Which Nisab should I use — Gold or Silver?

The Hanafi school (followed by most Pakistani Muslims) traditionally uses the Silver Nisab because it is lower and includes more wealth-holders in the Zakat obligation, directing more charity to the poor. Some scholars use the Gold Nisab, which results in fewer people paying Zakat. For practical purposes in Pakistan, Silver Nisab is the standard recommendation. Consult your scholar for a personal ruling.

How is Zakat calculated on gold in Pakistan?

Zakat on gold is 2.5% of the market value of all gold you have held for one lunar year (hawl). If your total gold exceeds the nisab (87.48g for Gold Nisab, or any amount if your total wealth including gold exceeds the Silver Nisab), you owe 2.5% of its current PKR market value. Use the calculator above with today's live 24K gold rates sourced from PMEX.

Is Zakat due on Provident Fund and pension savings?

Scholars differ on this. The common view in Pakistan is that Zakat is due on the vested (accessible) portion of your Provident Fund — the amount you can withdraw. The employer contribution that you cannot yet access may be excluded. For pension funds, Zakat is typically calculated on the lump sum when it becomes accessible. Consult your Islamic finance scholar for a ruling specific to your fund type.

When is Zakat due and how is the lunar year calculated?

Zakat is due once per Islamic lunar year (hawl). You pick a date — typically Ramadan 1 — and check your total net zakatable assets on that date each year. If your wealth has been above Nisab for the entire past lunar year on that date, Zakat is obligatory. Many Pakistanis pay Zakat in Ramadan for the spiritual blessing, though it can be paid any time after one year of ownership.

Zakat Calculator Pakistan 2026 — Calculate Your Zakat Online

Calculate your annual Zakat obligation using live gold and silver prices. Supports both Silver Nisab (612.36g) and Gold Nisab (87.48g) bases.

Nisab Basis

Silver (612.36g)Gold (87.48g)

Cash & Bank Savings (PKR)

Gold (grams)

Silver (grams)

Business Inventory Value (PKR)

Receivables (PKR)

Immediate Liabilities (PKR)

Disclaimer: This calculator provides an estimate based on standard Islamic jurisprudence (Hanafi school). Zakat rules may vary by madhab and personal circumstances. Consult your scholar or a qualified Islamic finance expert for your specific situation. HisaabKar.pk is an independent information service and does not provide religious rulings.

About Zakat in Pakistan

Zakat is one of the Five Pillars of Islam — a mandatory annual charity of 2.5% on wealth held above the Nisab threshold for one full lunar year. In Pakistan, Zakat is a deeply observed religious obligation and an important mechanism for wealth redistribution to the poor.

Frequently Asked Questions

What is the Zakat Nisab in Pakistan for 2026?

Gold Nisab: 87.48 grams of 24K gold (~PKR 3.7–4M at current rates). Silver Nisab: 612.36 grams (~PKR 390,000–420,000). Most Pakistani scholars recommend Silver Nisab as it includes more Muslims in the obligation.

Gold Nisab or Silver Nisab — which should I use?

The Hanafi school (followed by most Pakistanis) recommends Silver Nisab because it is lower and ensures more wealth is distributed as charity. Use Gold Nisab only if your scholar specifically advises it.

How is Zakat calculated on gold?

If your total gold exceeds the Nisab, you owe 2.5% of its current market value. For example: 100g of gold at PKR 41,975/gram = PKR 4,197,500 in value → Zakat = PKR 104,938.

Is Zakat due on Provident Fund?

Zakat is typically due on the vested (accessible) portion of your PF — the amount you could withdraw today. The employer's non-vested contribution is usually excluded. Consult your scholar for your fund type.

When is Zakat due?

Once per Islamic lunar year (hawl). If your wealth has been above Nisab for the entire past year on your chosen date, Zakat is obligatory. Most Pakistanis calculate and pay in Ramadan.