Pakistan Zakat Calculator 2026

For Zakat to be obligatory, your total wealth must equal or exceed the Nisab threshold and be held for one full lunar year (Hawl).

Differences by Fiqh:
Hanafi: As long as you possess Nisab at the very beginning and the very end of your lunar year, fluctuations (drops below Nisab) during the middle of the year do not matter.
Shafi'i, Maliki, Hanbali: The wealth must remain at or above the Nisab threshold for the entire duration of the lunar year. If it drops below at any point, the clock resets.
Jafari (Shia Khums): Rather than a 2.5% Zakat on fiat cash, a 20% Khums is applied to your surplus wealth (whatever remains unspent) after exactly one year of fulfilling your annual living expenses.

There is no Zakat due the moment you receive your salary. Zakat is not an income tax.

Instead, everyone has a specific "Zakat Anniversary" (the date your wealth originally hit the Nisab). When that date arrives every year, you look at your total cash and savings. Whatever portion of your salary remains unspent and is sitting in your bank account on that specific day is subject to 2.5% Zakat, along with your other wealth. It doesn't matter if you received that specific salary check 11 months ago or just 2 days ago.

Cryptocurrency (Bitcoin, USDT, Ethereum, etc.): Most contemporary Islamic scholars classify crypto as digital assets/currency. Yes, it is fully Zakatable. You must calculate 2.5% based on its current market value on the day your Zakat is due.

Mutual Funds & Stocks:
1. Short-term Trading: If you bought shares/funds strictly to sell them when prices rise (capital gains), pay 2.5% on their total current market value.
2. Long-term Investment: If you bought them to hold for annual dividends, you only pay Zakat on the underlying Zakatable assets of the company (e.g., their cash, inventory, receivables). You do not pay Zakat on the value of their fixed assets like buildings, desks, or machinery. If calculating this is too complex, many scholars permit a safe proxy of calculating 25-30% of the fund's total value as Zakatable.

This depends strictly on your Fiqh:

Hanafi: Yes. Zakat is obligatory on all gold and silver jewelry, regardless of whether it is worn daily, occasionally, or kept in a safe.
Shafi'i, Maliki, Hanbali: No. Jewelry that is kept for personal, permissible wear by a woman is considered exempt from Zakat, similar to daily clothing.
Jafari (Shia): No. Personal jewelry is entirely exempt. In Fiqh Jafari, Zakat is only applicable to gold and silver if they are minted into coins (Dinar/Dirham) and actively used as circulating legal tender.

Real Estate & Plots:
If you bought land/property to build a house for yourself, or to rent out to tenants: No Zakat on the value of the property. (You only pay Zakat on the rental cash you save over the year).
If you bought a plot strictly with the intention of reselling it for a profit (Flipping): You must pay 2.5% Zakat on the current market value of the plot every year.

Business Inventory:
Anything you buy to sell (raw materials, finished stock in a shop) is Zakatable. Evaluate your stock based on its current wholesale market selling price on your Zakat date, not what you originally paid for it.

Based on the Holy Quran (Surah At-Tawbah 9:60), Zakat must exclusively be given to 8 categories (Masarif):

1. Al-Fuqara (The Poor): Those without sufficient wealth to meet basic living needs.
2. Al-Masakin (The Needy): Those in absolute destitution.
3. Al-Amilina Alayha: Authorized Zakat administrators.
4. Al-Mu'allafati Qulubuhum: New Muslims requiring financial support.
5. Fir-Riqab: For freeing captives or slaves.
6. Al-Gharimin (The Debtors): People crushed by permissible debts they cannot repay.
7. Fi Sabilillah: Those striving in the cause of Allah.
8. Ibn al-Sabil: A stranded traveler without access to their funds.

Strict Exclusions: Zakat CANNOT be given to your direct ascendants (parents, grandparents), direct descendants (children, grandchildren), spouse, or individuals belonging to the Hashimi (Syed) lineage.

If you haven't received the payout, the total installments you've paid is considered a receivable and is fully Zakatable. If you have received the lump sum, you pay Zakat on the cash that remains saved, minus the upcoming monthly installments you still owe as immediate debt.

Mandatory deductions made by the employer are exempt until you receive them upon retirement (you do not have physical possession/control over them yet). Voluntary contributions (where you actively choose to put money in a SIPP or fund) are Zakatable annually, usually calculated using a 25% proxy of the total fund value to account for the actual cash assets inside the fund.