The nisab is the minimum amount of wealth a person needs to own before zakat becomes due. In Pakistan, the gold nisab for Zakat is based on 87.48 grams of gold, while the silver nisab is 612.36 grams. The amount in Pakistani rupees can change as gold and silver prices move. The Zakat nisab for 2026 is therefore not one fixed rupee amount for the entire year.
What Is Nisab?
Nisab is the minimum level of qualifying wealth that makes a person liable for zakat once the other conditions have been met. It is traditionally measured using gold or silver. For someone calculating zakat in Pakistan, the current market value matters more than an old rupee figure. Gold and silver prices can change during the year, so the threshold may also change. Your zakatable wealth can include cash, savings, money in bank accounts, precious metals, business stock and certain investments. Your main home, everyday clothes, furniture and other personal belongings are generally not included just because they have a monetary value.
Gold Nisab for Zakat 2026
The gold nisab is 87.48 grams, or 7.5 tola. To calculate the zakat nisab gold 2026 value, multiply 87.48 by the current price of gold per gram.
87.48 × PKR 40,000 = PKR 3,499,200
Gold jewelry comes in different karats, such as 24-karat, 22-karat, and 21-karat, so the value is not always the same. The weight and karat of the gold should be checked before calculating its worth. Many women keep gold jewelry such as bangles, rings, necklaces, and earrings for years. Gold is also commonly kept as savings, especially when people buy it for long-term use. The current gold price can make a big difference when working out its value for Zakat.
The value of the gold can then be added to other assets, such as cash, savings and other qualifying wealth, to work out the total amount on which Zakat is due.
Zakat Nisab Silver 2026
The silver nisab is based on 612.36 grams, or 52.5 tola. Its value is found by multiplying that weight by the current price of silver. Silver is normally much cheaper than gold, so the resulting threshold is usually much lower when converted into Pakistani rupees. This can matter when your wealth is between the two thresholds. The ruling can be different depending on the Islamic school of thought. Some people use the gold standard, while others use the silver standard when working out the Nisab. The choice can affect the amount at which Zakat becomes due, so it is important to follow the method that applies to your situation.
Nisab Threshold in Pakistan
The nisab threshold in Pakistan can change when gold and silver prices rise or fall. Figures from earlier in the year may be different from the current amount. When checking a published figure, look at the date and the metal rate used to reach that amount. A number from several months ago may no longer give you an accurate picture.
Who Has to Pay Zakat?
Generally, zakat is payable by a Muslim who owns qualifying wealth at or above the nisab and meets the other requirements, including the completion of one lunar year for wealth to which hawl applies. This can include savings, cash, bank balances, precious metals, business inventory and certain investments. Money kept at home can also be included if it falls within the assets subject to zakat.
The home you live in and ordinary personal possessions are generally not included. This can cover everyday clothing, furniture, household appliances and similar items used for normal living. Debts can affect the amount on which zakat is calculated, but the rules for deductions can differ. Business stock, investments, gold, and other assets may need to be checked separately.
How Much Zakat Do You Pay?
For many forms of zakatable wealth, the standard rate is 2.5%.
For example, if your final zakatable wealth is PKR 1,000,000, the amount would be:
PKR 1,000,000 × 2.5% = PKR 25,000
For PKR 100,000, Zakat at 2.5% is:
PKR 100,000 × 2.5% = PKR 2,500
So, the Zakat on 1 lakh rupees is PKR 2,500, provided the applicable Nisab and other conditions are met.
A person with only savings may have a simple calculation, while someone with business stock, investments, gold, and debts may have more figures to consider.
Calculating Gold Zakat
Gold is generally valued according to its current worth rather than the price originally paid for it. This is important when jewelry has been owned for several years, and the market price has changed. Check the weight and Karat of each item, then use the current market rate to calculate its value. For example, suppose someone has three pieces weighing 10 grams, 15 grams, and 20 grams. Together, they contain 45 grams of gold. The value of those 45 grams can then be added to the person’s other zakatable wealth.
If you have several gold items with different weights or karats, a gold zakat calculator can make the calculation easier.
What About Silver?
Silver is measured separately when determining the applicable threshold. The traditional measurement is 612.36 grams. Its value in PKR depends on the current silver rate, so it is better to check the price around the date of your calculation rather than rely on an old figure. Silver jewelry and other silver possessions may also need to be considered, depending on their use and the Islamic ruling you follow. If you are unsure whether a particular item should be included, ask a qualified scholar.
Gold or Silver Nisab?
The two standards produce different monetary thresholds because they use different weights and market values. Gold is measured at 87.48 grams, while silver is measured at 612.36 grams. Since silver has a much lower price per gram, its monetary value is generally lower. This means a person’s wealth may be above the silver threshold while remaining below the gold threshold. That can affect whether someone is considered to have reached nisab.
Do not choose the lower amount simply because it makes the nisab easier to reach. Your Islamic school of thought or the guidance you normally follow should be taken into account.
Zakat Nisab in PKR
The amount in Pakistani rupees depends on the current price of the metal being used. There is no single PKR figure that stays accurate throughout the entire year. Multiply 87.48 grams by the current gold price per gram, or multiply 612.36 grams by the current silver price per gram.
For example, if gold is priced at PKR 40,000 per gram, 87.48 grams would have a value of PKR 3,499,200. Check the gold or silver rate for the date you are calculating Zakat.
Calculating Your Zakat
Start by making a list of the money and assets that may be subject to zakat. This can include cash, bank savings, gold, silver, business inventory, and qualifying investments. Next, consider debts or liabilities that may be deducted according to the method you follow. Add the remaining amounts together and compare your total with the relevant nisab. If you meet the conditions for zakat, apply the 2.5% rate to the amount that is actually payable.
A Zakat calculator can help you add up your savings, gold, silver and other zakatable assets. Quba Foundation provides a calculator to help you work out your Zakat amount. You still need to enter the correct figures and know which assets should be included.
Common Mistakes to Avoid
An outdated gold or silver price can give you the wrong nisab amount. A figure from several months ago may no longer match the current rate. Another common mistake is using the original purchase price of gold. Its current value is generally more relevant when calculating zakat. It is also easy to forget savings in another bank account, cash kept at home, business stock, or money that has been lent to someone. Debts should not simply be deducted without checking the rules that apply to them. Different situations can have different rulings, so the treatment of a debt may depend on the method being followed.
Your final zakat computation should include only the assets that are subject to Zakat and the deductions allowed under the method you follow.
If Allah has blessed you with wealth, paying Zakat is both a responsibility and a way to support people who are in need. Calculating the right amount helps you fulfil your Zakat obligation properly.
Final Thoughts
The 2026 nisab is based on the value of gold or silver rather than one fixed amount in Pakistani rupees. The traditional measurements are 87.48 grams of gold and 612.36 grams of silver. Check the current metal rate, add up your zakatable assets, consider any permitted deductions, and apply the 2.5% rate. Questions about gold, investments, debts, or other assets can be discussed with a qualified Islamic scholar before paying Zakat.
FAQs
How much Zakat do I pay on my savings?
Zakat on savings is 2.5% when the Nisab and other requirements are met.
Do I pay Zakat on gold jewelry?
Gold jewelry may be subject to Zakat depending on its use and the Islamic ruling you follow.
How much gold is needed before Zakat is due?
The gold Nisab is 87.48 grams, or 7.5 tola.
Do I pay Zakat on cash kept at home?
Yes, cash kept at home can be included when it is part of your zakatable wealth.
Should I use gold or silver to calculate Nisab?
The choice can depend on the Islamic school of thought or guidance you follow.