Nisab: What It Is and How to Calculate Your Zakat

What is the nisab?

The nisab is the minimum wealth at which Zakat becomes obligatory. Own less than the nisab and no Zakat is due; own it — or more — for a full lunar year, and Zakat is owed on everything you have, not just the part above the line.

In Fiqh-e-Hanafi the nisab is measured in gold or silver: 87.48 grams of gold (7.5 tola) or 612.36 grams of silver (52.5 tola). Because silver is far cheaper per gram today, the silver nisab gives the lower money threshold — and using the lower threshold is the safer and more generous course, since it means Zakat is paid in more cases and the poor receive more.

How much is the nisab in rupees?

The rupee figure changes with metal prices. Dar al-Ifta (Minhaj-ul-Quran), in its Ramadan 1447 Hijri / 2026 poster for Pakistan, published the nisab as Rs 5,04,105. That is the default inside our Zakat calculator, but the field is editable: if you are calculating later in the year, update it from the current silver price — 612.36 grams of silver multiplied by today's per-gram rate is the nisab.

Notice what the nisab is not: it is not a tax-free allowance. Once your net wealth crosses it and a lunar year passes, Zakat is 2.5% of the whole amount, not only of the excess.

Open the Zakat calculator

What wealth counts towards Zakat?

Count these: cash in hand and in bank accounts, gold and silver (valued at today's price), goods bought for resale at their current selling value, and money owed to you that you expect to recover. Together these are your zakatable assets.

Do not count what you live with: your house, car, furniture, clothes and tools of your trade are not zakatable, however valuable. Then subtract what you owe — debts due to people and pressing liabilities — because Zakat is on what is truly yours after your obligations.

How do I calculate my Zakat, step by step?

First, list your zakatable assets and add them up. Second, subtract your debts and immediate liabilities. Third, compare the result with the nisab: below it, no Zakat is due this year. Fourth, if you are above it and a lunar year has passed over that wealth, multiply the net by 2.5% — one-fortieth. A net of Rs 1,000,000, for example, gives Zakat of exactly Rs 25,000.

That is precisely what our Zakat calculator does, with every field visible so you can check each line. If most of your wealth is gold, the Zakat on gold calculator starts from weight and price instead.

When is Zakat due?

Zakat falls due when a full lunar year (hawl) has passed over wealth that reached the nisab. Most people fix a date — often in Ramadan, for the extra reward — and calculate everything they own on that date each year, which is a practical way to keep the year condition straight even as money comes and goes.

This guide is calculation help, not a fatwa: unusual situations — business partnerships, debts in dispute, wealth inherited mid-year — deserve a question to a mufti or Dar al-Ifta before you act on a number.