Pakistan Zakat & Fitrana Calculator
Based on Zakat & Ushr Ordinance 1980 · CII Rulings 2025 · SBP Nisab Notifications · Hanafi Fiqh
IMPORTANT DISCLAIMER – ESTIMATE TOOL ONLY
This calculator is a FREE ESTIMATE TOOL based on the Zakat & Ushr Ordinance 1980, SBP Nisab notifications, and CII rulings. It does NOT constitute an official Fatwa, religious ruling, or legal advice. Your actual Zakat obligation depends on your full financial situation, the madhab (school of thought) you follow, and your personal circumstances. For your individual Zakat, please consult a qualified Islamic scholar (Mufti or Aalim), or contact your local mosque. The State Bank of Pakistan’s bank deduction is governed by the Zakat & Ushr Ordinance 1980 and is separate from voluntary personal Zakat.
Welcome to Pakistan’s most comprehensive free online Zakat and Fitrana calculator for the year 2025 (Ramadan 1446 AH). This tool provides estimated calculations based on the Zakat & Ushr Ordinance, 1980, official State Bank of Pakistan (SBP) Nisab notifications, Council of Islamic Ideology (CII) Fitrana rulings, and Hanafi Shariah principles as practised in Pakistan. Whether you are calculating Zakat on gold, silver, savings accounts, business assets, or livestock — or working out your Fitrana, Fidya, or Kaffarah — this calculator guides you through the process step by step.
📌 Estimate Notice: All results are approximate estimates only. They are not a Fatwa and are not binding. Consult a qualified scholar for your personal obligation.
Pakistan Zakat & Fitrana Calculator
زکوٰۃ · فطرانہ · عُشر · فِدیہ | Based on Zakat & Ushr Ordinance 1980 · CII Rulings 2025
Nisab Threshold 2026 – Pakistan Official Rates (نصابِ زکوٰۃ)
The Nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. Pakistan’s Ministry of Poverty Alleviation and Social Safety announces the official Nisab each year via notification to the State Bank of Pakistan, based on the silver standard — which is the lower threshold used for mixed assets per the consensus of most contemporary Pakistani scholars.
Year | Hijri Year | Official Nisab (PKR) | Source / Authority |
2026 | 1447 AH | Rs. 503,529 | Ministry of Poverty Alleviation, Feb 2026 |
2025 | 1446 AH | Rs. 179,689 | SBP/Ministry Notification, Ramadan 2025 |
2024 | 1445 AH | Rs. 135,179 | SBP/Ministry Notification, Ramadan 2024 |
2023 | 1444 AH | Rs. 88,927 | SBP/Ministry Notification, Ramadan 2023 |
2022 | 1443 AH | Rs. 88,927 | SBP Notification, Ramadan 2022 |
💡 Gold vs Silver Nisab – Which Applies to You?
🥇 Gold Nisab (applies only if you own ONLY gold, no other assets): 7.5 tola = 87.48 grams of pure gold
🥈 Silver Nisab (applies for mixed assets – gold + cash + savings etc.): 52.5 tola = 612.36 grams of silver (lower threshold)
🏛️ Pakistan Government Official Nisab: Based on silver standard. For 2025: Rs. 179,689 (SBP Notification). This is the threshold used for bank auto-deductions under Zakat & Ushr Ordinance 1980.
What Assets are Zakatable?
Under the First Schedule of the Zakat & Ushr Ordinance 1980 and Hanafi Shariah principles, the following categories of assets are subject to Zakat in Pakistan:
Asset Category / مال | Rule & Legal Reference |
🥇 Gold – سونا | Zakatable on all forms (jewellery, coins, bars). Nisab: 87.48g. Rate: 2.5% on total value. (Shariah / ITO 2001) |
🥈 Silver – چاندی | Zakatable on all forms. Nisab: 612.36g. Rate: 2.5%. For mixed assets, silver Nisab (lower) applies. (Shariah) |
💵 Cash at Home / in Hand | All cash held in any currency. Rate: 2.5%. (First Schedule, Z&U Ord 1980) |
🏦 Savings / PLS Bank Accounts | COMPULSORY bank deduction on 1st Ramadan if balance ≥ official Nisab. Rate: 2.5%. (Section 3, Z&U Ord 1980) |
🏦 Current Account Balance | No compulsory bank deduction, but Zakatable under Hanafi Shariah as part of total wealth. |
🎟️ Prize Bonds | Listed in First Schedule, Z&U Ordinance 1980. Rate: 2.5%. |
📜 National Savings Certificates | Defence Savings, Regular Income Certificates, Khas Deposit, Special Savings – all First Schedule assets. |
🏪 Business Trading Stock | Inventory held for sale. Rate: 2.5% of market value. (First Schedule, Z&U Ord 1980) |
💼 Business Cash & Receivables | Business bank balances and debtors (money owed to you). Rate: 2.5%. |
📈 Listed Shares | Market value of trading company shares. Rate: 2.5%. (Shariah – company Zakat rules) |
📊 Mutual Funds | Zakatable portion (underlying assets). Rate: 2.5%. |
🏘️ Accumulated Rental Income | Rental income saved over the year. Rate: 2.5% after deducting expenses. |
🐄 Livestock – مویشی | Separate Nisab rules: Camels (min 5), Cattle (min 30), Goats/Sheep (min 40). Hanafi rules apply. |
🌾 Agricultural Produce – عُشر | Ushr: 10% (rain-fed), 5% (irrigated). Nisab: 849 kg wheat equivalent. (Z&U Ord 1980) |
❌ NOT Zakatable (No Zakat on These) | Reason |
Personal Residence / Home | Not held for trade or growth; personal use property is exempt. |
Personal Vehicle | Used for personal/family transport; not for trade. |
Household Goods & Furniture | Personal use items are not Zakatable under Hanafi Fiqh. |
Business Machinery & Equipment | Fixed assets used in production (not for sale) are exempt. |
Diamonds, Gems, Platinum | No Zakat on precious stones or metals other than gold and silver per Hanafi Fiqh. |
Life Insurance (conventional) | Not owned wealth; Zakat not applicable. Takaful may differ. |
Long-term Property Investment | Property held for own use or long-term – only rental income above expenses is Zakatable. |
How to Calculate Zakat
Calculating Zakat correctly requires three steps: determining your total Zakatable assets, deducting allowable liabilities, and checking against the Nisab threshold.
Step 1 – Add Up All Zakatable Assets
Total all assets that have been in your possession for a full lunar year (Hawl): gold, silver, cash, savings, investments, business stock, receivables, and livestock.
Step 2 – Deduct Allowable Liabilities
Deduct short-term debts and liabilities that are due within the year (e.g., loans you owe, creditors, due bills). Long-term liabilities (like a mortgage): most Hanafi scholars allow only the current year’s instalment to be deducted, not the full outstanding loan.
Step 3 – Check Nisab
If your net Zakatable wealth equals or exceeds the official Nisab (Rs. 179,689 for 2025), and the Hawl has passed, Zakat is obligatory at the rate of 2.5% (1/40th) of your total net Zakatable wealth.
Step 4 – Deduct Bank Auto-Deduction
Under the Zakat & Ushr Ordinance 1980, your bank will auto-deduct 2.5% from your savings/PLS account balance on the 1st of Ramadan if it meets Nisab. This amount counts towards your total Zakat obligation. You only need to pay the remaining balance manually.
ℹ️ Zakat Calculation Formula Zakat = (Total Zakatable Assets – Deductible Liabilities) × 2.5% Example: Assets = Rs. 1,500,000 | Liabilities = Rs. 200,000 | Net = Rs. 1,300,000 | Zakat = Rs. 32,500 |
References & Official Sources
- Zakat & Ushr Ordinance, 1980 (XVIII of 1980) – nasirlawsite.com
- Ministry of Poverty Alleviation and Social Safety – Official Nisab Notification Feb 2026 (Business Recorder, 2026)
- State Bank of Pakistan – Nisab Notification 2025 (pkrevenue.com; Zameen Blog)
- Council of Islamic Ideology – Fitrana/Fidya Announcement Ramadan 2025 (Dawn.com, Express Tribune, ARY News – March 2025)
- Mufti Muneeb-ur-Rehman – Fitrana announcement 2025 (Express Tribune, March 2025)
- Al-Khidmat Foundation Islamabad – Fitrana 2025 (Rs. 300/person announcement)
- Punjab Zakat & Ushr Act, 2018 – zakat.punjab.gov.pk
- Constitution of Islamic Republic of Pakistan, 1973 – Article 31(c)
- Holy Quran – Surah At-Tawbah 9:60; Surah Al-Baqarah 2:43; Surah Al-A’la 87:14
Sahih al-Bukhari (Hadith 1403); Sunan Abu Dawood (Hadith on Sadaqat-ul-Fitr
This Pakistan Zakat & Fitrana Calculator is an INDEPENDENT FREE ESTIMATE TOOL only. It is NOT affiliated with, endorsed by, or connected to:
- Federal Board of Revenue (FBR) or any government tax authority
- State Bank of Pakistan (SBP) or any commercial bank
- Council of Islamic Ideology (CII) or any religious authority
- Ministry of Poverty Alleviation and Social Safety or any provincial Zakat department
All estimates are based on publicly available information. Your actual Zakat obligation is a matter of Islamic jurisprudence (Fiqh) and depends on your specific financial situation, the madhab you follow, and scholarly opinion. This tool does NOT constitute a Fatwa. Consult a qualified Mufti or Aalim for your personal religious obligation. For bank Zakat deduction, refer to your bank and SBP guidelines under Zakat & Ushr Ordinance 1980.