How to Calculate Zakat in Pakistan: Nisab, Gold & Silver Rates 2026

Zakat — the annual obligatory charitable giving — is one of Islam’s Five Pillars. For Muslims in Pakistan, correctly calculating and paying Zakat on time is both a religious duty and a financial discipline. This guide explains the nisab threshold, how to calculate Zakat on different asset types, and when to pay.

What is Nisab?

Nisab is the minimum wealth threshold above which Zakat becomes obligatory. A Muslim who holds wealth equal to or above the nisab for one full lunar year must pay Zakat at 2.5% of that wealth.

Nisab is measured in two ways:

Standard	Quantity	2026 PKR Value (approx.)
Gold standard	87.48 grams (7.5 tolas)	~Rs. 1,450,000
Silver standard	612.36 grams (52.5 tolas)	~Rs. 190,000

Most contemporary scholars recommend using the silver standard for nisab because it is lower, meaning more people qualify to pay Zakat and more reaches those in need.

Check the Gold Price Calculator for the current live gold price in PKR to calculate your precise nisab.

Assets Subject to Zakat

Cash and Bank Balances

Rate: 2.5% of total balance held for one year.

If you have Rs. 500,000 in savings held for a full lunar year, your Zakat = Rs. 500,000 × 2.5% = Rs. 12,500.

Include: savings accounts, current accounts, cash at home, prize bonds.

Gold and Silver

Rate: 2.5% of the current market value.

If you hold…	Zakat due (if above nisab)
10 tolas of 24K gold	10 × (current gold price) × 2.5%
100 tolas of silver	100 × (current silver price) × 2.5%

Gold worn daily as jewellery: scholars differ — conservative view is Zakat is due on all gold; some exempt daily-worn jewellery.

Business Assets

Rate: 2.5% of the net value of inventory and receivables (not fixed assets like machinery or property used for business).

Calculate: (Stock/inventory value + trade receivables + cash) − (trade payables) = Zakatable amount. Apply 2.5%.

Rental Income

Zakat applies to rental income accumulated over the year at 2.5%, not the property value itself (property used for rental is typically not directly Zakatable — its income is).

Assets Exempt from Zakat

Your primary residence
Personal use vehicles and household items
Business machinery, tools, and factory equipment
Property purchased for personal use (not resale)

How to Calculate Your Total Zakat

List all Zakatable assets: cash + savings + gold value + silver value + business inventory + receivables
Subtract business liabilities (money you owe)
If the net total exceeds nisab (held for one lunar year): pay 2.5%

Use our Zakat Calculator — it walks you through each asset category and gives you the exact Zakat amount based on live gold and silver prices.

When to Pay Zakat

Zakat is due once your wealth has been above the nisab for a full lunar year (Hawl). Most Pakistanis pay during Ramadan for the spiritual benefit — but Zakat can be paid at any point in the year as long as the Hawl condition is met.

Government Zakat deduction: Banks automatically deduct 2.5% from savings accounts on the 1st of Ramadan for account holders who have not filed a Zakat exemption form (CZ-50). File the exemption if you prefer to distribute Zakat yourself.

Frequently Asked Questions

Is Zakat deducted automatically from my bank account?

Yes, unless you submit a CZ-50 declaration form to your bank claiming exemption. The government deducts 2.5% on 1 Ramadan from savings balances above the nisab. Submitting CZ-50 gives you control over where your Zakat goes.

I have a home loan — can I deduct the outstanding loan from my Zakatable wealth?

Most scholars say short-term liabilities (payable within one year) can be deducted; long-term loans like mortgages typically cannot be deducted in full. Consult an Islamic scholar for your specific situation.

What is the Zakat nisab in 2026 in rupees?

Based on 7.5 tolas of gold, the nisab is approximately Rs. 1,400,000–1,500,000 (varies daily with gold prices). Based on 52.5 tolas of silver, it is approximately Rs. 185,000–200,000. Use the Gold Price Calculator for the current figure.

Zakat calculations in this guide are based on commonly accepted scholarly positions. For complex situations (mixed assets, business ownership), consult a qualified Islamic scholar. For educational purposes only.