Zakat Calculator
Live gold & silver nisabZakat is obligatory on every Muslim who holds wealth above the nisab threshold for one lunar year. Use the calculator below to check your Zakat obligation with live precious metal rates.
Gold per gram (PKR)
Rs 30,157
USD 3,350/oz
Silver per gram (PKR)
Rs 288
USD 32/oz
Nisab (silver)
Rs 176,403
612.36 g × silver rate
Rates live from the GuruAlpha ticker. Adjust if needed — gold, silver and USD/PKR are editable fields.
Understanding Zakat
Zakat is one of the Five Pillars of Islam and the third pillar: an obligatory charity of 2.5% (one fortieth) of a Muslim's qualifying wealth held above the nisab for one lunar year. The nisab is set at 87.48 grams of gold or 612.36 grams of silver — we use the silver nisab (the lower of the two) as the yardstick, which is the common practice in the Hanafi school.
Qualifying wealth (nisab) includes cash, bank balances, gold and silver (at their market value, regardless of jewellery use), business inventory, receivable debts, and investments in stocks and other assets that have not been spent. Zakat is calculated on the total: if the total exceeds the nisab in PKR (shown above), you owe 2.5% of that total.
Gold is valued at its spot market rate per gram — we use the international XAU/USD rate converted to PKR at the interbank exchange rate. Silver is valued at the XAG/USD spot rate. These rates update as the market moves, so your Zakat amount may change slightly depending on the day you calculate.
The Zakat payable is then divided among the eight categories of eligible recipients defined in Surah At-Tawbah (9:60): the poor (fuqara), the needy (masakin), Zakat administrators, those whose hearts are to be reconciled, slaves seeking freedom, debtors, those in the path of Allah, and travellers in need.
Zakat al-Fitr (Sadaqat al-Fitr) is a separate obligation due before the Eid prayer on the last day of Ramadan — approximately PKR 200–350 per person in the household, regardless of whether the nisab is reached. It purifies the fast and ensures the poor can also celebrate Eid.
Frequently Asked Questions
When is Zakat due?+
Zakat becomes due one lunar year (hawl) after your wealth first reached the nisab. You can choose any date to start your Zakat year and pay annually on that date. Many people choose Ramadan as their Zakat month.
Do I pay Zakat on my house or car?+
No — Zakat is not due on personal-use property like your home, car or clothing. It applies to wealth held as savings, investment or inventory, not personal-use items.
How is Zakat on stocks calculated?+
If you hold shares as an investment (not day-trading), Zakat is due on the current market value of your shares. If the company itself pays Zakat on its assets, you may deduct that portion — consult a scholar for your specific case.
What is the difference between Zakat and Zakat al-Fitr?+
Zakat is 2.5% of qualifying wealth held for a year. Zakat al-Fitr is a small flat amount (approx. one sa' of food, roughly PKR 200–350) per person due before Eid prayer, to ensure the poor can also celebrate.