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Zakāh

Zakat Calculator

2.5% of qualifying wealth held a full lunar year above nisab.

Enter current local market prices per gram below. Rates are user supplied and are not fetched live; confirm the price and your school’s ruling before paying.

Enter every asset and debt amount in the selected currency (PKR); the calculator does not convert currencies.

Choose Nisab standard

Selected silver Nisab: 612.36 g × PKR 0 / g = PKR 0

Net zakatable wealth
PKR 0
Zakat due (2.5%)
PKR 0

Enter a current silver market rate to calculate this Nisab threshold.

Fiqh guide

Zakat: the third pillar, explained across the schools

Zakat is an obligatory annual charge on specific forms of wealth, commanded repeatedly in the Qur'an alongside prayer: 'Establish the prayer and give the zakat' (al-Baqara 2:110). It is not a donation offered out of generosity but a right the poor hold over the wealth of the eligible: 'And in their wealth is a recognised right for the one who asks and the one deprived' (al-Ma'arij 70:24-25). This page explains who owes it, on what, how much, and where the five schools of law agree and differ.

Who must pay

A Muslim who owns wealth reaching the nisab threshold, free of immediate debt, and who has held that wealth for one full lunar year (hawl) is liable. The four Sunni schools and the Ja'fari school agree on the conditions of ownership and the lunar year. The Hanafi school requires the payer to be of sound mind and adult for monetary zakat, while the Maliki, Shafi'i and Ja'fari positions hold that the wealth of a child or an insane person may still carry the charge, discharged by the guardian.

The nisab thresholds

This calculator lets the visitor select either a gold threshold of 87.48 grams or a silver threshold of 612.36 grams and enter a current local price per gram. Published gram standards can differ among juristic bodies and calculation conventions; the selected weight is a practical estimate, not a universal ruling. Because silver is usually lower in price, selecting silver often lowers the threshold and may include more people in the obligation. The rate on zakatable cash, trade goods and similar assets is commonly calculated at 2.5 per cent after the lunar-year and debt conditions are considered.

What the Ja'fari school counts

In Fiqh Ja'fariyya zakat in the strict sense is obligatory on nine categories: gold, silver, camels, cattle, sheep, wheat, barley, dates and raisins. Alongside it stands khums, a separate annual fifth on surplus income after lawful expenses, derived from al-Anfal 8:41. Sunni schools apply zakat more broadly to cash and trade goods and do not levy khums on annual surplus. A user following the Ja'fari school should therefore treat this calculator's output as the zakat portion and calculate khums separately.

The eight categories of recipients

Surat al-Tawba 9:60 names them: the poor, the needy, those employed to collect it, those whose hearts are to be reconciled, freeing captives, those in debt, in the path of Allah, and the stranded traveller. All schools agree zakat may not be given to one's own parents, children or spouse, since supporting them is already an obligation, and that the payer may not use it to gain a benefit in return.

Timing and intention

Zakat falls due on the same lunar date each year once wealth first reached nisab. The intention (niyya) must be present when paying or setting the money aside. Paying in advance is permitted by the Hanafi, Shafi'i and Hanbali schools; delaying without excuse after it becomes due is a sin in every school, and the debt remains owed until discharged.

Frequently asked questions

Do I pay zakat on my house and car?
No. Property in personal use — your home, furniture, private car, clothing and tools of your trade — is exempt in all five schools. Property bought to resell, or rented out for income, is treated differently: the trade stock is zakatable, and rental income enters your cash balance.
How do I handle debts I owe?
Deduct debts that are due now, such as this month's rent, bills or an instalment falling within the year. Long-term debt such as a full mortgage balance is generally not deducted in its entirety; the majority position is to subtract only the portion payable within the coming year.
Can zakat be sent to another country?
The default preference in all schools is to relieve the poor of your own locality first. Transferring it abroad is permitted when the need elsewhere is greater, a position stated by the Hanafi and Ja'fari jurists among others.
Is this calculator a fatwa?
No. It applies the common 2.5 per cent rule above nisab as an estimate. Your school, your debts and your form of wealth can change the figure, so confirm the result with a scholar you trust.

Written and reviewed by the editorial team of Imam Mahdi Civilizition. Where the schools of Islamic law differ, the positions of the Hanafi, Maliki, Shafi'i, Hanbali and Ja'fari schools are presented side by side. For a binding ruling in your own circumstances, consult a qualified scholar of the school you follow.

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