Calculate your Zakat accurately according to Shariah principles. This calculator includes all Zakatable assets including gold, silver, cash, business assets, and investments.
Includes fixed deposits, savings certificates, etc.
Current gold rate: PKR 24,500 per gram
Current silver rate: PKR 280 per gram
Only Zakatable if above personal use
Stock in trade, merchandise, etc.
Only investment properties, not personal residence
Only debts due within one year
Note: This calculation is based on current market rates and standard Zakat principles. For complex cases, consult with a qualified Islamic scholar.
Your Zakat is due only if your net wealth exceeds the Nisab threshold for a full lunar year.
Understanding the minimum wealth threshold for Zakat obligation
| Method | Weight | Current Value | Nisab Threshold | Explanation |
|---|---|---|---|---|
| Gold Standard | 87.48 grams | PKR 24,500/g | PKR 2,142,126 | 7.5 tola of gold (87.48g) |
| Silver Standard | 612.36 grams | PKR 280/g | PKR 171,461 | 52.5 tola of silver (612.36g) |
| Recommended | - | - | PKR 171,461 | Lower of gold or silver (safer approach) |
According to most contemporary scholars, the silver Nisab should be used as it's more favorable to the poor. If your net wealth exceeds PKR 171,461 for a full lunar year, Zakat becomes obligatory. This calculator uses the silver Nisab threshold.
Important Islamic principles and guidelines for accurate Zakat calculation
Zakat is due only after your wealth remains above Nisab for one complete Islamic (lunar) year. Track your Zakat date (Hijri date) from when you first reached the Nisab threshold.
Personal residence, cars for personal use, furniture, and clothing are not Zakatable. Only investment properties and assets intended for trade are included.
Include all stock in trade, merchandise for sale, and business assets at their current market value. Business debts are deducted from business assets.
Stocks, mutual funds, and investment properties are Zakatable. Calculate based on current market value, not purchase price.
All gold and silver (jewelry, coins, bars) are Zakatable if above personal use. The Nisab is based on weight, not value.
Only deduct debts that are due within the current year. Long-term debts are not deducted unless payment is due soon.
Common questions about Zakat calculation and obligation
Nisab is the minimum amount of wealth a Muslim must possess for Zakat to become obligatory. It is equivalent to:
Most scholars recommend using the silver Nisab as it's more favorable to the poor. If your net wealth exceeds this threshold for a full lunar year, Zakat becomes due.
There are different opinions among scholars:
For safety, many scholars recommend paying Zakat on all gold and silver jewelry if it exceeds the Nisab threshold.
There are two methods for calculating Zakat on stocks:
Most individual investors use the simpler method of calculating 2.5% of the current market value of their stock portfolio.
Business assets include:
Calculate Zakat at 2.5% of the net business assets (assets minus liabilities) that have been held for a full lunar year.
Zakat becomes due when two conditions are met:
Many Muslims pay their Zakat during Ramadan for the increased reward, but it can be paid at any time once it becomes due. It's important to track your personal Zakat date (Hawl).
Now that you've calculated your Zakat, fulfill your Islamic obligation through Alpine Welfare Foundation. We ensure 100% Shariah-compliant distribution to deserving recipients in Karachi and across Pakistan.