Zakat on Cash & Savings Calculator
Cash in hand, bank accounts and savings — if most of your wealth is money, this page works out just that: debts off, a check against the nisab, and the 2.5% Zakat.
Dar al-Ifta, Ramadan 1447 / 2026 — on the silver nisab
Total money
Rs 800,000
Net amount
Rs 800,000
Your Zakat (2.5%)
Rs 20,000
Your net amount reaches the nisab (Rs 504,105), so Zakat is due: 2.5% of the net amount.
Not on salary — on what stays saved
Zakat is not a tax on income; it falls on the wealth you hold on your Zakat date, once a lunar year has passed over it. So the method is plain: add up all the cash and savings you hold on that day, take off the debts that are due, and compare with the nisab. What the nisab is and how its rupee figure is worked out is explained in full in our nisab guide. If you also hold gold, silver or business goods, the main Zakat calculator counts everything together.
Frequently asked questions
How much Zakat is due on Rs 1,000,000 of savings?+
If the money has reached the nisab and a lunar year has passed, Zakat is 2.5% of the whole net amount: Rs 1,000,000 gives exactly Rs 25,000. There is no separate rate for savings — cash is the simplest zakatable asset there is.
Do I pay Zakat on my salary every month?+
No. Salary is not taxed as it arrives. What counts is the money you still hold on your Zakat date — savings that have accumulated and stayed at or above the nisab over the lunar year. The salary you spent on living costs is simply gone and was never zakatable.
What counts as cash for Zakat?+
Notes in hand, balances in current and savings accounts, savings certificates and deposits at their current value, and balances sitting in mobile wallets such as JazzCash and Easypaisa. If it is money you own and can reach, it counts as cash.
Should I subtract bills and debts before calculating?+
Yes. Debts owed to people and pressing liabilities come off first; Zakat is worked out on what remains. Put them in the debts field above. Long-term loans are a more detailed question in the books of fiqh — for anything beyond ordinary debts, ask a mufti.
Which date do I calculate my Zakat on?+
Most people fix one date — often in Ramadan, for the extra reward — and calculate everything they own on that date each year. That keeps the lunar-year (hawl) condition straight even as money comes and goes. If you also own gold, silver or trade goods, use the main Zakat calculator so everything is counted together.
Sources & rulings
Every calculation on this page follows Fiqh-e-Hanafi. The rates and the nisab are from the Dar al-Ifta (Minhaj-ul-Quran) poster for Pakistan, Ramadan 1447 Hijri / 2026; prices change, so every amount on this page is editable.
This is calculation guidance only — not a fatwa. For a final ruling, consult a mufti or Dar al-Ifta. See our methodology & sources for the full basis.
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Enter your silver in grams or tola with today's price — see if it reaches the 612.36 g nisab and exactly how much Zakat is due.
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