Before paying Zakat, understanding how to calculate nisab is one of the most important steps to follow. Many Muslims want to fulfill this religious obligation correctly, but sometimes, they get overwhelmed by the nisab threshold. It is very important to know the values of gold and silver and how cash savings are counted. This article is a detailed guide explaining everything about Nisab. So, let’s start learning about the Nisab threshold here.

What is Nisab?

Nisab is the minimum threshold that makes you liable to pay zakat. If your total wealth is equal to or above the threshold figure or Nisab for a full lunar or Islamic year, then you must pay Zakat. However, if someone’s total wealth is under the set Nisab, he is exempt from paying Zakat.

Why is Nisab Important?

Nisab has its particular value in Zakat. It ensures that only financially stable Muslims can pay Zakat. Islam does not burden poor or struggling people. This is the Nisab that makes the process of paying Zakat fair and balanced. It is said that whoever possesses wealth equal to or above the nisab needs to pay a 2.5% as Zakat from their total wealth.

What is the Nisab Amount?

The Nisab amount can be based on either gold or silver. Islam declares the following Nisab to pay Zakat annually:

1. Nisab for Gold: 7.5 tola or 87.48 grams
2. Nisab for Silver: 52.5 tola or 612.36 grams

A Step-by-Step Guide to Calculate Nisab?

Follow the given simple steps to understand exactly how to calculate Nisab:

Step 1: Current Value of Gold and Silver

First of all, you need to find out the current value of gold and silver. For this purpose, you can check:

1. Local gold market
2. Reliable online resource - financial websites
3. Zakat organizations

Step 2: Calculate Gold Nisab

Follow the given simple formula to calculate gold nisab:

Gold Nisab = 87.48 grams (7.5 tola) x current price of 1 gram gold

Example to calculate Nisab on Gold:

If 1 gram of gold is = 43,682 estimated

Gold Nisab = 87.48 x 43,682 = 3821301.36

Step 3: Calculate Silver Nisab

Follow the given simple formula to calculate silver nisab:

Silver Nisab = 612.36 grams (52.5 tola) x current price of 1 gram silver

Examples to calculate Nisab on Silver:

If 1 gram of silver is = 904.5 estimated

Silver Nisab = 612.36 x 904.5 = 553879.62

Note: The given values are the estimated prices for 1 gram of gold and silver (in 2026) to understand the Nisab or Zakat value to pay in Pakistan. To calculate the exact amount, you need to verify the current value of gold and silver in your local market.

Mistakes to Avoid During Calculating Nisab?

Sometimes, people make little mistakes. Remember that calculating accurate nisab is necessary, as ignorance may lead to a sinful act. Here are common mistakes to avoid while calculating nisab:

1. Ensure you are using the current or updated prices of gold and silver.
2. Do not ignore small savings. You must count even small digital balances if you have any
3. Do not forget to include business stocks if you have any. Remember that trade goods are counted as Zakat assets.
4. Do not mix personal assets with Zakat assets. Remember that your house, car, furniture, and clothes are not Zakatable assets.
5. Do not wait for Ramadan to calculate nisab and pay Zakat. Islam allows eligible Muslims to pay Zakat throughout the lunar/Islamic year.

If you have any other doubts regarding Nisab and Zakat, you must clear all of your doubts before paying Zakat. Keep in mind that not paying or underpaying Zakat may lead to serious sins.

What is Zakat, and its Key Importance?

Zakat is a mandatory form of charity that every eligible Muslim is required to pay in a full lunar or Islamic year. As we have discussed, the Nisab is based on gold and silver, so we need to discuss the key importance of paying Zakat.

If you have calculated the Nisab and found yourself eligible to pay Zakat, you must know who really deserves Zakat. Allah (SWT) mentioned 8 types of people whom you can offer Zakat at any time of the lunar year. These 8 categories include Al Fuqarah, Al Masakin, who converted to Islam, who need to repay their debts, who are in slavery, who are stranded travelers, who collect and distribute Zakat, and who struggle in the way of Allah.

When it comes to talking about Fuqarah and Masakin, many people ask if they can give Zakat to their relatives or family members. Keep in mind that Islam allows us to pay Zakat to our relatives. However, there are certain conditions. For example, Zakat is not applicable for our immediate relatives, including spouse, children, parents, and grandparents. However, you can give Zakat to your brother, sister, aunt, uncle, cousins, etc.

Online Calculator to Find Nisab and Zakat

If you have found the Nisab but are confused about how to calculate Zakat? Your concern is valid, and everyone must take care of it, as making mistakes can make you a sinner.

At Sundas Foundation, we have developed an Online Zakat Calculator that can help you find the accurate amount of payable Zakat on the calculated Nisab. This calculator is reliable enough that it helps you find Zakat based on available gold, silver, cash, or trade goods. In case you have any debt to repay, it helps you add liabilities and then find the exact payable Zakat amount.

Give Your Donations in Ramadan 2026

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Frequently Asked Questions

What if my wealth fluctuates?

Fluctuating wealth is not a big deal. If you have savings or an amount equal to or above the calculated Nisab for a lunar year, you need to pay Zakat.

Do I pay Zakat on salary?

Whether you are a salaried person or a business professional, if your wealth surpasses the set criteria or Zakat Nisab for a lunar or Islamic calendar, you are subject to pay Zakat.

What if I have a mix of wealth, including gold and cash?

If you have a mix of wealth, including gold, silver, cash, and other assets, then add everything together and find if your wealth crosses the Nisab or not. If yes, then you must pay 2.5% of your total wealth as Zakat.

What assets are Zakatable?

If you possess gold and silver, including daily wear jewelry, they are Zakatable assets. Other precious metals are not applicable for Zakat unless they are used for the purpose of trade. Besides gold and silver, Zakat applies to cash in the home, savings, bonds, shares, money lent to others, savings certificates, investments, and any goods you bought for trade.

What assets are not counted as Zakatable?

Zakat is not payable on your personal belongings, such as a car, house, clothes, furniture, and any other goods that are not purchased for trade.