Short answer: Zakat is 2.5% of eligible wealth held for one lunar year above the nisab. The nisab is commonly calculated from 87.48 grams of gold or 612.36 grams of silver. Many scholars prefer the silver nisab because it is lower and includes more people in Zakat.
The basic formula
Zakat = eligible wealth x 2.5%, after adding zakatable assets and subtracting deductible liabilities. The result is only due if your net wealth is above the nisab and has been held for the required period (hawl).
Gold nisab vs silver nisab
- Gold nisab: 87.48 grams (7.5 tola).
- Silver nisab: 612.36 grams (52.5 tola).
- Rate: 2.5% of net zakatable wealth.
Because silver is usually cheaper per gram, the silver nisab is a lower threshold. Many scholars recommend using it when the poor hold more silver than gold, so more people can receive Zakat. Follow your own school and scholar.
What to include
- Cash in hand and bank accounts.
- Gold, silver and jewellery according to your school's rules.
- Business stock, receivables and investments held for Zakat.
- Money owed to you that you expect to recover.
- Cryptocurrency and other digital assets, with scholarly guidance.
What to exclude or deduct
Your primary residence, personal car and household furniture are generally not zakatable. Debts you owe and immediate liabilities can be deducted. The details differ between schools, especially for jewellery and long-term assets, so check before paying.
The lunar year (hawl)
Zakat is generally due when wealth above the nisab is held for one lunar year. Many people choose a fixed date, such as the first of Ramadan, to review and pay. Keep a simple record of assets and liabilities on that date each year.
Use the calculator as a checklist
The Zakat calculator lets you enter gold, silver, cash and liabilities and shows the nisab comparison. It is a helper: confirm current metal prices, your school's treatment of jewellery, and the Hawl date with a qualified scholar.
Frequently asked questions
What is the nisab for Zakat in Pakistan?
The common nisab measures are 87.48 grams of gold or 612.36 grams of silver. The silver nisab is lower and is often preferred by scholars.
How much Zakat is due on gold?
Zakat is 2.5% of the value of eligible gold if your total net wealth is above the nisab and has been held for a lunar year.
Can I deduct debts from Zakat?
Immediate liabilities and debts you owe are generally deductible, but the details depend on the type of debt and your school. Ask a qualified scholar.
Is personal jewellery subject to Zakat?
Scholars differ on personal-use jewellery. Some include it, some exclude it. Follow your own school and do not rely on a generic calculator alone.
Calculate Zakat on your assets
Enter gold, silver, cash and liabilities for a nisab comparison.
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Published 2026-10-30 by Wafa Smart Tech, Lahore. This is general information, not legal, tax or financial advice. Confirm current rules with the relevant authority or a qualified professional.