Zakat on gold calculator: nisab check in grams and tola

The nisab line and the 2.5 percent rate

Zakat on gold falls due when a person's gold reaches the nisab of 87.48 grams, which is 7.5 tola, and one lunar year (hawl) passes over that wealth. The rate is 2.5 percent of the gold's total value, paid in money, or 2.5 percent of the weight, paid in gold. Below 87.48 grams, gold on its own carries no zakat, and the calculator above states that result plainly rather than dressing it as a small amount.

This page presents the mainstream Hanafi position, the school most readers in Pakistan and India follow: nisab for gold is 87.48 grams, the rate is one fortieth, and zakat is assessed on the full holding once the threshold is met. Where scholars in other schools take a different position, the sections below name the difference and attribute it. No page on this site issues a fatwa, and no calculator result settles a question of fiqh. Take your personal ruling to a qualified scholar of your own school.

The State Bank of Pakistan announces bank zakat deduction each year under the official framework, and the Ministry of Poverty Alleviation and Social Safety publishes the rupee nisab before Ramadan. Those official anchors set the numbers this tool uses: 87.48 grams for gold, 612.36 grams for silver, and 2.5 percent as the rate.

Nisab reference table

The table below states the thresholds and the rate exactly as the calculator applies them, so a reader can audit the tool against the reference without leaving the page.

Holdings cluster closer to the line than most owners expect. Five tola looks substantial in the hand and still sits almost thirty grams below nisab, while a single additional 2.5 tola set carries a 7.5 tola holding from below the line to exactly on it. The weight, not the appearance, decides.

Tola to grams conversion table

Pakistani jewellers weigh in tola and the nisab stands in grams, so the table below converts tola to grams from one tola to twenty tola at the standard rate of 11.6638 grams per tola.

Convert once, at full precision, and only then compare against nisab. Rounding a tola figure before conversion understates every large holding in the same direction, and one of the linked articles prices that single habit across a full family holding.

Two holdings worked in full

A holding of 100 grams, priced at an example Rs 28,000 per gram, is worth Rs 28,00,000. The weight stands above the 87.48 gram nisab line, so zakat applies at 2.5 percent: Rs 70,000 in money, or 2.5 grams of gold. The price here is an editable example, because the honest price is the market rate of the day you pay, and the calculator's price field exists for that substitution.

A holding of 50 grams at the same price is worth Rs 14,00,000, and its zakat on gold alone is Rs 0. The weight sits 37.48 grams below nisab, and no zakat falls on gold that never reaches the line. The answer is not the end of the owner's obligation, though: cash and silver in the same hands are tested together against the silver nisab, and the mixed-assets guide below works that full test.

A holding weighed by a jeweller as 10 tola converts to 116.638 grams. At a price of Rs 320,000 per tola the value is Rs 32,00,000, the weight clears nisab, and the zakat due is Rs 80,000. The tola-first path matters because most families receive the weight in tola and the price in tola, while every nisab reference prints grams, and each manual conversion between the two is a fresh chance to drop a digit.

Why the same gold gives different answers in different weeks

Zakat is a percentage of value, and gold's value moves. Two families holding identical gold in different weeks of the same Ramadan can owe honestly different amounts, each correct on the day it was calculated. The chart pattern below states the shape of that movement: one candle per month across the twelve months leading into Ramadan, each candle carrying the month's opening, high, low, and closing price per gram in rupees.

The candles above plot the worked-example rate path this page uses, month by month, so the arithmetic claim is checkable on the page itself: a holding calculated at the first month's close and the same holding at the last month's close differ by the price movement alone. On the live page the same chart carries monthly candles from Pakistan Mercantile Exchange published prices or Karachi sarafa rates as reported by a named national newspaper, with the source and the month range printed beside it. The lesson survives any dataset: record the rate and the date beside your calculation, because next year's sheet will need both to explain this year's figure.

Where scholars differ, and where this page stops

Gold jewellery worn daily is the difference readers meet most. Under the Hanafi position, jewellery above nisab carries zakat like any other gold. Scholars of other schools hold that jewellery kept for personal use stands outside the test. This page follows the Hanafi position in its worked examples, attributes the other position wherever the topic appears, and closes the question the same way every time: your own scholar, who knows your school and your circumstances, gives the ruling for your house.

Ownership is tested person by person. A wife's gold and a mother's gold are separate holdings even in one drawer, and adding them together can create an obligation neither woman carries alone, or conceal one that a single owner does carry. Run the calculator once per owner, with that owner's full weight, and bring disputed or shared ownership to a scholar rather than to a spreadsheet.

The hawl condition sits outside the widget's sight. The tool cannot know when your wealth first reached nisab, so the result assumes one lunar year has passed over the holding. The hawl article below traces the dates for a mid-year purchase and a wedding gift, the two cases families ask about most.

Why I built this calculator

A few days before Ramadan, my mother asked me to work out the zakat on her gold bangles and a small set she keeps aside. The family jeweller had weighed everything in tola. Every calculator I opened asked for grams and a price per gram, and one of them quietly applied the silver nisab to a gold-only holding, an error with a calm face and a wrong answer.

I finished the calculation on paper at the kitchen table, my mother reading the weights aloud while I converted and multiplied. The answer was right and the process was fragile: one tired conversion, one borrowed price from the wrong day, and the figure would have moved by thousands of rupees without anyone noticing.

I built this version for her hands first. Tola goes in as tola. The price field waits for the day's rate instead of pretending last month's rate is a fact. A second row takes the coins and the set kept aside, so the whole holding meets the nisab line together, exactly as the obligation meets it. And when the weight falls short, the tool says so in plain words and points at the mixed-asset test, because a small gold holding beside real savings is the most common case in my family, not an edge case.

Same gold, same day, three prices: that is the lesson I took from the bazaar, and my rule now is to take the market rate of the day I pay and write the date beside it. The rule came from one afternoon of telephoning jewellers in Multan, whose quotes differed enough to move my mother's zakat by thousands of rupees. The disagreement was not dishonesty; it was buying rates, selling rates, and online rates answering three different questions. The date beside the rate is what turns a screenshot into a record.

More guides on zakat and gold

• Who pays zakat on gold and who does not: the nisab test in plain words
• Tola, grams and the 7.5 tola line: checking your gold weight at home
• Which gold price should you use on the day you calculate zakat
• Zakat on gold jewellery you wear every day: what mainstream scholars say
• Gold plus cash plus silver: zakat when your assets are mixed
• One lunar year on your gold: how the hawl rule works with dates
• Zakat on gold coins, bars and the ten tola bar in a locker
• What if your gold is below nisab but your cash is not
• A Ramadan worksheet: every asset on one page, in one sitting
• Three answers for the same gold: the zakat mistakes that change the amount

Weights given in tola convert on the tola to grams converter, and family totals that land in lakh read clearly with the lakh to million converter.