Zakat Calculator (2.5%)

Zakat Kya Hai Aur Kiski Farz Hai?

Zakat Islam ka teeswa farz (pillar) hai aur har musalman par farz hai jo nisab ke malik ho. Nisab woh minimum wealth level hai jis par zakat farz hoti hai — yeh 87.48 gram gold ya 612.36 gram silver ke value ke barabar hota hai. Pakistan mein gold nisab approximately PKR 6,15,000 hai (gold rate ke mutabiq) aur silver nisab approximately PKR 1,08,000-3,12,000 hai. Aap dono mein se koi bhi use kar sakte hain, lekin scholars silver nisab ko recommend karte hain kyunke is se zyada log zakat adaa karte hain aur faqiron ki madad behtar hoti hai.

Zakat ki amount total zakatable wealth ka 2.5% (one-fortieth) hoti hai. Zakatable wealth mein cash, bank balance, gold, silver, investments (stocks, mutual funds, bonds), business inventory, aur receivable loans shamil hain. Personal use ki property (jaise aap ka ghar, gaari, furniture) par zakat nahi lagti. Investment property par zakat rental income par lagta hai (year ka 2.5%), total value par nahi.

Zakat Kab Farz Hoti Hai?

Zakat farz karne ke liye 3 conditions hain:

• Muslim ho: Zakat sirf Muslims par farz hai.
• Baaligh ho: Puberty ki age ke baad zakat farz hoti hai.
• Nisab ke malik ho: Ek lunar year (354 days) se zyada time ke liye nisab ke level par wealth ho.

Aqeedah yeh hai ke wealth ek poori lunar year se zyada nisab par ho. Agar beech mein wealth nisab se neeche chali jaaye phir wapas aaye, to naya year shuru hoga.

Kis Kis Par Zakat Lagti Hai?

• Cash: Ghar mein rakha cash aur bank balance (current aur savings dono)
• Gold aur Silver: Personal use ho ya investment, sab par zakat lagti hai (Hanafi fiqh ke mutabiq)
• Investments: Stocks, mutual funds, bonds, sukuk — current market value par
• Business inventory: Sale ke liye rakha hua maal
• Receivable loans: Jo aap ne udhaar diye hain aur wapas milne ki umeed hai
• Rental income: Save ki hui rental income par (consumed ki to nahi)
• Agricultural produce: 5% (rain-fed) ya 10% (irrigated) — Ushr

Kis Kis Par Zakat Nahi Lagti?

• Personal use ki property (ghar, gaari, furniture, appliances)
• Salary ya wages jo daily/monthly kharch ho jaate hain
• Tools aur equipment jo aap ke kaam mein use hote hain
• Haraam income (sood, gambling, etc.) — yeh pehle se hi haram hai
• Waqf property
• Family ke kisi member ka debt jo aap ne udhaar diya, lekin wapas ki umeed nahi

Zakat Kisko Mil Sakta Hai?

Quran (Surah At-Tawbah 9:60) mein 8 categories batayi gayi hain jinko zakat mil sakta hai:

1. Fuqara: Ghareeb log jo apni basic needs poori nahi kar sakte
2. Masakeen: Bohat gareeb log, jo bilkul flat broke hain
3. Zakat collectors: Jo zakat collect karne ka kaam karte hain
4. Recent converts: Naye Muslims jo financial support ke mohtaaj hain
5. Slaves: Apni azadi khareedne ke liye
6. Debtors: Jo karz mein doobe hain aur chuka nahi kar sakte
7. Fi sabilillah: Allah ki raah mein (travelers, students, mujahideen)
8. Ibn al-sabil: Musafir jinka paisa khatam ho gaya ho

Gold aur Silver Ka Zakat Kaise Calculate Karein?

Gold aur silver ka zakat in ki total value par 2.5% hota hai. Pehle total gold/silver ka weight maloom karein (grams mein), phir current market rate se value calculate karein. Pakistan mein gold rate per tola (11.66g) daily news aur jewellers websites par available hota hai. Example: agar aap ke paas 5 tola gold hai aur rate Rs 2,40,000/tola hai, to total value = 5 × 2,40,000 = Rs 12,00,000. Zakat = 2.5% × 12,00,000 = Rs 30,000.

Note: Gold jewellery mein making charges shamil hote hain market value mein, lekin zakat sirf gold content par lagti hai, making charges par nahi. Practical purposes ke liye full market value par zakat de dein.

Annual Zakat Date Kaise Set Karein?

Har insaan ka apna zakat year hota hai. Aam taur par log Ramadan mein zakat nikalte hain kyunke is maheene ke aamaal ki bounty zyada hoti hai. Lekin zaroori nahi — aap ne jab bhi nisab par wealth hui thi, us din se 1 lunar year baad zakat nikalni hai. Date note kar lein aur har saal us date par calculate karein.