Compulsory Zakat

    Zakat Calculator Pakistan

    Compute your 2.5% compulsory Zakat on saving accounts and securities against the State Bank's Ramadan nisab. Backed by the Zakat & Ushr Ordinance 1980 and deductible under Section 60 of the Income Tax Ordinance 2001.

    Rate: 2.5% of qualifying balanceValuation date: 1st RamadanForm CZ-50 to opt outSection 60 income-tax deductible
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    Compulsory Zakat at 2.5% on Zakat valuation date balance.

    Rs 1,500,000
    05 M10 M15 M20 M25 M
    Tax base

    Rs 1,500,000

    Department tax

    Rs 37,500

    After tax value

    Rs 1,462,500

    Effective 2.5%

    By department

    Selected department estimate

    Tax Year 2026

    Compulsory Zakat

    2.5% on saving accounts/securities balance

    Rs 37,500

    Source: Zakat & Ushr Ordinance 1980

    Assumption: Compulsory 2.5% deduction on saving account / securities balance.

    Sources & Act reference

    Statutory citations and modelling notes

    Compulsory Zakat

    Zakat & Ushr Ordinance 1980

    Compulsory 2.5% deduction on saving account / securities balance.

    Rule trace

    Applied rule and official references

    Applied rule id: legacy-zakat-punjab-2026

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    Smart insight

    Estimated Compulsory Zakat for Tax Year 2026 is Rs 37,500.

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    Zakat FAQ

    Common Zakat questions

    What is the Zakat rate in Pakistan?+

    Compulsory Zakat is deducted at 2.5% of the saving account or qualifying security balance on the Zakat valuation date (1st Ramadan), under the Zakat & Ushr Ordinance 1980.

    On which accounts is Zakat deducted automatically?+

    Profit-and-loss sharing (PLS) saving accounts and certain government securities held by Sunni Muslims. Current accounts, foreign currency accounts and accounts held by non-Muslims or declared exempt (CZ-50) are excluded.

    How do I avoid compulsory bank Zakat deduction?+

    File a Form CZ-50 declaration with your bank before the Zakat valuation date — based on Fiqh-e-Jafria, exemption, or other valid grounds. You then pay Zakat directly to eligible recipients yourself.

    When is the Zakat valuation date?+

    1st Ramadan each Hijri year. The State Bank announces the exact Gregorian date and the nisab threshold (linked to 612.32g of silver) before deductions begin.

    Is paid Zakat tax deductible in Pakistan?+

    Yes. Zakat paid under the Zakat & Ushr Ordinance 1980 is a straight deduction from taxable income under Section 60 of the Income Tax Ordinance 2001.

    What is the nisab threshold for Zakat?+

    Nisab is the minimum holding required before Zakat applies — equivalent to 87.48g of gold or 612.32g of silver. The State Bank publishes the cash-equivalent nisab each Ramadan.