Zakat Calculator Pakistan 2026
Calculate your precise 2.5% annual Zakat obligation across bank balances, precious metals, Islamic mutual funds, and business stock with customizable Gold & Silver Nisab benchmarks.
Kepto.co — Official Zakat Calculation Worksheet
Calculated on 27 September 2026 | Nisab Benchmark: Silver (52.5 Tolas)
1. Nisab Benchmark & Market Rates
Select your Nisab threshold basis. Scholars overwhelmingly recommend the Silver standard for mixed assets & cash.
2. Cash & Liquid Bank Balances
Physical cash, current/savings accounts, digital wallets, and foreign currencies held in Pakistan.
3. Gold & Precious Metals
Gold and Silver bullion, coins, or jewelry held for wealth preservation/investment.
4. Shares, Mutual Funds & Securities
Islamic mutual funds (Al-Meezan, NIT), PSX stocks, and financial instruments.
5. Business Assets & Inventory for Sale
Goods meant for resale at wholesale/retail value. Fixed assets (machinery, factory land) are exempt.
6. Deductible Debts & Short-term Liabilities
Immediate liabilities due now that reduce your Zakatable wealth (e.g. personal loans due, unpaid bills).
2026 Zakat Summary
2.5% on Net Zakatable Wealth
Track Bank Balances Automatically
Stop manually adding up bank accounts. Upload your Meezan, HBL, UBL, or SadaPay statements to Kepto to view your exact Zakatable cash and track annual charitable giving.
Upload Statement FreeSave FBR Income Tax with Compulsory Zakat
Under Section 60 of Pakistan's Income Tax Ordinance, compulsory Zakat deducted by banks under the Zakat and Ushr Ordinance is 100% tax-deductible from your gross salary.
Calculate your FBR Salary Tax Relief →Frequently Asked Questions About Zakat in Pakistan
Guidance based on Islamic jurisprudence and standard Pakistani banking practices.
What is the Nisab threshold for Pakistan in 2026?
Nisab is the minimum qualifying amount of wealth. The silver threshold is 52.5 tolas (~612.36 grams), which in 2026 equals approximately Rs. 260,000–Rs. 280,000. The gold threshold is 7.5 tolas (~87.48 grams), equivalent to ~Rs. 2.1M+. If your net liquid wealth meets or exceeds the Nisab and has been held for one lunar year (Hawl), 2.5% Zakat is obligatory.
Is Zakat due on personal property, cars, and home appliances?
No. Zakat is not due on items for personal daily use: your primary residence, personal vehicle, clothing, furniture, or household equipment. However, real estate bought specifically for resale (trading inventory) is Zakatable at its current market value.
How do I prevent automatic bank deduction on 1st Ramadan?
Under the Zakat and Ushr Ordinance 1980, Pakistani commercial banks automatically deduct 2.5% Zakat on saving and profit-and-loss sharing (PLS) accounts on the 1st of Ramadan. To exempt your account, you must submit a signed CZ-50 Zakat Declaration Affidavit (Form CZ-50) to your bank branch before the 1st of Sha'ban.
How is Zakat calculated on Islamic Mutual Funds (e.g., Al-Meezan)?
For open-ended Islamic mutual funds like Meezan Rozana Amdani Fund or Al Meezan Sovereign Fund, Zakat is computed on the fund's underlying zakatable assets per unit. Management companies publish annual Zakat per unit values for ease of calculation.