How is zakat calculated on gold in Pakistan?

Weigh your gold in grams, multiply by the current per-gram market rate to get its value, check it meets the 87.48g nisab, then pay 2.5% of the value. Formula: weight (g) × rate per gram × 0.025.

Is zakat due on 1 tola of gold?

Not on its own. One tola is 11.66 grams, far below the 87.48g (7.5 tola) gold nisab. But gold is pooled with your cash, silver and other zakatable assets — if the combined total crosses the nisab, zakat is due on everything.

Do I use the 22K or 24K gold rate for zakat?

Use the rate matching your jewellery's purity. For 22K jewellery, either value it at the 22K market rate, or convert the weight to 24K-equivalent (multiply by 22/24) and use the 24K rate. Both give the same answer.

Is zakat on gold 2.5% of its weight or its value?

2.5% of its current market value in rupees, not its weight. Convert grams to rupees first using today's rate, then take 2.5%.

What if my gold is below nisab but I also have cash savings?

Add them together. Zakat assets are pooled — gold value plus cash, bank balances, silver and trade goods — and the total is compared against the nisab (87.48g gold or 612.36g silver). If the total crosses it, 2.5% is due on the whole amount.

How to Calculate Zakat on Gold in Pakistan (2026)

The formula is simple — 2.5% of your gold's current market value — but the details (tola-to-gram conversion, 22K vs 24K purity, the nisab check) trip people up. Here is the full step-by-step with worked examples.

The formula in one line

Zakat = weight in grams × current rate per gram × 2.5%

That is the whole calculation. Everything below is about getting the three inputs right: the weight, the rate, and whether zakat is due at all (the nisab check).

Doing this for all your assets at once? Our free zakat calculator totals your gold, silver, cash and business assets against the nisab in one go.

Step 1 — Weigh your gold in grams

In Pakistan, gold is usually weighed in tolas. Convert to grams first:

Tolas	Grams
1 tola	11.66 g
5 tola	58.30 g
7.5 tola (= nisab)	87.48 g
10 tola	116.60 g

Count all gold you own — jewellery you wear daily, jewellery kept in a locker, coins and bars. In the Hanafi school followed by most Pakistanis, even regularly worn jewellery counts toward zakat.

Step 2 — Find today's gold rate per gram

Gold rates change daily, so always use the rate on (or near) your zakat date — never a months-old figure. Jewellers quote per tola; divide by 11.66 to get the per-gram rate. Use the rate matching your gold's purity (more on 22K vs 24K below).

All rupee figures in this guide use an illustrative 24K rate of Rs 37,400/gram and are approximate — re-check the live rate on your own zakat date.

Step 3 — Check the nisab, then take 2.5%

Zakat on gold is only due if your total zakatable wealth reaches the nisab: 87.48 grams of gold (7.5 tola), held for one lunar year. Read our zakat nisab 2026 guide for the full threshold explanation. If you clear it, pay 2.5% of the gold's market value.

Worked examples

Example 1 — 1 tola of gold jewellery (and nothing else)

Weight: 1 tola = 11.66 g
Value: 11.66 × Rs 37,400 ≈ Rs 436,084
Nisab check: 11.66g is far below 87.48g → no zakat due on this alone.

But remember: if you also hold cash or silver, pool everything together — the combined total may cross the nisab even when the gold alone does not.

Example 2 — 10 tola of gold

Weight: 10 tola = 116.60 g
Value: 116.60 × Rs 37,400 ≈ Rs 4,360,840
Nisab check: 116.60g > 87.48g → zakat due.
Zakat: 2.5% × 4,360,840 = Rs 109,021

Example 3 — 22K jewellery (purity adjustment)

Most Pakistani jewellery is 22K, not pure 24K. Two equivalent ways to handle it:

Method A: value it directly at the 22K market rate per gram.
Method B: convert the weight to 24K-equivalent — multiply by 22/24 — then use the 24K rate.

Example: 60g of 22K jewellery → 60 × 22/24 = 55g of pure gold → 55 × Rs 37,400 = Rs 2,057,000 → zakat = Rs 51,425. Using the 22K rate directly on 60g gives the same answer.

Common mistakes to avoid

Using 2.5% of the weight. Zakat is 2.5% of the value — convert to rupees first.
Ignoring the nisab. Small amounts of gold with no other assets may owe nothing — always check 87.48g first.
Testing gold alone. Gold, cash, silver and trade goods are pooled and tested together against the nisab.
Using an old gold rate. Rates move daily; a rate from three months ago can throw your calculation off significantly.
Forgetting purity. Valuing 22K jewellery at the 24K rate overstates what you owe.

When in doubt between scholarly positions (gold vs silver nisab, jewellery in regular use), ask a scholar you trust. This guide covers the calculation mechanics, not religious rulings.

Key takeaways

Formula: grams × rate per gram × 2.5% — with 1 tola = 11.66g.
Zakat is due only if total zakatable wealth reaches the 87.48g nisab for a lunar year.
Adjust for purity: 22K jewellery ≠ 24K rate.
Gold rates move daily — all PKR figures here are approximate; re-check on your zakat date.