other rates apply to agriculture and livestock.

Is Zakat due on primary residence and personal car?

No. Items for personal use (home, vehicle, clothes, household items) are exempt from Zakat. Only savings, investments, and trade inventory count.

Do I pay Zakat on loans I owe?

Debts you owe are deducted from your assets before calculating Zakat. Money lent to others (that you expect back) is added to your assets.

Zakat is due once a lunar year (354 days) has passed on wealth that has been at or above Nisab throughout that period. Many pay in Ramadan for higher spiritual reward.

Are business assets zakatable?

Yes. Trade inventory (goods for sale) is valued at current market price and is zakatable at 2.5%. Business equipment used for production is generally not zakatable.

Zakat Calculator

Financial

Calculate your annual Zakat obligation based on Nisab and your net zakatable wealth.

Zakat Calculation — Proof of Computation

Annual Zakat Statement

Date prepared: April 24, 2026Currency: — ($)

This statement summarises the user's self-declared assets and liabilities as of the date above, the applied Nisab threshold, and the resulting Zakat obligation computed at 2.5% of net zakatable wealth. All values are as entered by the user; no data is stored.

Current Metal Prices

Enter today's market rate. You can use per-gram, per-tola, or per-ounce.

Gold Price (24K)

≈ $ 2,143.38 / gram pure (24K)

Silver Price (pure)

≈ $ 300.07 / gram pure

Gold Holdings

Silver Holdings

Cash, Investments & Other Assets

Cash in Hand

Bank Savings & Deposits

Stocks / Mutual Funds

Cryptocurrency

Business Inventory (for sale)

Rental Income Saved

Money Lent (likely to recover)

Liabilities (deducted)

Debts You Owe

Bills Due This Month

Total Assets

$ 0

Total Liabilities

$ 0

Net Zakatable Wealth

$ 0

Applied Nisab

$ 183,753.15

Lower of gold/silver

Zakat Payable (2.5%)

$ 0

Net wealth is below Nisab — no Zakat due

Nisab must be maintained for a full lunar year (354 days) for Zakat to become obligatory. Most scholars use the lower of gold/silver Nisab to benefit the poor. Consult a qualified scholar for complex cases (business, agriculture, debt restructuring).

?What is the Zakat Calculator?

Zakat is one of the Five Pillars of Islam — a mandatory charitable contribution of 2.5% on qualifying wealth held for a full lunar year (Hawl). Our calculator totals your cash, bank savings, gold, silver, investments, and receivables; subtracts debts; compares against the Nisab threshold; and computes the Zakat due. Nisab is based on the value of 87.48g gold or 612.36g silver (most scholars recommend using the lower of the two).

The Formula

Zakat = 2.5% × (Total Zakatable Assets − Debts), if Net Wealth ≥ Nisab

Nisab silver = 612.36g × silver price per gram. Nisab gold = 87.48g × gold price per gram. Zakat becomes due only when your net wealth held for a full lunar year equals or exceeds Nisab.

Practical Examples

Cash PKR 500,000 + 10g gold (PKR 250,000) + PKR 100,000 debt. Net = 650,000. If above Nisab, Zakat ≈ PKR 16,250.

A businessman with PKR 2,000,000 in stock and PKR 500,000 in receivables pays 2.5% on net zakatable wealth.

Gold jewellery over the Nisab threshold is zakatable according to the Hanafi school.

Money lent to others (likely to be recovered) is included in your zakatable wealth.

Frequently Asked Questions

Nisab is the minimum amount of wealth a Muslim must own before Zakat becomes obligatory. It equals the value of 87.48g gold or 612.36g silver — scholars typically recommend using the lower of the two to benefit the poor.

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