FREE PKR CALCULATOR · NISAB & 2.5% ZAKAT ASSESSMENT
Pakistan Zakat Calculator in PKR (Gold, Silver, Cash & Business Inventory)
Compute your exact 2.5% annual Zakat obligation in Pakistani Rupees (PKR) across Gold (tolas/grams), Silver (tolas), Cash & Bank/Wallet balances, recoverable Udhar/Kamaiti savings, and saleable Business Inventory after deducting immediate short-term liabilities against either the 52.5-tola Silver Nisab or 7.5-tola Gold Nisab.
01. Covers Both Household Savings & Dukaan Trade Inventory
When your net Zakatable wealth stays above the Nisab threshold for one lunar year (Hawl), 2.5% (1/40th) is payable as Zakat. Keeping clean bank, wallet, khata receivable, and inventory balances in KharchaTracker makes annual Zakat assessment effortless.
- Supports Pakistani tola measurements (52.5 tolas Silver = 612.35g; 7.5 tolas Gold = 87.48g).
- Separates saleable trade stock and good customer receivables from exempt personal-use assets (home, personal car, shop fixtures).
- Displays both total annual Zakat and a 12-month distribution plan if you disburse Zakat throughout the year.
Zakatable vs Non-Zakatable Assets Summary (Pakistan)
| Asset Category | Included in Zakat? | Valuation Basis in PKR |
|---|---|---|
| Cash, Bank Accounts & Mobile Wallets | Yes (100%) | Actual PKR balance on Zakat valuation date |
| Gold & Silver Jewelry / Bullion | Yes | Current market resale value in PKR (tolas / grams) |
| Dukaan / Wholesale Goods for Sale | Yes | Current market selling value of stock in hand |
| Good Customer Udhar / Paid-In Kamaiti | Yes | Recoverable receivable value in PKR |
| Primary Residence, Personal Car & Shop Furniture | Exempt | Personal / operational fixed assets are excluded |
Frequently Asked Questions
Should I use the Silver Nisab (52.5 tolas) or Gold Nisab (7.5 tolas) in Pakistan?
For mixed assets (cash, bank savings, gold + cash, or business inventory), scholars in Pakistan as well as official Zakat standards use the 52.5-tola Silver Nisab because it is lower and benefits more deserving recipients. The 7.5-tola Gold Nisab generally applies only when someone owns exclusively gold with zero cash, silver, or trade stock.
How do business owners calculate Zakat on shop inventory and Udhar Khata?
Add cash in hand/bank, current market value of finished goods held for sale, and recoverable customer receivables (Udhar), then subtract immediate supplier payables and accrued expenses due. Multiply the net amount (if above Nisab) by 2.5%.