A Simple Guide to Calculating Zakat in Pakistan
Zakat is a fundamental pillar of Islam, requiring eligible Muslims to donate 2.5% of their qualifying wealth to the needy. While the concept is simple, calculating the exact amount can be confusing. This guide simplifies the process for you.
Step 1: Understand 'Nisab'
Before you can pay Zakat, your wealth must reach a minimum threshold called the 'Nisab'. The Nisab can be calculated based on the market value of either 87.48 grams of gold or 612.36 grams of silver. If your total wealth for one full Islamic year exceeds this value, Zakat is due.
Step 2: List Your Zakatable Assets
Your Zakatable assets are the things you own that are subject to Zakat. These include:
- Cash (in hand, in bank accounts)
- Value of Gold and Silver you own
- Value of stocks, shares, or other investments
- Rental income from properties
Step 3: Deduct Your Liabilities
From your total assets, you should subtract your immediate debts and liabilities (money you owe to others). The remaining amount is your net Zakatable wealth.
Step 4: Calculate with Our Easy Tool
Manually calculating all this can be a hassle. Our free online Zakat calculator does all the hard work for you.
Click here to use the Asaan Tools Pro Zakat Calculator.
Zakat Calculate Karte Waqt Aam Ghaltiyan
Zakat ka formula asaan hai (qabil-e-zakat maal ka 2.5%), lekin amal mein log kuch cheezon mein ghalti kar dete hain. In baton ka khayal rakhein:
- Nisab ka saal: Zakat tab farz hoti hai jab aapka maal nisab (52.5 tola chandi ya 7.5 tola sona ke barabar) tak pohanch kar ek qamari saal guzar jaye. Calendar saal nahi, Islamic (qamari) saal dekha jata hai.
- Qarz minus karein: Jo qarz aap ne wapis karna hai, wo total maal se minus hota hai. Zakat sirf bache hue maal par lagti hai.
- Sone ka hisab: Zewar ka sirf sona nahi, uska wazan (tola/gram) aur karat dekh kar maujooda market rate se value nikalein, making charges shamil na karein.
- Business stock: Dukan ya online business ka maal us ki bikri ki qeemat par count hota hai, kharid ki qeemat par nahi.
- Pichli zakat: Agar pichle saal ki zakat reh gayi hai to wo qarz ki tarah hai, pehle wo ada karein.
Ek Misaali Hisab (Sirf Samajhne Ke Liye)
Farz karein ek shakhs ke paas qamari saal ke aakhir mein ye maal hai: cash aur bank mein Rs. 400,000, sone ka zewar jis ki value Rs. 600,000 hai, aur dosron se wapis milne wali pakki raqam Rs. 100,000. Us par Rs. 150,000 ka qarz hai.
Total maal = 400,000 + 600,000 + 100,000 = Rs. 1,100,000. Qarz minus karne ke baad = Rs. 950,000. Zakat = 950,000 × 2.5% = Rs. 23,750. Ye figures sirf misaal ke liye hain, apni asal raqam aur maujooda nisab check kar ke hisab karein.
Apna hisab foran nikalne ke liye hamara Zakat Calculator istemal karein, aur sone ke rate ke liye Tola Gold Calculator dekhein. Mas'alay mein shak ho to kisi mustanad aalim se mashwara zaroor lein.