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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.

An EMI (Equated Monthly Instalment) is the fixed amount you pay a bank or lender every month until your loan is fully repaid. It is the single most important number to know before signing any home, car, bike, or personal loan agreement in Pakistan, because it determines how much of your monthly income goes to debt and for how long. This EMI calculator lets you see that figure instantly for any loan amount, interest rate and tenure.

The calculation follows the standard reducing-balance amortisation formula used by State Bank of Pakistan-regulated banks and non-bank finance companies. Interest is charged on the outstanding principal, not the original amount, which means early payments go mostly toward interest and later payments mostly toward principal. Understanding this is why comparing EMIs across banks can save you hundreds of thousands of rupees over a 10-year home loan.

When Pakistani banks quote a home finance rate, they usually offer KIBOR-based pricing — for example 'KIBOR + 3%'. The effective annual rate you enter should be the full percentage you will actually pay, not just the spread. Use your bank's stated effective rate, or the advertised rate for a car or personal loan, to get a realistic EMI figure rather than an optimistic one.

Use this calculator to experiment before you negotiate: increase the down payment to shrink the principal, lengthen the tenure to lower the monthly EMI (at the cost of more total interest), or shop between banks to find the lowest rate. A rule of thumb is that your total monthly debt payments should not exceed roughly 40–50% of your take-home income, so check your EMI against that before committing.

The results show your monthly EMI, the total amount you will repay (principal plus interest), and the total interest component. Keep these numbers when comparing bank offers — they reveal that a slightly higher rate over a long tenure costs far more than a small difference in the monthly figure suggests.