Pakistan Zakat & Nisab Calculator (2026)
Calculate your annual Zakat with authentic Islamic jurisprudence (2.5%). Enter your gold and silver weight in tolas, cash savings, business inventory, prize bonds, and investment assets alongside deductible liabilities.
Features live Sarafa Market Nisab benchmarks for Silver (52.5 Tolas) and Gold (7.5 Tolas) with instant eligibility verification.
1. Gold & Silver (Jewelry, Bullion, Coins)
2. Cash, Bank Balances & Prize Bonds
3. Business Inventory, Stocks & Real Estate
4. Deductible Liabilities (Due Immediately)
Zakat Assessment Summary
The 8 Eligible Categories of Zakat Recipients (Asnaf-e-Zakat)
In the Holy Quran, Surah At-Tawbah (9:60) explicitly defines the eight exclusive channels entitled to receive Zakat funds. Any disbursement outside these specific categories is invalid under Islamic jurisprudence:
Al-Fuqara (The Destitute)
Individuals with no personal wealth, earning capacity, or property to meet basic survival needs.
Al-Masakin (The Working Poor)
Individuals with some modest income, but whose overall wealth falls consistently below the Nisab threshold.
Al-Amilina Alayha (Zakat Collectors)
Appointed trustworthy administrators, accountants, and field staff who collect and disburse Zakat.
Al-Mu'allafatu Qulubuhum
Those whose hearts are to be reconciled, including new converts to Islam in need of economic reintegration.
Fir-Riqab (Freeing Captives)
Liberating bonded laborers, slaves, or unjustly detained individuals through legal and financial ransom.
Al-Gharimin (The Debt-Ridden)
Insolvent individuals burdened with unavoidable, legitimate debts who cannot pay back their creditors.
Fi-Sabilillah (In the Cause of Allah)
Defending Islamic principles, righteous educational initiatives, and authentic religious welfare endeavors.
Ibn As-Sabil (Stranded Travelers)
Travelers stranded without financial means during travel, even if they possess wealth back in their homeland.
Who Cannot Receive Your Zakat?
Direct Ascendants & Descendants
You cannot give Zakat to parents, grandparents, children, or grandchildren. Providing for their essential needs is your mandatory personal legal duty (Nafaqah).
Spouse (Husband or Wife)
A husband cannot give Zakat to his wife because he is already legally obligated to financially support her household under Islamic family law.
Banu Hashim (Syeds)
Descendants of the Holy Prophet Muhammad (peace be upon him) and the clan of Banu Hashim are not eligible to receive Zakat; they should be aided via voluntary gifts (Hadiyah).
Mosque & Public Infrastructure Construction
Zakat requires Tamleek (complete unconditional transfer of ownership to an eligible individual). Building mosques, roads, or public boreholes must come from Sadaqah, not Zakat.
Frequently Asked Questions
What is the Nisab threshold for Zakat in Pakistan for 2026?
Nisab is the minimum qualifying wealth an individual must possess for a full lunar year (Hawl) before Zakat becomes obligatory (Fardh). The classical benchmark is 52.5 tolas (612.36 grams) of Silver, or 7.5 tolas (87.48 grams) of Gold. Under consensus of contemporary Islamic jurisprudence, anyone holding mixed wealth (cash, savings, gold, and silver) must use the Silver Nisab threshold to ensure maximum benefit for the underprivileged (Mustahiqeen).
Is Zakat due on personal residential houses and personal vehicles?
No. Fundamental necessities of life (Hawaij-e-Asliyyah)—including your personal primary residence, family vehicles, everyday clothing, household furniture, and personal tools of trade—are completely exempt from Zakat regardless of their financial worth.
How is Zakat calculated on gold jewelry worn for personal use?
Under the Hanafi school of Islamic jurisprudence (predominant in Pakistan), all gold and silver jewelry is subject to the standard 2.5% Zakat if the total wealth equals or exceeds Nisab, regardless of whether the jewelry is worn regularly or kept in a locker. Only the pure precious metal weight is zakatable, excluding the weight of non-precious stones, pearls, or making charges.
Can Zakat be given to parents, grandparents, children, or a spouse?
No. In Islamic jurisprudence, Zakat cannot be given to one's direct vertical ascendants (parents, grandparents) or direct vertical descendants (children, grandchildren), nor between husband and wife, because financial maintenance of these relatives is an obligatory personal legal duty (Nafaqah). However, brothers, sisters, uncles, aunts, and in-laws who are financially distressed and qualify as Mustahiqeen are preferred recipients.
How is Zakat calculated on shares, stocks, and mutual funds?
If shares are bought with the intention of short-term capital gains and day-trading, Zakat is due at 2.5% on the entire current market value. If held for long-term passive dividend yields, Zakat is calculated only on the company's underlying liquid and zakatable assets (cash + inventory + trade receivables), which averages approximately 20% to 25% of the market portfolio value.
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📊 Statutory & Mathematical Analysis Matrix
| Statutory Component / Legal Deduction Item | Calculated Amount (USD) |
|---|---|
| Primary Net / Statutory Payable Amount | 0.00 |