Hanafi Madhab · Silver Nisab · All Asset Types · 2026
Hanafi Zakat Calculator
2026 — Silver Nisab
The Hanafi madhab governs the Zakat practice of the majority of Muslims globally — from South Asia to Central Asia to much of the Arab world. Its defining feature: silver Nisab, which sets a lower, more inclusive threshold. This calculator applies authentic Hanafi principles to every asset type — cash, gold, silver, trade goods, salary and rental income — so you can fulfil your obligation with confidence.
🥈 Silver Nisab Standard
💰 Cash & Gold Covered
🏡 Rental Income
🌍 8 Currencies
🕌 Hanafi Zakat — Key Principles
Verified
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Silver Nisab (612.36g)
Hanafi madhab uses silver as the primary standard — lower, more inclusive threshold than gold Nisab.
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Gold Jewellery is Zakatable
Unlike other madhabs, Hanafi holds all personal gold jewellery above Nisab is subject to Zakat.
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Single Annual Hawl Date
Zakat on all wealth assessed together on one Hawl date — not per-income or per-asset.
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Immediate Debt Deduction
Debts due within 12 months reduce zakatable wealth. Full outstanding balances are not deductible.
🥈 Hanafi Silver Nisab (PKR)PKR 4,45,253
🎓 Hanafi Scholar-Verified
🥈 Silver Nisab Used
💍 Jewellery Zakat Included
🔒 No Data Stored
🚫 No Donation Pressure
🕌 Hanafi Zakat Calculator
Silver Nisab · All asset categories · Hawl-based calculation
Hanafi Verified
🌍 Currency
📅 Hawl Status
💰Hanafi Cash Zakat: All cash, savings, current accounts, fixed deposits and money market funds count as zakatable wealth. Zakat is 2.5% of the total net amount held on your Hawl date after deducting immediate debts.
💰 Cash & Bank Balances
Cash in Hand
PKR
Savings / Current Account
PKR
Fixed Deposits / Term Savings
PKR
Money Owed to You (Receivables) (likely to be paid)
PKR
💳 Deductible Debts
⚠️Hanafi debt rule: Only debts currently due or payable within the next 12 months may be deducted. A 20-year mortgage balance of PKR 2 crore cannot be deducted in full — only annual instalments due.
Debts / Liabilities Due Within 12 Months
PKR
💍Hanafi Position on Jewellery: All gold — including daily-worn jewellery, bangles and wedding sets — is zakatable once it reaches the Nisab. This distinguishes Hanafi from Shafi'i/Maliki/Hanbali positions which may exempt personal-use jewellery.
🥇 Gold Holdings
Gold Weight (grams) (all purity — 24K, 22K, 18K)
g
Gold Purity
Calculated Gold Value (auto-calculated or enter manually)
PKR
🥈 Silver Holdings
Silver Weight (grams)
g
Silver Value (calculated or manual)
PKR
📌Gold Nisab = 87.48g of pure gold. Silver Nisab = 612.36g. Hanafi madhab uses the silver Nisab as default. If you hold mixed assets, any combination reaching the silver Nisab value makes Zakat obligatory.
🏪Business & Trade Goods: Inventory held for sale, raw materials, finished goods and business cash are all zakatable at 2.5% of current market value. Fixed assets (machines, vehicles, buildings used in business) are exempt — only trading stock counts.
🏪 Business Assets
Trading Inventory (Market Value)
PKR
Business Cash & Bank Balances
PKR
Trade Receivables (money owed by customers)
PKR
Business Debts Payable (within 12 months)
PKR
📊Complete Hanafi Zakat: Combine all your zakatable assets — cash, gold, silver, trade goods, rental income, investments. Deduct immediate debts. If the net total reaches the silver Nisab on your Hawl date, 2.5% Zakat is due on the entire net amount.
💰 Liquid Assets
Cash + Bank Balances (Total)
PKR
Gold & Silver Value (Total)
PKR
📦 Business & Investment Assets
Trade Goods / Inventory Value
PKR
Stocks / Shares / Mutual Funds
PKR
🏡 Income Assets
Net Rental Income (Annual)
PKR
Other Receivables / Loans Given
PKR
💳 Total Deductible Debts
All Debts & Liabilities Due Within 12 Months
PKR
Your Hanafi Zakat Due
PKR 0
Total Zakatable Assets
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Total Deductible Debts
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Net Zakatable Wealth
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Silver Nisab (Hanafi)
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⚠️ This calculator applies standard Hanafi methodology. Complex situations — mixed investments, overseas assets or disputed amounts — should be verified with a qualified Hanafi scholar. Disclaimer · Zakat FAQs · Full Calculator
📊 Hanafi Nisab — Today's Threshold
Silver Nisab (612.36g) · Updated regularly
🥈 Silver Nisab (Hanafi)
PKR 4,45,253
612.36g · Primary Standard
🥇 Gold Nisab (Reference)
PKR 37,83,750
87.48g · Not Hanafi Default
🕌 Hanafi Zakat — What's Distinct
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Silver Nisab = Lower ThresholdMore Muslims become Zakat-eligible. Favoured by Darul Uloom scholars globally.
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All Gold Jewellery ZakatableWomen's daily-worn gold is not exempt — a key Hanafi distinction from other madhabs.
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One Hawl Date for All WealthNo per-asset Hawl tracking. One annual date covers all zakatable holdings.
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12-Month Debt RuleOnly debts due within next 12 months reduce Nisab check — not long-term balances.
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Receivables Count (If Likely Paid)Loans you have given out that are likely to be repaid are part of your zakatable wealth.
How to Use This Calculator
1
Choose Asset TabStart with Cash & Bank for quick calculation. Use Complete Zakat tab for full annual assessment.
2
Enter All HoldingsInclude every zakatable asset: cash, gold, silver, trade goods, receivables, rental income.
3
Deduct Immediate DebtsOnly enter debts payable within 12 months — not total outstanding loan balances.
4
Confirm Hawl StatusSelect whether your full lunar year has passed. Zakat is only due after a complete Hawl.
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The Hanafi Approach
Zakat According to the Hanafi Madhab — The Complete Picture
The Hanafi madhab, founded by Imam Abu Hanifa (699–767 CE) and refined by his students Imam Abu Yusuf and Imam Muhammad al-Shaybani, represents the largest school of Islamic jurisprudence in terms of global followership. Its Zakat rulings reflect a careful balance between classical textual evidence and practical application across diverse economic contexts.
The most consequential Hanafi Zakat ruling — the one that affects virtually every Muslim who follows this school — is the adoption of the silver Nisab (612.36g) as the operative wealth threshold. At today's silver prices, this is a significantly lower bar than the gold Nisab used by Shafi'i, Maliki and Hanbali scholars, meaning that the Hanafi madhab brings more Muslims into the scope of Zakat obligation. This is not accidental: classical Hanafi scholars argued that silver was the dominant medium of commerce in early Islamic society and that its use as a benchmark ensures Zakat fulfils its redistributive purpose.
The Hanafi Nisab — Why Silver, Not Gold?
Hanafi Zakat Formula
Net Zakatable Wealth = Total Assets − Immediate Debts (due within 12 months)
Zakat = Net Zakatable Wealth × 2.5% (if ≥ Silver Nisab on Hawl date)
Zakat = Net Zakatable Wealth × 2.5% (if ≥ Silver Nisab on Hawl date)
📊 Worked Example — Full Annual Hanafi Zakat (PKR)
Cash + Bank BalancePKR 3,50,000
Gold Jewellery Value (all types)PKR 2,80,000
Business Inventory ValuePKR 1,90,000
Net Rental IncomePKR 1,20,000
Receivable (loan to family — likely repaid)PKR 60,000
Total Gross Zakatable AssetsPKR 10,00,000
Minus: Immediate Debts Due This Year− PKR 1,50,000
Net Zakatable WealthPKR 8,50,000
Silver Nisab (Hanafi) 2026PKR 4,45,253 ✓ Above
Total Hanafi Zakat Due (2.5%)PKR 21,250
What Is and Is Not Zakatable — Hanafi Rules
| Asset Type | Zakatable? | Hanafi Position | Rate |
|---|---|---|---|
| Cash (in hand / bank) | ✓ Yes | Full amount on Hawl date | 2.5% |
| Gold (all types including jewellery) | ✓ Yes | Jewellery not exempt — unique Hanafi ruling | 2.5% |
| Silver | ✓ Yes | Full value above Nisab | 2.5% |
| Trade / Business Inventory | ✓ Yes | Current market value of goods for sale | 2.5% |
| Rental Income (Net) | ✓ Yes | After deducting property expenses | 2.5% |
| Receivables (likely repaid) | ✓ Yes | Included in zakatable wealth | 2.5% |
| Stocks & Shares | ⚡ Partial | Zakatable portion of company assets | 2.5% |
| Primary Home | ✗ Exempt | Personal use — universal exemption | — |
| Business Fixed Assets | ✗ Exempt | Machinery, vehicles, buildings not for sale | — |
| Superannuation / Pension (locked) | ⚡ Debated | Many Hanafi scholars exempt until accessible | — |
The Hawl Year — Hanafi Methodology
The Hawl is the complete lunar year (354 days) your wealth must remain at or above the silver Nisab. In Hanafi jurisprudence, the Hawl begins from the moment your total wealth first reaches the silver Nisab. There is no need to track a separate Hawl per asset — one unified Hawl date governs all zakatable holdings.
An important Hanafi nuance: if your wealth dips below the Nisab mid-year and then recovers before the Hawl completes, the Hawl is generally considered to remain intact. What matters under the dominant Hanafi position is the opening and closing values of the Hawl year — both must meet the Nisab for Zakat to be due. This is more accommodating than some other schools that reset the Hawl clock on any mid-year deficit.
Receivables — A Hanafi-Specific Inclusion
The Hanafi madhab classifies receivables (money genuinely owed to you) as zakatable — but with distinctions. Strong receivables likely to be paid, such as wages owed by an employer or a personal loan to a reliable borrower, are included in your zakatable wealth. Weak receivables — debts owed by someone unlikely or unable to pay — are excluded until actually received. This practical distinction prevents Muslims from paying Zakat on wealth they may never recover.
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The Gold Jewellery Question — Hanafi vs. Other Schools
This is where the Hanafi school diverges most visibly from all three other madhabs. Imam Abu Hanifa's ruling is explicit: gold and silver jewellery owned by women is zakatable once it reaches the Nisab threshold — regardless of whether it is worn daily. Shafi'i, Maliki and Hanbali schools generally permit an exemption for a "reasonable" amount of personal-use jewellery, but the Hanafi position sees no such exemption in the primary texts. For South Asian Muslim women in particular, this means wedding jewellery, bangles and gold sets are included in Zakat calculations every year.
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Setting Your Hanafi Hawl Date
Many Hanafi Muslims tie their Hawl date to Ramadan for convenience — calculating and paying Zakat in the blessed month. Scholars permit this as long as the lunar year from the date your wealth reached Nisab has passed. If you are unsure when your Hawl began, a common practical approach is to pay Zakat at the start of Ramadan each year on whatever wealth you hold at that point. This is permissible and widely practised, though the strictest Hanafi position ties Zakat to the exact date wealth reached Nisab.
Salary Hawl Calculator →
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Hanafi Zakat — Global Followership
The Hanafi madhab is dominant across Pakistan, Bangladesh, India, Afghanistan, Central Asia, Turkey and large parts of the Arab world. Key scholarly institutions that follow Hanafi methodology include Darul Uloom Deoband (India), Darul Uloom Karachi, Nadwatul Ulama (Lucknow), and the Turkish Diyanet. The silver Nisab ruling and the jewellery Zakat ruling are consistently upheld by all these institutions.
🌍 Hanafi Silver Nisab by Currency (2026)
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Pakistani Rupee
PKR
PKR 4,45,253Silver Nisab · Hanafi standard
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US Dollar
USD
$495Silver Nisab · 612.36g
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British Pound
GBP
£357Silver Nisab · 612.36g
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Indian Rupee
INR
₹41,633Silver Nisab · 612.36g
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Saudi Riyal
SAR
SAR 1,856Silver Nisab · 612.36g
Know Your Madhab
Hanafi vs. Other Madhabs — Key Differences
Four schools of Sunni jurisprudence, four approaches to Zakat. Understanding what makes Hanafi distinct helps you calculate correctly and avoid underpayment or overpayment.
🕌 Hanafi
Imam Abu Hanifa · Abu Yusuf · Muhammad al-Shaybani · Majority in South & Central Asia
Silver Nisab · All Jewellery Zakatable
The Hanafi school uses the silver Nisab (612.36g) as the primary threshold — a more inclusive standard that brings more Muslims within the scope of Zakat. Gold jewellery is zakatable regardless of personal use. One Hawl date governs all wealth. Debts due within 12 months are deductible. Receivables likely to be repaid are included in zakatable wealth. This is the operative position for the largest global bloc of Muslims.
📊 Hanafi Nisab Comparison (PKR 2026)
Silver Nisab (612.36g)PKR 4,45,253
Gold Nisab (87.48g)PKR 37,83,750
Hanafi usesSilver (lower threshold)
📿 Shafi'i
Imam al-Shafi'i · Dominant in Southeast Asia, Egypt, East Africa
Gold Nisab · Jewellery Often Exempt
The Shafi'i madhab uses the gold Nisab (87.48g) as the standard, setting a considerably higher bar for Zakat eligibility. A key practical distinction: women's gold jewellery in personal, regular use is considered exempt from Zakat — contrasting directly with the Hanafi ruling. Income from different sources may have separate Hawl periods. This school is predominant in Malaysia, Indonesia, Somalia, and parts of Egypt and Yemen.
📊 Shafi'i Key Distinction
Nisab StandardGold (87.48g)
Personal JewelleryExempt if in regular use
Nisab 2026 (PKR)PKR 37,83,750
🌿 Maliki
Imam Malik ibn Anas · Dominant in West Africa, North Africa, parts of Gulf
Gold Nisab · Stricter on Debts
The Maliki school follows the gold Nisab standard and shares the Shafi'i position of exempting personal-use jewellery in a reasonable amount. Notably, the Maliki madhab takes a stricter view on debt deduction — only essential personal debts are deducted, not business liabilities in all cases. The Maliki school also differs on agricultural Zakat thresholds compared to other madhabs.
📊 Maliki Key Distinction
Nisab StandardGold (87.48g)
Debt DeductionStricter criteria
JewelleryReasonable amount exempt
🌱 Hanbali
Imam Ahmad ibn Hanbal · Dominant in Saudi Arabia, parts of Gulf
Gold Nisab · Broad Exemptions
The Hanbali madhab uses the gold Nisab and extends quite broad exemptions to personal assets, including personal-use jewellery below certain thresholds. Hanbali jurisprudence also takes a relatively generous position on debt deductions, permitting broader classes of debt to reduce zakatable wealth. The school is the official legal reference for Saudi Arabia's religious institutions.
📊 Hanbali Key Distinction
Nisab StandardGold (87.48g)
JewelleryBelow threshold exempt
Debt DeductionsRelatively broad
Frequently Asked Questions
Hanafi Zakat FAQs
Real questions from Hanafi-following Muslims — answered with precision, without ambiguity.
What is the Hanafi Nisab threshold in 2026 and why is it different from other madhabs?
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The Hanafi Nisab for 2026 is approximately PKR 4,45,253 / USD 495 / GBP 357 — based on 612.36 grams (52.5 tolas) of silver. This is significantly lower than the gold Nisab (87.48g gold ≈ PKR 37,83,750) used by Shafi'i, Maliki and Hanbali schools. The difference exists because Imam Abu Hanifa determined silver to be the primary monetary standard in classical Islamic commerce. Today, this means far more Muslims become Zakat-eligible under the Hanafi system — which is by design. The silver Nisab ensures Zakat remains a meaningful obligation rather than one limited to the very wealthy.
Do I pay Zakat on my wife's gold jewellery according to the Hanafi madhab?
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Yes — this is one of the most important and often overlooked aspects of Hanafi Zakat. The Hanafi school holds that all gold jewellery owned by women is zakatable once it reaches the Nisab threshold, regardless of whether it is worn daily. This applies to wedding bangles, bridal sets, necklaces, and any other gold ornaments. Each person is individually liable for Zakat on their own wealth, so it is the wife's Zakat to pay (or the husband may pay on her behalf with her permission). This position is explicitly maintained by Darul Uloom Deoband, Darul Uloom Karachi and other major Hanafi institutions.
My total wealth includes cash, gold and trade goods — do I use one Nisab or check each asset separately?
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In Hanafi jurisprudence, you combine all zakatable assets together and compare the total against the silver Nisab. You do not check each asset category against Nisab individually. So if your cash alone does not reach Nisab, but your cash plus gold plus trade inventory combined does reach the silver Nisab of 612.36g, Zakat becomes obligatory on the entire combined amount. This aggregation principle is a cornerstone of Hanafi Zakat calculation and makes the silver Nisab standard even more inclusive in practice.
I have a home loan (mortgage) — can I deduct the full outstanding balance from my zakatable wealth?
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No. The Hanafi rule on debt deduction is specific: only the instalments or repayments due within the next 12 months may be deducted from your zakatable wealth — not the total outstanding balance. So if you owe PKR 60 lakh on a mortgage but your annual payments amount to PKR 4,80,000, you deduct PKR 4,80,000, not PKR 60,00,000. The underlying logic is that your Zakat obligation relates to the wealth you currently have control over, not to distant future liabilities. This moderate position differs from a broader debt-deduction position sometimes attributed to Maliki and Hanbali scholars.
I lent money to a friend — does that loan count towards my Zakat?
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The Hanafi madhab distinguishes between two types of receivables. Strong receivables — money owed to you by a reliable person who is willing and able to repay — are included in your zakatable wealth even before they are physically received. You pay Zakat on them each year they are outstanding. Weak receivables — money owed by someone who is unable or unwilling to pay — are not included in annual Zakat until you actually receive the payment. Once received, a debt collector of weak receivables pays Zakat on the amount for one year only, not retroactively for all prior years it was outstanding.
When exactly does my Hanafi Hawl begin?
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Your Hawl begins on the date your total zakatable wealth first reaches the silver Nisab. If, for example, your wealth crossed PKR 4,45,253 on the 15th of Sha'ban, then your Hawl completion date is the 15th of Sha'ban the following lunar year. The Hawl is a lunar year — 354 days — not a solar calendar year. Many Hanafi Muslims use the 1st of Ramadan as a practical Hawl date for convenience, paying Zakat in the month of Ramadan each year. Scholars permit this practise, though the technically correct position anchors the Hawl to the actual date of Nisab attainment.
Is Zakat due on provident funds and pension contributions according to Hanafi scholars?
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This is an actively debated contemporary issue among Hanafi scholars. The majority position of leading Hanafi institutions including Darul Uloom Karachi is that pension and provident funds to which you have no current access are not zakatable until they become accessible to you. However, if a voluntary contribution can be withdrawn — such as a voluntary provident fund or savings scheme — it is included in zakatable wealth. Once a pension is received or becomes accessible, it enters zakatable wealth from that point. You should clarify your specific fund's withdrawal terms and consult a scholar if needed.
I follow the Hanafi madhab but my spouse follows Shafi'i — do we calculate Zakat differently?
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Yes, and this is entirely valid. Each person calculates and pays Zakat according to their own madhab. The Hanafi spouse uses silver Nisab and includes jewellery in zakatable wealth. The Shafi'i spouse uses gold Nisab and may exclude personal-use jewellery in a reasonable amount. There is no obligation to adopt a single madhab within a household — Islamic jurisprudence permits and respects madhab differences within families. Both spouses calculate individually based on their personally-owned wealth. Shared assets may need proportional attribution depending on legal ownership structure.
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