Zakat Calculator Pakistan

Zakat in Pakistan

Pakistan is the second-largest Muslim-majority country in the world, with over 230 million Muslims. Zakat in Pakistan operates within a distinctive dual system: a government-administered mandatory deduction programme under the Zakat and Ushr Ordinance 1980, alongside the traditional personal obligation that Muslims fulfil independently. Understanding the interaction between these two systems is essential for accurate Zakat calculation in Pakistan.

Our Zakat Calculator defaults to PKR and helps you calculate your total Zakat obligation across all asset types — not just bank balances. Gold and silver prices can be adjusted to reflect current Pakistani market rates. Check your local sarafa bazaar or a reliable financial source for the latest per-gram or per-tola prices.

All calculations are performed locally in your browser. No financial data is collected or stored.

What Assets Are Subject to Zakat?

Include the following assets at their current market value in Pakistani Rupees:

• Gold — The most significant zakatable asset for Pakistani households. Pakistani gold is commonly traded in tolas (1 tola = 11.66 grams) and at 22K or 21K purity. Convert tolas to grams, apply the purity factor, and multiply by the current per-gram PKR price. Use our Gold Zakat Calculator to automate these conversions.
• Cash and bank savings — Balances across all Pakistani bank accounts (current, savings, and foreign currency accounts), plus physical cash held at home. Note: if government Zakat has been deducted from your bank account, you may count that amount towards your total Zakat obligation.
• Fixed deposits and savings certificates — The principal amount of term deposits, Defence Savings Certificates, and similar instruments is zakatable. Interest earned is not halal income and is excluded from zakatable wealth.
• Business assets and inventory — Pakistan has a large informal and SME economy. Include goods held for sale, raw materials, and business cash. Fixed assets (shop premises, factory equipment, delivery vehicles) are generally not zakatable.
• Investments and stocks — Shares held on the Pakistan Stock Exchange (PSX) for trading purposes at their current market value in PKR.
• Money owed to you — Personal loans given to family or friends that you expect to be repaid. If repayment is uncertain, you may defer Zakat until the funds are actually received.

How to Calculate Zakat in PKR

Follow these steps to calculate your Zakat in Pakistani Rupees:

1. Set currency to PKR — The calculator above defaults to PKR. Enter gold and silver prices as PKR per gram. If you know the per-tola gold rate (the standard unit in Pakistan), divide by 11.6638 to get the per-gram price.
2. Value your gold in PKR — Convert tolas to grams (× 11.6638). Apply purity (22K = 0.9167, 21K = 0.875). Multiply pure grams by the PKR gold rate. Use the Gold Zakat Calculator to do this step automatically.
3. Enter savings and deposits — Include all bank balances, fixed deposit principals, and cash at home. If government Zakat was already deducted from your account, note the amount — you can offset this against your total Zakat due.
4. Add business and investment assets — Include saleable inventory at market value, PSX shares, crypto, and other holdings.
5. Enter deductible debts — Deduct personal loans, credit card balances, short-term business loans, outstanding utility bills, and rent due. For home financing, a common view is that only the upcoming monthly instalment is deductible.
6. Select Nisab and calculate — Most Pakistani scholars recommend the silver Nisab. Verify the threshold with our Nisab Calculator. Click Calculate to see your Zakat amount in PKR.

Gold and Silver Nisab

Nisab thresholds in PKR based on approximate mid-2026 Pakistani market prices:

The silver Nisab (approximately ₨1,40,843) is far lower than the gold Nisab (approximately ₨19,68,300). Most Pakistani scholars recommend using the silver Nisab so more Zakat reaches those in need. The government Zakat system uses its own notified Nisab value, which may differ from market-based calculations.

Government Zakat vs Personal Zakat

Pakistan's government Zakat system automatically deducts 2.5% from designated bank accounts on 1 Ramadan if the balance exceeds the government-notified Nisab. This system has important limitations:

• The deduction only covers bank balances, not gold, silver, cash at home, business assets, or investments.
• It does not subtract your deductible debts before calculating.
• It uses a fixed date (1 Ramadan) regardless of your personal Zakat anniversary.

For these reasons, many Pakistani scholars recommend calculating Zakat independently using your complete financial picture. If government Zakat has been deducted, you may count it towards your total obligation and pay any remaining balance directly to eligible recipients.

These Nisab figures are illustrative, based on approximate mid-2026 prices. Gold and silver prices in Pakistan fluctuate daily. Check your local sarafa bazaar or a trusted financial source for current rates.