Zakat Calculator (Gold, Silver, Cash & Nisab)

Dynamic Nisab Threshold Reference (Pakistan Market Benchmark)
Gold Nisab: 87.48 grams (7.5 Tolas) | Silver Nisab: 612.36 grams (52.5 Tolas).
Prices last updated: October 26, 2026. You can adjust the gold and silver rates per gram below to reflect your local Sarafa bazaar prices.

1. Live Precious Metal Rates & Nisab Standard

Gold Price per Gram (PKR)

Silver Price per Gram (PKR)

Nisab Threshold Standard

Effective Nisab Threshold (PKR)

PKR 318,427

2. Wealth & Assets Held for One Lunar Year (Hawl)

Gold Value Owned (PKR)

Silver Value Owned (PKR)

Cash (In Hand, Savings & Bank Accounts)

Business Merchandise / Trade Stock

3. Deductible Short-Term Liabilities

Immediate Debts & Unpaid Bills Due Now (PKR)

How to Use the Zakat Calculator (Gold, Silver, Cash & Nisab)

Confirm the live gold and silver rates per gram or enter your local jeweller prices.

Select whether to calculate Nisab against the Silver standard (recommended by majority scholars for mixed assets) or Gold standard.

Enter the cash values of your gold, silver, savings, and trade goods held for one full lunar year.

Enter any immediate debts due for payment and click "Calculate Net Zakat Payable (2.5%)".

Formula & Underlying Logic

The Principles of Zakat Calculation & Nisab

Zakat is an obligatory 2.5% contribution on surplus wealth above the Nisab threshold held for a full lunar year (Hawl):

Net Wealth = (Gold + Silver + Cash + Trade Inventory) - Immediate Liabilities
If Net Wealth ≥ Nisab → Zakat Payable = Net Wealth × 0.025 (2.5%)

Classical Islamic jurisprudence establishes the Nisab benchmark as 52.5 tolas (612.36g) of silver or 7.5 tolas (87.48g) of gold. The monetary value of Nisab is computed as:

Silver Nisab: 612.36 grams × Current Silver Price per Gram
Gold Nisab: 87.48 grams × Current Gold Price per Gram

Worked Step-by-Step Example

Example Scenario: Mixed Portfolio with Live Rates

Assuming Silver rate: PKR 520/g → Silver Nisab = 612.36 × 520 = PKR 318,427.

Gold jewelry value: PKR 400,000 | Bank account balance: PKR 500,000 | Due debts: PKR 100,000.

Net Wealth: (400,000 + 500,000) - 100,000 = PKR 800,000 (exceeds Silver Nisab of PKR 318,427).

Zakat Due (2.5%): 800,000 × 0.025 = PKR 20,000.

Frequently Asked Questions

Which Nisab threshold should I use: Gold or Silver? +

The majority of classical and contemporary scholars recommend the Silver Nisab for individuals holding cash, bank balances, or mixed assets, because it sets a lower threshold that benefits more recipients in need. If an individual owns solely gold and no other wealth or cash, the Gold Nisab may be applied.

Is Zakat due on personal residence or vehicles? +

No. Primary residences, personal personal vehicles, and daily tools of trade are exempt from Zakat.

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