What Is Zakat Nisab in 2026? Gold, Silver Rates and Calculation

Nisab is the minimum amount of wealth that makes Zakat obligatory, and it changes every year because it is based on the price of gold and silver. In 2026, the gold nisab and the silver nisab are very different in rupees, and that difference decides who must pay Zakat and who does not. If you use the wrong nisab, you may pay Zakat when you do not owe it, or miss it when you do.

This guide explains what nisab is, the gold and silver nisab for 2026 in grams and in rupees, and how to work out whether you owe Zakat step by step. It also explains why most scholars in Pakistan use the silver nisab, and what to do if your wealth is near the limit. The free Zakat Calculator on this site does the same calculation in seconds, with no signup and no login.

What Is the Zakat Calculator?

Nisab is a fixed amount of gold or silver set by Islamic law. The gold nisab is 87.48 grams of gold, which is about 7.5 tolas. The silver nisab is 612.36 grams of silver, which is about 52.5 tolas. If your zakatable wealth — cash, bank money, gold, silver and business goods — is equal to or more than the nisab, and you have owned it for one lunar year, Zakat is obligatory on the whole amount at 2.5 percent.

Because gold is much more expensive than silver, the gold nisab in rupees is much higher than the silver nisab. In 2026, the gold nisab is often around Rs 1,700,000 to Rs 2,000,000, while the silver nisab is often around Rs 150,000 to Rs 250,000. That is a huge difference: a person with Rs 500,000 of savings is below the gold nisab but well above the silver nisab, so whether they owe Zakat depends on which nisab is used.

The Nisab Formulas for 2026

Gold nisab = 87.48 g × gold price per gram | Silver nisab = 612.36 g × silver price per gram

To work out the nisab in rupees, multiply the grams by the current price per gram. If gold is Rs 22,000 per gram, the gold nisab is 87.48 times 22,000, which is about Rs 1,925,000. If silver is Rs 300 per gram, the silver nisab is 612.36 times 300, which is about Rs 184,000. Check the price on the day you calculate Zakat, because gold and silver prices move every day, and the nisab moves with them.

Most scholars in Pakistan recommend using the silver nisab, because it is lower, so more people pay Zakat, and more poor people receive help. Some scholars say either nisab can be used. If you are unsure, ask a scholar you trust, and be consistent: use the same nisab every year, so your Zakat date and your calculation stay clear.

How to Use the Zakat Calculator — Step by Step

Follow these five steps one by one. Each step builds on the last one, so do them in order and check your answer at the end.

Step 1 — Check today's gold and silver prices

Look up the current price of gold and silver per gram in Pakistan, from a jeweller or a reliable website. Write both prices down, because you need them for the next step. Prices change daily, so use today's price, not last month's price.

Step 2 — Work out the gold nisab in rupees

Multiply 87.48 by the gold price per gram. If gold is Rs 22,000 per gram, the gold nisab is about Rs 1,925,000. Write this number down and label it clearly as the gold nisab, so you do not mix it with the silver nisab.

Step 3 — Work out the silver nisab in rupees

Multiply 612.36 by the silver price per gram. If silver is Rs 300 per gram, the silver nisab is about Rs 184,000. This is the number most scholars in Pakistan use, because it is lower and helps more people.

Step 4 — Add up your zakatable wealth

Add your cash, your bank money, the value of your gold and silver at today's prices, and the value of any business goods you hold to sell. Then subtract any debts that are due now. The result is your net zakatable wealth, and it is the number you compare with the nisab.

Step 5 — Compare with the nisab and calculate Zakat

If your wealth is below the nisab, you owe nothing. If it is equal to or above the nisab, multiply it by 0.025 to get your Zakat. For example, wealth of Rs 1,000,000 gives Zakat of Rs 25,000. Check the answer with the free Zakat Calculator on this site, and pay the Zakat as soon as you can.

Worked Example

In 2026, gold is Rs 22,000 per gram and silver is Rs 300 per gram. The gold nisab is 87.48 times 22,000, which is about Rs 1,925,000. The silver nisab is 612.36 times 300, which is about Rs 184,000. Sana has Rs 400,000 in savings and gold worth Rs 300,000, so her total wealth is Rs 700,000. She is below the gold nisab, but well above the silver nisab. Using the silver nisab, which most scholars in Pakistan recommend, she owes Zakat of 2.5 percent of Rs 700,000, which is Rs 17,500. If she used the gold nisab, she would owe nothing — which shows why the choice of nisab matters so much.

Common Mistakes to Avoid

Mistake: Using last year's nisab. Gold and silver prices change every year, so a nisab from last year can be wrong by hundreds of thousands of rupees. Always work it out fresh on your Zakat date.

Mistake: Using the price you paid for gold. Gold must be valued at today's market price, not at the price you paid years ago, because Zakat is on the current value of your wealth.

Mistake: Forgetting the silver nisab. Many people only know the gold nisab, which is much higher, and they wrongly think they owe nothing, when the silver nisab says they do.

Mistake: Counting wealth that is not zakatable. Your house, your car and your clothes do not count, so including them inflates your wealth and makes you pay Zakat you do not owe.

Frequently Asked Questions

What is the nisab for Zakat in 2026? The nisab is 87.48 grams of gold or 612.36 grams of silver. In rupees it depends on the current price of gold and silver, so check the rate on your Zakat date. In 2026 the gold nisab is often around Rs 1,900,000 and the silver nisab around Rs 180,000.

Should I use the gold or silver nisab? Most scholars in Pakistan recommend the silver nisab, because it is lower, so more people pay Zakat and more poor people are helped. Some scholars allow either. Ask a scholar you trust and use the same one every year.

What is a tola in grams? One tola is about 11.66 grams. So the gold nisab of 87.48 grams is about 7.5 tolas, and the silver nisab of 612.36 grams is about 52.5 tolas. Jewellers in Pakistan usually quote prices per tola, so you may need to convert.

Do I pay Zakat if my wealth is exactly at the nisab? Yes. If your wealth is equal to the nisab, Zakat is obligatory, and you pay 2.5 percent on the whole amount, not just on the part above the nisab. If it is even one rupee below, you owe nothing.

Why Use SmartToolkit for This?

You now know what nisab is, the gold and silver nisab for 2026, and how to work out whether you owe Zakat. Check the gold and silver prices on your Zakat date every year, and use the same nisab each time. Use the free Zakat Calculator on this site to check your figure in seconds — it works in your browser, needs no signup and no login, and your financial details never leave your device.

Use the Zakat Calculator — free, no signup, no login, and your data never leaves your browser.