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Zakat is one of the five pillars of Islam — an annual obligation for every Muslim whose wealth exceeds the nisab threshold for a full lunar year. The rate is a flat 2.5% of qualifying wealth. This calculator tells you exactly how much zakat is due on your savings and assets, so you can fulfil the obligation confidently and without guesswork.

Qualifying wealth typically includes cash in bank accounts and at home, gold and silver (including jewellery held as an investment), business inventory and trade goods, and money owed to you that you expect to receive. Personal-use items — your home, car, household furniture and everyday clothes — are generally not subject to zakat, even if valuable.

The nisab threshold is the minimum amount of wealth that triggers zakat, usually anchored to the value of 87.48 grams of gold or 612.36 grams of silver. Because gold prices have risen sharply in Pakistan, many scholars also permit using the silver nisab, which is far lower and obligates more people. Check with a trusted scholar or institution for the nisab value in the current year and calculate zakat if your total qualifying wealth is above it.

Zakat is due on wealth held for one complete lunar (Hijri) year, so if you are calculating partway through the year, you would apply the 2.5% to wealth that has already completed the year. Many people choose to pay zakat during Ramadan, but it can be paid at any time once the year's obligation is established.

This calculator applies the 2.5% rate to whatever eligible wealth you enter. It also shows the remaining wealth after zakat. Remember that gold jewellery held for personal adornment is treated differently by different schools of thought — some consider it zakatable, others do not — so include it only according to the ruling you follow.

The currency converter is one of the most-used tools on GuruAlpha because exchange rates touch every Pakistani who sends remittances, pays tuition abroad, travels, imports goods or shops on international websites. It converts between the US Dollar, Pakistani Rupee, Euro, British Pound, Saudi Riyal and UAE Dirham using live interbank rates from our market feed.

The rates used here are interbank reference rates — the mid-market rate at which banks trade with each other. When you actually exchange money at a bank, exchange company or airport counter, you will be quoted a buy rate and a sell rate, and the spread between them is how the exchanger earns. So the converter gives you the fair value; the final rate you get depends on where you exchange.

For overseas Pakistanis, the relevant question is often the reverse: how many rupees will my dollars, pounds, riyals or dirhams buy? Because these currencies are among the most-remitted into Pakistan — from Saudi Arabia, the UAE, the UK and the US — the converter covers exactly the pairs that matter, showing both the unit rate and the converted amount in one glance.

Exchange rates move throughout the day in response to trade balances, interest rates, political news and central bank policy. The USD/PKR rate, in particular, has been shaped in recent years by the State Bank of Pakistan's management of foreign exchange reserves, IMF programmes and remittance flows. Because our feed refreshes regularly, the number you see here is a current snapshot rather than a stale reference.

Use the converter both ways — rupee to foreign currency for planning an international payment, and foreign currency to rupees for valuing remittances or overseas income. The unit-rate row (1 USD = x PKR) also tells you the direction of the currency: a rising number means the rupee is weakening against the dollar.