Zakat Calculator for Saudi Arabia

Enter your cash, gold, silver, investments and business assets in SAR, deduct the debts that qualify, and see whether your net wealth has reached Nisab. The calculator applies the 2.5% rate and shows every step of the working.

How Zakat is calculated

Zakat is one fortieth of your net zakatable wealth, which works out at 2.5%. You add the assets you hold for zakat purposes, subtract the debts that qualify for deduction, and check the remainder against the Nisab threshold.

The threshold is set by weight rather than by a fixed amount of money: 87.48 grams of 24K gold, or 612.36 grams of silver. Because metal prices move daily, the riyal value of Nisab moves with them, which is why this calculator computes it from the price per gram you enter.

Wealth must also have been held above Nisab for one full lunar year — the hawl — before Zakat falls due. That year is about 354 days and is tied to the Hijri calendar rather than to 1 January.

What counts as zakatable wealth

Cash in hand and in bank accounts, savings, money owed to you, gold and silver, trading stocks, funds, cryptocurrency held as an investment, business inventory, business cash and receivables, net rental income and any pension you can withdraw right now are all included.

Your home, your car, household furniture and clothing are excluded because they are personal use rather than productive wealth. Long-term investment property is also excluded as an asset — only the rental income it produces is zakatable.

Only debts due within the next twelve months may be deducted, together with up to twelve months of instalments on a long-term loan. The full outstanding mortgage balance does not come off your Zakat base.

Gold and silver Nisab, and why the price matters

The silver standard gives a much lower threshold and is the one most scholars recommend because it brings more people inside the obligation. The gold standard is the higher, more conservative threshold.

This calculator benchmarks Nisab to the gold price you supply, so the riyal figure it shows is an estimate that changes whenever the market price changes. Edit the price per gram on the day you calculate to keep the comparison honest.

Zakat is due on your own hawl date, not on a fixed calendar date, although many people choose Ramadan for convenience. Payment should be made to one of the eight categories named in the Quran.

Frequently asked questions

How much Zakat do I owe?

2.5% of your net zakatable wealth once that figure has reached Nisab and been held for a full lunar year. On SAR 100,000 of net wealth the Zakat is SAR 2,500; there is no fixed amount and no flat annual fee.

What is the Nisab threshold in Saudi Arabia?

Nisab is 612.36 grams of silver or 87.48 grams of 24K gold, converted at the current price per gram. Because bullion prices change, the riyal value changes with them — this tool calculates it from the price you enter and flags the result as an estimate.

Do expats working in Saudi Arabia have to pay Zakat?

Yes, if you are a Muslim adult whose wealth meets the conditions. Zakat follows your wealth wherever it is held, so savings in Saudi accounts and in your home country both count, converted to riyals at the rate on your hawl date.

Is gold jewellery zakatable?

It depends on your school of thought. The Hanafi school treats all gold and silver jewellery as zakatable, while the Shafi'i, Maliki and Hanbali schools generally exempt pieces worn regularly. Silver itself is included regardless of use, so including everything is the cautious approach.

Can I deduct my mortgage or car loan?

Only up to twelve months of instalments on a long-term loan, plus any short-term debt that falls due within the next twelve months. The remaining balance of the loan stays outside the calculation.

When should I pay Zakat?

On your own hawl date — the Hijri date on which your wealth first crossed Nisab — which repeats every lunar year. Paying during Ramadan is common and rewarded, but it must not push the payment past the date the obligation actually fell due.