How to calculate zakat in Pakistan: on your zakat date, add up your cash, bank savings, gold, silver, shares and business stock, subtract the debts you have to pay now, and if the total is at or above the nisab, pay 2.5% of it. Rs 10 lakh of net zakatable wealth means Rs 25,000 zakat.
Last updated: 12 November 2026 by Ahmed.
Not sure how much you owe? Work it out first with our free Zakat Calculator Pakistan.
How to Calculate Zakat: The 5 Steps
- Fix your zakat date. This is the Islamic date on which your wealth first reached the nisab. Many people in Pakistan use 1 Ramadan because it is easy to remember, but your real date is when you first became sahib-e-nisab.
- List everything zakatable you own on that date. Cash at home, all bank balances, gold, silver, shares, mutual funds, National Savings certificates, prize bonds, money others owe you, and business stock.
- Subtract what you owe right now. Bills, unpaid rent, money borrowed from friends, and the next 12 months of instalments on long-term loans such as car or home financing.
- Compare the result with the nisab. If your net amount is at or above the nisab, zakat is due. Most scholars in Pakistan advise the silver nisab when you own a mix of assets. See our zakat nisab guide for today’s figure.
- Multiply by 2.5%. Divide the net total by 40. That is your zakat for the year.
What to Include When You Calculate Zakat
| Asset | Include? | Value to use |
|---|---|---|
| Cash at home and in wallet | Yes | Full amount |
| Savings and current accounts | Yes | Balance on your zakat date |
| Gold and silver (including jewellery) | Yes, in the Hanafi view | Today’s selling price |
| PSX shares and mutual funds | Yes | Market value (see notes) |
| National Savings certificates, prize bonds | Yes | Face value or encashment value |
| Business stock and trading goods | Yes | Current sale value |
| Money you lent that you expect back | Yes | Amount owed to you |
| House you live in, car you drive, furniture | No | Personal use, not zakatable |
| Plot bought to resell | Yes | Current market value |
For assets with their own rules, use the detailed guides: zakat on gold, zakat on bank accounts, zakat on shares and mutual funds, zakat on property and zakat on business.
What You Can Subtract
- Debts you must pay now: credit card balance, utility bills, rent due, money owed to family.
- Salaries or payments you owe others that are already due.
- For long-term financing (car lease, home loan), many scholars allow only the instalments due in the coming 12 months, not the full outstanding balance.
- Zakat you still owe from earlier years.
Do not subtract your normal monthly household expenses that have not yet fallen due, or money you plan to spend on a wedding or a house. Savings kept for a goal are still zakatable.
How to Calculate Zakat: Worked Example 1 (Salaried Family)
Ali has Rs 3,50,000 in his savings account, Rs 40,000 cash at home, and his wife has 5 tola of gold jewellery. He owes Rs 60,000 on his credit card.
| Item | Amount (Rs) |
|---|---|
| Bank savings | 3,50,000 |
| Cash at home | 40,000 |
| Credit card due | minus 60,000 |
| Ali’s net zakatable wealth | 3,30,000 |
If this is above the silver nisab on his zakat date, Ali pays 3,30,000 × 2.5% = Rs 8,250. The gold belongs to his wife, so she checks her own zakat separately. If gold is her only asset, she uses the gold nisab of 7.5 tola, so 5 tola alone means no zakat for her.
How to Calculate Zakat: Worked Example 2 (Shopkeeper)
Sana runs a clothing shop. On her zakat date she has stock worth Rs 12,00,000 at sale price, Rs 2,00,000 in the bank, and customers owe her Rs 1,50,000. She owes her supplier Rs 4,00,000.
Net wealth = 12,00,000 + 2,00,000 + 1,50,000 − 4,00,000 = Rs 11,50,000. Zakat = Rs 28,750.
Calculate Zakat in Seconds
Our free Zakat Calculator Pakistan does all of this for you. It pulls live gold and silver prices, shows the nisab in rupees, and lets you subtract debts. Use it as a check after you list your assets.
Common Mistakes
- Only counting the bank balance. Cash at home, gold, shares and money lent to others all count.
- Paying 2.5% only on the amount above the nisab. Zakat is 2.5% of your whole net zakatable wealth.
- Relying on the bank deduction. The 1 Ramadan bank cut only covers savings accounts. If you own other assets, you still owe the rest yourself, and you can subtract what the bank already took.
- Subtracting the whole car or home loan. Most scholars allow only the current year’s instalments.
- Using the gold nisab when you also have cash. With mixed assets, the silver nisab is the safer and more common view in Pakistan.
FAQ
How do I calculate zakat in Pakistan?
Add your cash, bank savings, gold, silver, shares and business stock on your zakat date, subtract debts you must pay now, and if the total is at or above the nisab, pay 2.5% of it.
What is 2.5% of Rs 1 lakh for zakat?
Rs 2,500. For Rs 5 lakh it is Rs 12,500, and for Rs 10 lakh it is Rs 25,000.
Do I calculate zakat on my total savings or only the amount above nisab?
On the total. Once you are above the nisab, 2.5% is due on all your net zakatable wealth.
Can I subtract my car loan when I calculate zakat?
Most scholars allow you to subtract only the instalments due in the next 12 months, not the full outstanding loan.
Zakat kaise calculate karein?
Apni zakat ki tareekh par cash, bank balance, sona, chandi, shares aur karobari maal jama karein. Jo qarz abhi dena hai woh minus karein. Agar baqi raqam nisab se zyada hai to us ka 2.5% (yani 40 se divide) zakat hai.
Kya ghar aur gaari par zakat hai?
Nahi. Jis ghar mein aap rehte hain aur jo gaari apne istemal mein hai, un par zakat nahi. Bechne ki niyat se khareeda plot ya gaari ho to zakat hai.
Related Guides
- Zakat Calculator Pakistan 2026
- Zakat Nisab 2026 in Pakistan
- Zakat on Gold in Pakistan
- Zakat on Bank Accounts and Savings
- Who Can Receive Zakat in Pakistan?