Calculate your annual Zakat obligation in Saudi Riyals. Enter your assets — cash, gold, silver, investments, business assets — and deduct liabilities. Based on the 2.5% Nisab formula.
Enter all assets in SAR · Deduct debts due within 12 months · 2.5% rate applied
Most scholars recommend the silver standard as it includes more people in the obligation.
Include only assets held for one full lunar year (Hawl). All amounts in SAR.
Only debts due within the next 12 months. Long-term mortgages are not fully deductible.
The minimum wealth threshold before Zakat becomes obligatory
| Standard | Weight | Threshold | Scholars |
|---|---|---|---|
| 🥈 Silver Nisab | 612.36g of silver | Lower | Most recommended · More inclusive |
| 🥇 Gold Nisab | 87.48g of 24K gold | Higher | Conservative · Widely accepted |
| Asset Type | What to Include | Rate |
|---|---|---|
| Cash & Savings | All bank accounts, cash at home, money owed to you | 2.5% |
| Gold | Hanafi: all gold incl. daily-wear. Other schools: exclude regular-use jewellery | 2.5% |
| Silver | All silver items regardless of use | 2.5% |
| Trading Stocks | Full market value on Zakat date | 2.5% |
| Cryptocurrency | Market value if held as investment (2018 fatwa) | 2.5% |
| Business Inventory | Market value of goods held for sale | 2.5% |
| Business Cash & Receivables | Working capital, outstanding invoices | 2.5% |
| Rental Income | Net annual rental income (not property value) | 2.5% |
| Accessible Pension | Only if you can withdraw it now | 2.5% |
| Asset Type | Why Excluded |
|---|---|
| Primary home / residence | Personal use, not productive wealth |
| Personal vehicle(s) | Daily personal transport, not trade |
| Household furniture & appliances | Personal-use items |
| Business fixed assets | Equipment, machinery, office space |
| Investment property value | Only rental income is zakatable, not property |
| Locked pension | Pay Zakat only when you receive/withdraw it |
| Interest (riba) | Haram — give as general charity, not Zakat |
The third pillar of Islam — an obligatory annual payment of 2.5% of net zakatable wealth by every eligible Muslim who owns wealth above the Nisab for one lunar year.
The minimum wealth threshold: 87.48g of gold or 612.36g of silver. The silver standard is most widely recommended as it includes more people.
Wealth must be held above Nisab for one complete Islamic lunar year (354 days). Your Hawl date is when you first reached the Nisab.
Allah specified 8 categories in Quran 9:60: the poor, the needy, Zakat administrators, debtors, travellers and more.
Zakat is a personal obligation tied to the individual Muslim's wealth, not their country of residence. If you are a Muslim expatriate working in Saudi Arabia, your zakatable wealth includes savings held globally — in Saudi accounts and in your home country. Convert foreign currency to SAR at the exchange rate on your Hawl date. Many expats find it convenient to pay during Ramadan, but must not delay past their actual Hawl date.
Zakat is 2.5% of your total net zakatable wealth — assets minus qualifying debts. For example, if your net zakatable wealth is SAR 100,000, your Zakat is SAR 2,500. There is no fixed amount — it is always 2.5% of your net wealth on your Hawl date.
The Nisab is the minimum wealth threshold. Silver standard (recommended): 612.36g × current silver price per gram. Gold standard: 87.48g × current 24K gold price. Prices fluctuate daily — always use the current rate on your Zakat date.
Yes. Zakat is an obligation for every eligible Muslim adult regardless of nationality. If your net zakatable wealth exceeds the Nisab and has been held for one lunar year, Zakat is due — including wealth in Saudi accounts and your home country.
It depends on your school of thought. The Hanafi school holds all gold jewellery is zakatable including daily-wear. The Shafi'i, Maliki, and Hanbali schools generally exempt jewellery in regular use. The safest approach to fulfil the obligation is to include all gold.
You can deduct up to 12 months' worth of instalments on long-term debts — not the full balance. Short-term debts due within 12 months are fully deductible. Interest (riba) cannot be deducted.
Yes. Trading stocks are zakatable at full market value. Long-term investment shares are generally zakatable on dividends. Cryptocurrency held as investment is zakatable at market value (2018 fatwa). Consult a scholar for complex portfolios.
Zakat is obligatory (fard) — one of the five pillars, with specific rules. Sadaqah is voluntary charity that can be given to anyone. Both are encouraged, but Zakat must go to the eight eligible categories in Quran 9:60.
Disclaimer: This calculator is a general educational tool based on widely accepted Zakat principles. It does not constitute a fatwa or religious ruling. For complex situations — multiple businesses, large investments, inheritance, joint ownership — consult a qualified Islamic scholar. Nisab values are based on the gold/silver prices you enter; verify with current market rates. Informational purposes only.
