RAMADAN 2026 · زكاة · 🔴 LIVE RATES
Zakat Calculator Saudi Arabia
1447 AH · 2026
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 with live gold and silver prices.
Zakat Rate
2.5%
Of net zakatable wealth (1/40th)
Gold Nisab · 87.48g
SAR 52,925
🔴 Live · SAR 605/g
Silver Nisab · 612.36g
SAR 5,962
🔴 Live · SAR 9.7366/g
Hawl Period
354 Days
One full Islamic lunar year
🌙 Zakat Calculator · 1447 AH / 2026
Enter all assets in SAR · Deduct debts due within 12 months · 2.5% rate applied
1
Choose your Nisab standard
Most scholars recommend the silver standard as it includes more people in the obligation to pay
⚖️ Nisab Threshold
🔴 Live
Live · Updated 17 Mar 2026, 16:13 · You can edit prices below
24K Gold price per gram (SAR)
SAR
Silver price per gram (SAR)
SAR
SAR 52,925
Gold Nisab (87.48g × SAR 605/g)
SAR 5,962
Silver Nisab (612.36g × SAR 9.7366/g)
2
Enter your zakatable assets
All amounts in SAR · Include only assets held for one full lunar year (Hawl)
💵
Cash & Bank Savings
Current accounts · Savings · Cash at home · Mobile wallets
SAR 0
+
Cash at home & current accountsAll bank accounts, cash in hand
SAR
Savings accountsFixed deposits, savings accounts
SAR
Money owed to youLoans given out that are expected to be repaid
SAR
🥇
Gold
Jewellery · Coins · Bars · All purities
SAR 0
+
📖 Hanafi school: All gold jewellery is zakatable. Shafi'i / Maliki / Hanbali: Gold jewellery in regular personal use is exempt. Enter value according to your school of thought.
💡 Live price: 24K gold = SAR 605/g · 22K = SAR 554.58/g · 18K = SAR 453.75/g
💡 Live price: 24K gold = SAR 605/g · 22K = SAR 554.58/g · 18K = SAR 453.75/g
24K gold valueEnter total SAR value · or use weight × current price
SAR
22K gold valueJewellery, bangles etc.
SAR
18K / 21K gold valueLower purity gold items
SAR
🥈
Silver
Jewellery · Coins · Bars · Silverware
SAR 0
+
Silver value (total)All silver items · Enter total SAR value
SAR
📈
Investments
Stocks · Mutual funds · Crypto · Bonds · Rental income
SAR 0
+
Stocks & shares (market value)Trading shares: full value. Long-term investment shares: dividends only.
SAR
Mutual funds / ETFsCurrent market value of units held
SAR
CryptocurrencyMarket value on your Zakat date (2018 fatwa: zakatable if held as investment)
SAR
Rental property income (annual)Net rental income received · The property itself is not zakatable
SAR
🏪
Business Assets
Inventory · Receivables · Cash in business · Excluding fixed assets
SAR 0
+
Business inventory / stock in tradeMarket value of goods held for sale
SAR
Business cash & bank balancesWorking capital held in business accounts
SAR
Business receivablesMoney owed to the business (outstanding invoices)
SAR
📦
Other Zakatable Assets
Pension (accessible) · Agricultural produce · Livestock
SAR 0
+
Pension / retirement fund (accessible)Include only if you can access it now. Locked pensions: pay Zakat on withdrawal.
SAR
Other zakatable assetsAny other wealth not listed above
SAR
3
Deduct liabilities
Only debts due within the next 12 months can be deducted · Long-term mortgages are not fully deductible
➖ Deductible Debts & Liabilities
Short-term debts (due within 12 months)Personal loans, credit card balances, immediate bills
SAR
Up to 12 months of long-term debt instalmentsOnly the next 12 months' worth of mortgage/car loan payments
SAR
Other immediate liabilitiesUnpaid taxes, rent due, utility bills
SAR
Zakat Calculation Result
Assets Breakdown
Zakat Calculation
Nisab Threshold Guide · 🔴 Live Rates
SAR 605/g gold · SAR 9.7366/g silver · Updated 17 Mar 2026 16:13
Nisab Standards Comparison
The minimum wealth threshold before Zakat becomes obligatory
| Standard | Weight | SAR Value Today | Threshold | Scholars |
|---|---|---|---|---|
| Silver Nisab | 612.36g of silver | SAR 5,962 | Lower | Most recommended · More inclusive |
| Gold Nisab | 87.48g of 24K gold | SAR 52,925 | Higher | Conservative · Widely accepted |
🔴 Live rates. Gold Nisab = 87.48 × SAR 605/g = SAR 52,925. Silver Nisab = 612.36 × SAR 9.7366/g = SAR 5,962. Prices fluctuate daily — you can always edit them in the calculator above.
Zakatable vs Non-Zakatable Assets
What counts toward your Zakat calculation
✅ Zakatable Assets — Must Be Included
Held for one full lunar year (Hawl) above Nisab threshold
| Asset Type | What to Include | Rate |
|---|---|---|
| Cash & Savings | All bank accounts, cash at home, mobile wallets, money owed to you | 2.5% |
| Gold | All gold (Hanafi: including daily-wear jewellery). 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 received (not the property value) | 2.5% |
| Accessible Pension | Only if you can access and withdraw it now | 2.5% |
❌ Non-Zakatable Assets — Excluded
Personal-use and non-productive assets
| Asset Type | Why Excluded |
|---|---|
| Primary home / residence | Personal use, not productive wealth |
| Personal vehicle(s) | Used for daily personal transport, not trade |
| Household furniture & appliances | Personal-use items |
| Clothing & personal items | Personal use |
| Business fixed assets | Equipment, machinery, office space used in production |
| Long-term investment property value | Only rental income is zakatable, not property value |
| Locked pension | Pay Zakat only when you actually receive/withdraw it |
| Interest (riba) | Haram — give as general charity, not Zakat |
This table is a general guide. For complex situations (multiple businesses, mixed-use assets, large investments) consult a qualified Islamic scholar.
Understanding Zakat · Complete Guide for Saudi Expats 2026
🌙
What is Zakat?
The third pillar of Islam. An obligatory annual payment of 2.5% of net zakatable wealth by every eligible Muslim — adult, sane, Muslim, owning wealth above the Nisab for one full lunar year.
⚖️
The Nisab Threshold
Nisab is the minimum wealth threshold. Set by the Prophet ﷺ at 87.48g of gold or 612.36g of silver. Silver standard (~SAR 4,440) is most widely recommended as it includes more people in the obligation.
📅
The Hawl (Lunar Year)
Wealth must be held above the Nisab for one complete Islamic lunar year (354 days). Your Hawl date is fixed to when you first reached the Nisab — not the calendar year. Many choose Ramadan for convenience.
🤝
Who Receives Zakat?
Allah (SWT) specified 8 categories in Quran 9:60: the poor (fuqara), the needy (masakin), Zakat administrators, those whose hearts are to be reconciled, freeing captives, debtors, in the cause of Allah, and stranded travellers.
How to Calculate Your Zakat — Step by Step
- Determine your Hawl date — the Islamic date when your wealth first exceeded the Nisab. This is your annual calculation date.
- Choose your Nisab standard — gold (87.48g × today's price) or silver (612.36g × today's price). Most scholars recommend silver.
- List all zakatable assets — cash, savings, gold, silver, investments, business inventory, receivables, accessible pension.
- Deduct qualifying liabilities — short-term debts due within 12 months and up to 12 months' worth of long-term debt instalments.
- Check if net wealth ≥ Nisab — if yes, Zakat is due. If no, you are not obligated this year.
- Apply 2.5% to net zakatable wealth — this is your Zakat due.
- Pay promptly — Zakat is due on your Hawl date. Delaying is sinful once the obligation is triggered.
Zakat on Gold & Silver in Saudi Arabia
Gold and silver are directly zakatable at their current market value. The Hanafi school requires Zakat on all gold and silver jewellery including daily-wear items. The Shafi'i, Maliki, and Hanbali schools generally exempt jewellery in regular personal use. Expats should follow their school of thought. If unsure, the more cautious approach is to include all gold and silver — this fulfils the obligation regardless of school.
Zakat for Expats Working in Saudi Arabia
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. The currency conversion to SAR should be done at the exchange rate on your Hawl date. Expats often find it convenient to pay Zakat during Ramadan, but must ensure they are not delaying past their actual Hawl date.
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Frequently Asked Questions
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. The amount varies entirely by individual wealth. There is no fixed SAR amount — it is always 2.5% of whatever net zakatable wealth you hold on your annual Hawl date.
The Nisab is the minimum wealth threshold before Zakat is obligatory. Using the silver standard (recommended): 612.36 grams of silver × current price per gram. At approximately SAR 7.25/gram, the silver Nisab is around SAR 4,440. Using the gold standard: 87.48 grams of 24K gold × current price. At approximately SAR 606/gram, the gold Nisab is around SAR 53,013. Prices fluctuate daily — always use the current rate on your Zakat calculation date.
Yes. Zakat is an obligation for every eligible Muslim adult regardless of nationality or country of residence. If you are a Muslim expatriate working in Saudi Arabia and your net zakatable wealth exceeds the Nisab and has been held for one full lunar year (Hawl), Zakat is due. This includes wealth held in Saudi accounts as well as accounts and assets in your home country. Convert all foreign currency to SAR at the exchange rate on your Hawl date.
It depends on your school of thought. The Hanafi school (followed by most South Asian and many Arab Muslims) holds that all gold jewellery is zakatable, including daily-wear items. The Shafi'i, Maliki, and Hanbali schools generally exempt jewellery that is in regular personal use. Saudi Arabia is predominantly Hanbali. The safest approach to fulfil the obligation across all schools is to include all gold jewellery in your calculation.
You can deduct up to 12 months' worth of instalment payments on long-term debts (mortgage, car loan) — not the full outstanding balance. Short-term debts due within the next 12 months are fully deductible. Interest payments (riba) cannot be deducted from Zakat; instead, give any riba earnings as general charity (sadaqah), not Zakat.
Zakat is due on your personal Hawl date — the Islamic (Hijri) date on which you first came into possession of wealth above the Nisab. This date repeats annually. Many Muslims choose to pay during Ramadan for the multiplied spiritual reward, but if your Hawl falls before Ramadan, you must pay on time and not delay. Delaying Zakat past the Hawl date is sinful.
Yes. Trading stocks are zakatable at their full market value on your Zakat date. Shares held as long-term investments (not for trading) are generally zakatable only on dividends received, though some scholars include the market value. Cryptocurrency held as an investment is zakatable at market value based on a widely-cited 2018 fatwa. Consult a scholar for complex portfolios.
Zakat is obligatory (fard) — one of the five pillars of Islam. It has specific rules: who must pay, how much, to whom it can be given, and when. Sadaqah is voluntary charity — any good deed or donation that is not obligatory. Both are highly encouraged in Islam. Zakat must be given to the eight eligible categories mentioned in Quran 9:60. Sadaqah can be given to anyone.
Disclaimer: This calculator is a general educational tool based on widely accepted Zakat calculation principles. It does not constitute a fatwa or religious ruling. For complex financial situations — multiple businesses, significant investments, inheritance, joint ownership — consult a qualified Islamic scholar. Nisab values shown are approximate and based on recent market prices; always verify with current gold and silver rates. This tool is for informational purposes only.