Zakat calculator

Follows the Banuri Town rule that gold alone is judged on 7.5 tola but gold with other wealth on the silver nisab, prices gold by carat, finds your due date in the Hijri calendar, and shows your zakat under every country’s nisab standard.

In short

Zakat is 2.5% of your net zakatable wealth, once it has stayed at or above the nisab for a full lunar year. The nisab is 7.5 tola (87.48 g) of gold or 52.5 tola (612.36 g) of silver. Under the Hanafi rulings from Banuri Town, gold alone uses the gold figure; any other wealth uses silver.

  • Banuri Hanafi rules
  • Gold in tola and carat
  • Nisab by country
  • Worksheet
  • Runs in your browser

Private by design. Nothing you type is uploaded or saved. Add this tool to your phone or computer for one-tap access.

Country and rules

Hanafi: 7.5 tola of gold if you own only gold, otherwise 52.5 tola of silver for all your wealth together. Jewellery in use is counted. Banks deduct 2.5% on 1 Ramadan from balances above a nisab the government notifies each year (PKR 503,529 for 2026, from silver at PKR 9,591 a tola), unless you file a declaration.

Hanafi rule (Banuri): gold alone is judged on 7.5 tola of gold; gold with any cash, silver or goods is added together and judged on 52.5 tola of silver.

Counted under the Hanafi position in the Banuri fatwas. Many scholars of the other schools exempt permitted jewellery worn in regular use; untick if yours does.

Today’s rates

Use today’s rate from your jeweller or a bullion dealer. The tool never fetches prices, so the nisab is only as current as the rate you type. 1 tola = 11.664 g.

Gold

Carat matters: 22-carat gold is 22/24 pure, and only the pure gold is priced.

Silver

Leave purity blank for pure silver; type 92.5 for sterling.

Cash and other wealth (PKR)

Only what you expect to get back.

At selling price.

At today’s value. Scholars differ on how to value some holdings.

Debts and payments (PKR)

Owed to people: loans, credit cards, unpaid bills and instalments due within the year.

The Banuri fatwa speaks of wealth beyond basic needs. Leave blank if unsure and ask your scholar.

When is it due?

Zakat falls due one lunar year later. The tool finds that date in the Hijri calendar (one day behind Umm al-Qura, as with local moon sighting); confirm it with your local announcement.

Missed earlier years (optional)

Each year is worked out on its own wealth against today’s nisab value. Earlier unpaid zakat is not taken off later years; ask your scholar how to treat it in your case.

A calculation, not a fatwa. It follows the Banuri Town rulings by default and shows how the nisab changes under other standards. Whether a particular asset is zakatable, how to value it and which debts to deduct can differ between scholars; ask yours for any doubtful case. Darul Ifta Banuri Town is cited as a published source; this site is not affiliated with or endorsed by Jamia Banuri Town.

Zakat calculation
Pakistan · 7.5 tola gold / 52.5 tola silver
Zakat
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Enter your gold, silver, cash and other wealth, and today’s rates, to see the result.

Rules: Darul Ifta, Jamia Uloom Islamia Banuri Town (fatwas 144509100152, 144408102065, 144409101010, 144409100227). A calculation from the figures entered, not a fatwa.

How the nisab differs by country

The weights come from the hadith of 20 mithqal of gold and 200 dirhams of silver, but schools and countries convert them differently. The table lists what each source says; the calculator above lets you switch between the standards. Figures marked “reported” come from a secondary source and should be checked with your local scholar or zakat body.

CountryWeightsWhat it saysSource
Pakistan7.5 tola gold / 52.5 tola silverHanafi: 7.5 tola of gold if you own only gold, otherwise 52.5 tola of silver for all your wealth together. Jewellery in use is counted. Banks deduct 2.5% on 1 Ramadan from balances above a nisab the government notifies each year (PKR 503,529 for 2026, from silver at PKR 9,591 a tola), unless you file a declaration. (confirmed)Darul Ifta, Jamia Uloom Islamia Banuri Town, fatwas 144509100152, 144408102065, 144409101010; Nukta report on the 2026 bank deduction nisab
India7.5 tola gold / 52.5 tola silverThe Hanafi weights are used by most Indian Sunni scholars: 87.48 g of gold and 612.36 g of silver. There is no government deduction; you work it out and pay it yourself. (reported)Hanafi fatwa guidance from the Banuri fatwas above; weights reported on South Asian zakat guides
Bangladesh7.5 tola gold / 52.5 tola silverThe market value of 52.5 tola (about 612 g) of silver is the usual threshold. (reported)The Daily Star: Modern banking simplifying your zakat
United Kingdom7.5 tola gold / 52.5 tola silverThe National Zakat Foundation gives 87.48 g of gold and 612.36 g of silver, with an alternative opinion of 85 g and 595 g. It advises the silver measure when you hold a mix of assets, because it is safer and more beneficial to those who receive zakat. (confirmed)National Zakat Foundation (UK): nisab rates
Saudi Arabia85 g gold / 595 g silverCommonly given as 85 g of gold or 595 g of silver. Individuals normally pay their own zakat; the gold figure is the one most Gulf sources use for savings. Worn jewellery is generally treated as exempt by the Hanbali school. (reported)Qoyod glossary: zakat nisab; fatwa of Dr Khalid al-Muslih (almosleh.com)
United Arab Emirates85 g gold / 595 g silverThe 85 g gold figure is the usual standard in the Gulf. Check the local fatwa body or your scholar for the silver measure and for jewellery. (reported)Gulf practice as reported by the Saudi sources above; no UAE-specific publication was checked
Malaysia85 g gold / 595 g silverState zakat bodies use 85 g of gold, held for a lunar year. Jewellery that is worn is zakatable only above a local customary amount (800 g in Kuala Lumpur; other states differ). (reported)RinggitPlus: how to pay zakat in Malaysia; academic papers on zakat on gold
Indonesia85 g gold / 595 g silverBAZNAS bases the nisab on 85 g of gold. Its 2026 income nisab (Rp 91,681,728 a year) is priced on 14-carat gold, which some scholars question. (reported)Suara Surabaya and Metro TV reports on BAZNAS Decree 15/2026
Türkiye80.18 g gold / 561.2 g silverThe Diyanet uses 80.18 g of gold (20 mithqal) as its basis, and 561.2 g for silver (200 dirhams). (reported)Islam ve İhsan, citing the Diyanet İslam İlmihali
United States and Canada7.5 tola gold / 52.5 tola silverThere is no national body. Communities follow their own scholar: the Hanafi weights (87.48 g and 612.36 g) or the 85 g and 595 g figures. Choose the one your scholar uses. (reported)The weights are those published by the National Zakat Foundation (UK) and the Banuri fatwas above; no US or Canadian national body sets a nisab

Page last updated

How to use it

  1. Choose your country. It sets the currency, the nisab weights and whether jewellery in regular use is counted, and you can change each one.
  2. Type today’s 24-carat gold rate and silver rate from your jeweller, per tola or per gram.
  3. Enter your gold (weight and carat), silver, cash, bank balances, money owed to you, stock and investments.
  4. Enter the debts you owe that are due, and any zakat you have already paid this year.
  5. Read the nisab, your net wealth and the zakat due, the table of other countries’ standards, and your due date. Add missed years if you need to.

How it calculates

Gold is priced by its pure content (carat ÷ 24 times the weight times the 24-carat rate) and silver by its fineness. Add cash, bank balances, money owed to you, trade stock and investments, then take off debts owed to people that are due and any cash kept for essential needs. The result is compared with the nisab: if the person owns only gold the gold nisab (7.5 tola, 87.48 g) is used, otherwise everything is judged against the value of 52.5 tola (612.36 g) of silver, following Banuri Town. Zakat is 2.5% of the net wealth when it reaches the nisab, less any zakat already paid. 1 tola is 11.664 g.

For example, with made-up rates of Rs 400,000 a tola for 24-carat gold and Rs 6,500 a tola for silver, a person holds 5 tola of 22-carat jewellery worth Rs18,33,333, Rs 150,000 in cash and Rs 600,000 in the bank, and owes Rs 100,000 that is due. Because there is wealth besides gold, the silver nisab of 52.5 tola, Rs3,41,250, applies. Net wealth is Rs25,83,333 less Rs1,00,000, which is Rs24,83,333, so zakat at 2.5% is Rs62,083. Someone with only the same 5 tola of gold and nothing else is under the 7.5 tola gold nisab of Rs30,00,000, so owes no zakat. The rates and amounts are made up; yours come from what you type.

Who should use it

  • Muslims in Pakistan, India and Bangladesh who hold gold in tola and want a Hanafi calculation
  • Anyone who wants to see how much the answer changes under the 85 g / 595 g or Diyanet standards
  • People with gold, savings and some business stock who are unsure whether the gold or the silver nisab applies
  • Families working out missed years of zakat

Who should not use this

  • Anyone who needs a fatwa: this is a calculation, and doubtful cases belong with a qualified scholar
  • Owners of livestock, farmland (ushr), mines or buried treasure; those categories are not covered
  • Companies with complex share structures, who need their balance sheet and an accountant
  • Anyone who wants live prices; the tool never fetches rates, so you must type today’s

Limitations

  • Gold and silver prices are not fetched. The nisab is only as current as the rates you type.
  • The Hanafi default (gold alone uses the gold nisab; anything else uses silver) follows the Banuri Town fatwas listed under Sources. Other scholars and other schools apply different rules, which the settings let you try.
  • One start date is used for the whole of your wealth. If different assets reached the nisab at different times, ask your scholar which date applies.
  • Valuing shares, provident funds, pensions and doubtful debts is a matter of scholarly difference; the tool takes the value you enter.
  • Country figures marked “reported” come from secondary sources such as news reports and charity pages, not from the issuing body’s own publication.
  • Darul Ifta Banuri Town’s published fatwas are cited as sources. This site is not affiliated with, endorsed by or speaking for Jamia Uloom Islamia Banuri Town.
  • Nothing is uploaded or stored on a server. Clearing your browser data also removes the saved profile.

Sources and review

Reviewed on 20 Oct 2026 against the published sources below. Rules and prices change, so check the current position before you rely on a figure.

Common questions

How much zakat is due on 1 tola of gold?
Zakat is 2.5% of the value of the gold, but only if you are over the nisab. If a tola of 24-carat gold were Rs 400,000 (an example, not today’s price), 2.5% would be Rs 10,000. Under the Banuri Town fatwas, a person who owns only 1 or 2 tola of gold and nothing else owes no zakat, because it is under 7.5 tola.
What is the nisab of gold and silver in tola, grams and rupees?
In the Hanafi view the nisab is 7.5 tola (87.48 g) of gold or 52.5 tola (612.36 g) of silver. The rupee amount changes with the daily price, so multiply 52.5 by the price of one tola of silver, or 7.5 by the price of one tola of gold. Enter today’s rates and the tool does it.
Should I use the gold nisab or the silver nisab?
Banuri Town rules that a person who owns only gold uses 7.5 tola; a person who owns gold together with cash, silver or trade goods adds them together and compares the total with 52.5 tola of silver. The National Zakat Foundation also advises the silver measure for a mix of assets, as it is safer and more beneficial to those who receive zakat.
Is zakat due on gold jewellery I wear?
In the Hanafi view, yes: gold and silver are zakatable however they are held, including jewellery, as the Banuri fatwas quote from Radd al-Muhtar. Many scholars of the other schools exempt permitted jewellery that is worn regularly. The calculator counts it by default for Hanafi countries and lets you switch that off.
Are debts deducted before working out zakat?
Yes. Banuri Town says to deduct debts owed to people, and then compare what remains with the nisab. Enter debts that are due, such as loans, credit cards, unpaid bills and instalments due within the year. A long-term mortgage balance is not usually deducted in full; ask your scholar.
What is the bank zakat deduction nisab in Pakistan?
Under the government notification reported for Ramadan 2026, banks deduct zakat from accounts holding PKR 503,529 or more on the first day of Ramadan, based on silver at PKR 9,591 a tola, unless the holder has filed a declaration. That is separate from your own obligation, which you work out with your own wealth and the rates for the day.
When is my zakat due?
Zakat falls due when your wealth has stayed at or above the nisab for one lunar (Hijri) year. Enter the date your wealth first reached the nisab and the tool finds that day in the Hijri calendar and the Gregorian date of the next due date. Confirm it against your local moon-sighting announcement.
How is the nisab different in Saudi Arabia, Malaysia, Turkey and the UK?
Gulf sources commonly give 85 g of gold or 595 g of silver; Malaysia and Indonesia use 85 g of gold; Turkey’s Diyanet uses 80.18 g of gold; the UK’s National Zakat Foundation publishes 87.48 g and 612.36 g with 85 g and 595 g as an alternative. The page lists each with its source, and the calculator shows your zakat under all three standards.
How do I calculate zakat for missed years?
Work out the net zakatable wealth you had each year and take 2.5% of each year that was at or above the nisab. Add the missed years in the calculator and it totals them. Whether earlier unpaid zakat is deducted from later years is a point of difference; this tool does not deduct it.

Guides that explain the rules

Related tools

This tool produces a document from the information you type. It does not give legal, tax or accounting advice, and it does not check that your figures or rates are right. See the disclaimer. Found a mistake? Report an error in a calculation.