Net worth, with a Zakat flag on liquid wealth.
Net worth
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Total assets
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Total liabilities
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Indicative Zakat
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Your breakdown
Updates live as you type| Item | Amount |
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Worked example
Suppose you hold Rs 800,000 in cash, Rs 1,500,000 in investments, a Rs 15,000,000 property, Rs 600,000 of gold and a Rs 3,000,000 car, against Rs 2,000,000 of loans. Total assets are Rs 20,900,000 and total liabilities are Rs 2,000,000, so your net worth is Rs 18,900,000. Zakat, though, is not charged on net worth. It applies only to liquid zakatable wealth, which here is cash plus investments plus gold, Rs 800,000 plus Rs 1,500,000 plus Rs 600,000, or Rs 2,900,000. Your home and car are excluded. Since Rs 2,900,000 is well above the nisab of about Rs 179,000, Zakat is due at 2.5%, which is about Rs 72,500. The property and vehicle still count toward net worth, just not toward the Zakat base.
| Item | Amount (PKR) |
|---|---|
| Total assets | Rs 20,900,000 |
| Total liabilities | Rs 2,000,000 |
| Liquid zakatable wealth | Rs 2,900,000 |
| Indicative Zakat at 2.5% | Rs 72,500 |
| Net worth | Rs 18,900,000 |
How it is calculated
Net worth is simply everything you own minus everything you owe. The tool adds your cash, investments, property, gold, vehicles and any other assets to get total assets, sums your loans and other liabilities, and subtracts the second from the first. Zakat is handled separately because it does not apply to all of that wealth. The tool isolates the liquid zakatable portion, cash plus investments plus gold, and deliberately leaves out your home, car and other personal-use assets. If that liquid figure reaches the nisab threshold, it applies the 2.5% rate to show an indicative Zakat amount, otherwise it shows none. The nisab is announced each year and the treatment of specific assets can be nuanced, so treat the Zakat figure as a guide and confirm the current nisab before paying.