Zakat · 2.5% on nisab
Zakat Calculator — Saudi Arabia
Calculate 2.5% Zakat on your Zakatable wealth above nisab. Zakat is due when wealth held for one lunar year meets the nisab threshold.
How is this calculated?
Zakat = max(0, Assets − Liabilities − Nisab) × 2.5%. Nisab = 85g of 24K gold OR 595g of silver (whichever is used as the basis).
Notes
- Some scholars use silver nisab (more conservative — lower threshold, more Zakat). Default uses gold nisab; switch to silver if you follow that view.
- A lunar year (haul) of holding is required. This calculator does not check haul — pay Zakat on assets you have held for a year.
- Source: ZATCA — Zakat guide
- These calculators are for informational purposes only and are not financial, tax, legal, or professional advice. Verify the result with an official source or qualified advisor.
Zakat in Saudi Arabia is 2.5% on Zakatable wealth that has been held for one lunar year (haul) and is above the nisab threshold. Nisab is typically valued at 85 grams of 24K gold (or 595 grams of silver, depending on the school of thought). This calculator covers cash, gold, investments, receivables, and business inventory — minus short-term liabilities — and applies 2.5% only to the amount above nisab.
How to use this calculator
- 1 Choose a nisab basis (gold or silver) and enter the current 24K gold or silver price per gram to get the nisab value.
- 2 Add up your Zakatable assets: cash and bank balances, gold and silver held as investment, stocks and funds, money owed to you, and business inventory.
- 3 Subtract your short-term liabilities (bills due, current portion of loans).
- 4 The result shows whether you are above or below nisab, and the Zakat due (2.5%).
Frequently asked questions
What is nisab in Zakat?
Nisab is the minimum threshold of wealth a Muslim must hold before Zakat becomes due. The two common standards are 85 grams of 24K gold, or 595 grams of silver. Gold nisab is the more common basis used in Saudi Arabia today.
How much Zakat is 2.5% on what amount?
Zakat is 2.5% of Zakatable wealth above the nisab. Example: if you have SAR 200,000 in Zakatable assets and the nisab is SAR 30,000, Zakat is 2.5% × (200,000 − 30,000) = SAR 4,250.
Is Zakat due on a house you live in?
No. Your primary residence, furniture, personal car, and everyday-use items are not Zakatable. Zakat applies to wealth held as savings or investment, not to assets you actively use.
When is Zakat due?
Zakat is due once per lunar year (haul) on the date your wealth first crossed the nisab. Many people in Saudi Arabia pay Zakat in Ramadan, but the actual due date depends on when your haul started.
Is Zakat on stocks and shares?
Yes — Zakat is due on the market value of shares you hold as long-term investments. Trading inventory is treated as business goods and Zakat is due on the resale value. This calculator puts both in the right category.