Tool - 1447 AH / 2026

Zakat calculator.

Enter asset, liability and metal-price assumptions to apply one common 2.5% arithmetic convention. The tool cannot decide which assets or nisab view apply to you.

IN SHORT

The calculator multiplies entered net wealth by 2.5% when it meets the selected nisab input. It offers 7.5 tola of gold and 52.5 tola of silver as separate conventions, without choosing between them.

Nisab basis

Nisab metal

Silver price per tola (Rs)

Your zakatable assets

Cash & bank balances (Rs)

Value of gold you own (Rs)

Value of silver you own (Rs)

Investments - shares, funds, certificates (Rs)

Business stock / inventory (Rs)

Money owed to you (recoverable) (Rs)

Liabilities

Debts & bills due now (Rs)

ARITHMETIC ONLY, NOT A RELIGIOUS RULING. ASSET TREATMENT, LIABILITY DEDUCTIONS, HAWL AND THE NISAB BASIS CAN VARY. ENTER A METAL PRICE FROM A SOURCE AND DATE YOU HAVE VERIFIED.

How Zakat is calculated

This tool implements a common arithmetic pattern: add the entered asset categories, subtract entered liabilities, compare the result with the selected nisab, then multiply by 2.5%. It does not determine whether a category qualifies, whether a liability is deductible, whether hawl has been met or which jurisprudential view controls.

What counts as zakatable wealth

The form uses a simplified set of categories often discussed in basic calculations. The two columns describe what this calculator includes or leaves out by default, not a universal ruling:

Entered as assets	Not entered by default
Cash in hand and in bank accounts	Your home you live in
Gold and silver	Personal car and household items
Shares, mutual funds, savings certificates (market value)	Tools and machinery of your trade
Business stock-in-trade and recoverable receivables	Clothing and personal effects

The tool subtracts the full liability number entered and labels the remainder net wealth. That does not establish that every entered debt is deductible. Long-term debt, shares, pensions, receivables, jointly held property and business assets can require a different treatment.

The nisab: gold vs silver

The form offers two metal-weight conventions and converts the selected one using the price per tola entered by the user:

Gold nisab: 87.48 grams (7.5 tola)
Silver nisab: 612.36 grams (52.5 tola)

The two selections can produce materially different thresholds. The calculator deliberately does not recommend one. Record the metal-price source and date, because an old or retail-incomparable rate changes the threshold.

The lunar year (hawl)

The calculator does not track a lunar year, changes around the threshold or a calculation anniversary. It only evaluates the values currently entered. Hawl treatment must therefore be established outside the tool before the arithmetic is relied upon.

A note for investors

Hold PSX shares, mutual funds or savings certificates? Market-linked holdings can move materially between two Zakat dates, so enter the value on the calculation date rather than last year's figure. Zakat is separate from income tax. Rulings can differ by asset and school of thought; consult a qualified scholar for a personal ruling.

To sum up: the tool calculates 2.5% of the entered net amount when that amount reaches the selected, user-priced metal threshold. It does not establish asset treatment, deductible liabilities, hawl or the applicable nisab view.

Frequently asked questions

What exactly does the result calculate?

It adds the six asset inputs, subtracts the liability input, and applies 2.5% only when the remainder reaches the selected metal-weight threshold at the entered price.

Does the tool choose gold or silver nisab?

No. It exposes both inputs because the selection can materially change the threshold. Choosing the applicable view is outside the calculator's scope.

Does it verify the lunar-year condition?

No. No dates or balance history are collected, so the tool cannot test hawl or changes around the threshold.

Are all debts deducted automatically?

The arithmetic subtracts whatever liability amount is entered. It does not decide whether that amount is deductible under the view being followed.

Does it account for bank deductions?

No. The calculator does not import bank records or determine how a statutory bank deduction affects the rest of a person's calculation.

This calculator is arithmetic, not a religious ruling. It applies one simplified 2.5% convention to user inputs. Views can differ on asset treatment, liability deductions, hawl, nisab, shares, pensions and jointly held wealth. Verify the metal-price source and the applicable interpretation outside this tool.