Zakat Calculator 2026: How Much Gold and Cash Makes You Eligible New Method

Zakat is one of the five pillars of Islam, and every financially capable Muslim must pay it annually. With 2026 approaching, it is important to understand how much gold, cash, and other assets make you eligible for Zakat. This guide provides a clear explanation of Nisab thresholds, calculation methods, and practical examples for Muslims in Pakistan.

Asset Type	Nisab Threshold for Zakat 2026	Zakat Rate
Gold	87.48 grams (approx. 7.5 tolas)	2.5% of total gold value
Silver	612.36 grams (approx. 52.5 tolas)	2.5% of total silver value
Cash (Savings/Bank Accounts)	Equivalent to Nisab of gold	2.5% of total cash
Business Inventory	Equivalent to Nisab of gold	2.5% of total inventory value
Agricultural Produce	Varies by type and irrigation	5%–10% depending on water use
Livestock	40 camels, 30 cows, 5 goats/sheep	2.5%–20% depending on type

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What is Nisab and Why It Matters

Nisab is the minimum amount of wealth a Muslim must possess before Zakat becomes obligatory. It is calculated based on the value of gold or silver:

Gold Nisab: 87.48 grams of gold
Silver Nisab: 612.36 grams of silver

If your total wealth, including cash, gold, silver, and trade assets, equals or exceeds the Nisab for a lunar year, you are liable to pay Zakat.

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How to Calculate Zakat on Gold and Silver

Gold and silver are the most common assets for Zakat calculation:

Determine the current market value of your gold or silver in PKR.
Multiply the total value by 2.5% (0.025).
Example: If you own 100 grams of gold and the price of gold is PKR 15,000 per gram:
- Total value = 100 × 15,000 = PKR 1,500,000
- Zakat = 1,500,000 × 0.025 = PKR 37,500
Silver works the same way. Its Nisab is higher in weight, so cash and silver owners often pay Zakat using the silver standard for fairness.

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Zakat on Cash, Savings, and Bank Accounts

Cash savings and bank balances also fall under Zakat:

Add all cash in hand, savings accounts, and fixed deposits.
Compare the total with the Nisab value (based on gold).
Pay 2.5% of the total cash if it exceeds the Nisab.
Example: Cash savings = PKR 800,000, Nisab = PKR 600,000
- Zakat = 800,000 × 0.025 = PKR 20,000

Zakat on Business Assets

Business owners must calculate Zakat on:

Stock and inventory at market value
Outstanding receivables
Cash in business accounts

Then pay 2.5% of the total eligible business assets if above Nisab.

Agricultural Produce and Livestock Zakat

Agricultural produce and livestock have specific Zakat rules:

Crops: 5% if irrigated naturally (rainwater) and 10% if irrigated by paid water or machinery
Livestock: Zakat depends on type and number of animals:
- 40 camels: 1 camel as Zakat
- 30 cows: 1 cow as Zakat
- 5 goats/sheep: 1 goat/sheep as Zakat

Conclusion

Zakat 2026 ensures that Muslims purify their wealth and help those in need. To calculate correctly:

Include gold, silver, cash, business assets, and agricultural produce
Compare your total wealth with the Nisab threshold
Pay 2.5% of eligible wealth if above Nisab (agriculture and livestock may differ)

By using these calculations, you can fulfill your religious duty and contribute to the welfare of your community responsibly.

FAQs

Q1: Can I pay Zakat in installments?
Yes, Zakat can be paid in parts as long as the total equals the 2.5% of eligible wealth.

Q2: Should I pay Zakat on borrowed money I possess?
No, Zakat is only applicable on wealth that belongs to you and is fully in your possession.

Q3: Which is better for Nisab calculation, gold or silver?
Silver is usually preferred because it has a lower value and more people reach Nisab using silver, benefiting the poor.

Q4: Can I pay Zakat to family members?
You cannot pay Zakat to immediate family members who are dependent on you. It must go to eligible poor or needy people.