Zakat Calculator (KSA) — حاسبة الزكاة
Calculate your Zakat on gold, silver, cash, savings, stocks, business assets, and real estate. Based on Islamic jurisprudence and ZATCA Saudi Arabia guidelines.
حاسبة الزكاة — Zakat Calculator
Enter your assets and liabilities in SAR to calculate your Zakat obligation.
Only debts payable within the next 12 months are deductible. Interest (riba) payments cannot be deducted.
Nisab Standard (حد النصاب)
Most scholars recommend the silver standard as it has a lower threshold, benefiting more recipients.
Asset Breakdown
What Is Zakat? (الزكاة)
Zakat (الزكاة) is the third pillar of Islam — a mandatory annual act of worship through which eligible Muslims purify their wealth by giving 2.5% of their qualifying assets to those in need. The word "Zakat" literally means purification and growth, reflecting the Islamic belief that sharing wealth purifies the soul and increases blessings (barakah).
In Saudi Arabia, Zakat holds a unique dual role. For individuals, it remains a personal religious obligation — you calculate and pay it yourself. For businesses owned by Saudi or GCC nationals, the Zakat, Tax and Customs Authority (ZATCA — هيئة الزكاة والضريبة والجمارك) enforces collection as a state-mandated obligation.
The eight categories of Zakat recipients are defined in the Quran (Surah At-Tawbah 9:60): the poor (al-fuqara), the needy (al-masakin), Zakat administrators, those whose hearts need reconciliation, freeing captives, debtors, in the cause of Allah, and travelers in need.
Understanding Nisab — The Minimum Threshold (النصاب)
Zakat only becomes obligatory when your wealth reaches or exceeds the Nisab (النصاب) — the minimum threshold. There are two standards:
| Standard | Weight | Approximate SAR Value (2025) | Use Case |
|---|---|---|---|
| Gold Nisab | 85 grams of pure gold (24K) | SAR ~26,350 | Higher threshold — fewer people qualify |
| Silver Nisab | 612.36 grams of pure silver | SAR ~2,327 | Lower threshold — more people qualify (recommended) |
The SAR value of Nisab fluctuates daily with commodity prices. Always check current gold and silver prices on your Zakat due date.
How to Calculate Zakat — Step-by-Step Guide
Calculating Zakat is straightforward when broken into steps:
Step 2: Total the SAR value of all assets.
Step 3: Subtract deductible liabilities — debts due within 12 months, installments, and arrears.
Step 4: Calculate your Net Zakatable Wealth = Total Assets − Liabilities.
Step 5: Compare to the Nisab. If your net wealth ≥ Nisab, Zakat is due.
Step 6: Zakat = Net Zakatable Wealth × 2.5% (or ÷ 40).
Worked Example (SAR)
| Asset / Liability | Amount (SAR) |
|---|---|
| Savings Account | 85,000 |
| Gold Jewelry (21K, 120g) | 32,550 |
| Tadawul Stocks | 45,000 |
| Cash on Hand | 5,000 |
| Total Assets | 167,550 |
| Car Loan Installments (12 months) | −24,000 |
| Credit Card Balance | −3,500 |
| Total Liabilities | −27,500 |
| Net Zakatable Wealth | 140,050 |
| Nisab (Silver Standard) | 2,327 |
| ✅ Eligible | Yes |
| Zakat Due (2.5%) | SAR 3,501.25 |
Zakat on Gold & Silver in Saudi Arabia
Gold holds deep cultural significance in Saudi Arabia. Whether it is mahr (مهر) wedding jewelry, souq purchases, or investment bullion — understanding Zakat on gold is essential for every Muslim in the Kingdom.
Gold Carat Conversion
Saudi gold markets commonly sell in 21 karat (the most popular in KSA), 22K, and 18K. Since Zakat is based on pure gold content, you must convert to 24K equivalent:
| Carat | Purity | Multiplier | 100g Actual = Pure Gold |
|---|---|---|---|
| 24K | 99.9% | 1.000 | 100.0g |
| 22K | 91.7% | 0.917 | 91.7g |
| 21K (KSA Standard) | 87.5% | 0.875 | 87.5g |
| 18K | 75.0% | 0.750 | 75.0g |
Example: 120g of 21K gold = 120 × (21 ÷ 24) = 105g pure gold
Scholarly Positions on Jewelry
- Hanafi School: Zakat is due on all gold and silver, including jewelry worn daily — no exemption for personal adornment.
- Hanbali School (dominant in KSA): Gold jewelry worn regularly for personal adornment may be exempt. Investment gold, stored gold, or jewelry rarely worn is subject to Zakat.
- Mixed pieces: Only the gold or silver content is subject to Zakat. Gemstones, pearls, and non-precious metals are excluded — subtract their weight.
Zakat on Cash, Savings & Bank Deposits
Cash is the most straightforward zakatable asset. Include all SAR-denominated and foreign-currency holdings:
- Cash on hand — physical SAR notes and coins
- Bank savings accounts — all Saudi banks (Al Rajhi, SNB, SABB, Riyad Bank, etc.)
- Current / checking accounts — business or personal
- Foreign currency — convert to SAR at the spot rate on your Zakat date
- Hajj / Umrah savings — money set aside for pilgrimage is still zakatable
- Fixed deposits — even if locked, the principal is zakatable (interest is excluded as riba)
Zakat on Stocks & Investments (Tadawul)
The method for calculating Zakat on stocks depends on your intention:
| Holding Type | Zakat Method | Example (SAR 100,000 portfolio) |
|---|---|---|
| Short-Term Trading | 2.5% of full market value | SAR 100,000 × 2.5% = SAR 2,500 |
| Long-Term (Dividends) | 2.5% of zakatable portion (~25-30%) | SAR 100,000 × 30% × 2.5% = SAR 750 |
| Mixed Intent | Use full market value (cautious approach) | SAR 100,000 × 2.5% = SAR 2,500 |
For Tadawul stocks, use the closing price on the Saudi Exchange on your Zakat due date. This includes:
- Saudi Aramco (2222) shares
- Al Rajhi Bank, SABIC, STC, and all listed equities
- Mutual Funds / ETFs — use the Net Asset Value (NAV) on your Zakat date
- Sukuk (Islamic bonds) — the face value or market value is zakatable
Zakat on Real Estate & Rental Income in Saudi Arabia
With Saudi Arabia's booming real estate market under Vision 2030, understanding Zakat on property is crucial:
| Property Type | Zakat Rule |
|---|---|
| Primary Residence | ❌ Exempt — never subject to Zakat |
| Rental Property | Zakat on accumulated rental income only (not property value) |
| Property for Resale | ✅ Full market value is zakatable (treated as trading stock) |
| Vacation / Second Home | ❌ Generally exempt (if not generating income/not for sale) |
| Land for Development | ✅ Zakatable if held with the intention of selling |
Rental income example: You earn SAR 5,000/month from renting an apartment in Riyadh. Over the Hawl, you save SAR 42,000 of that rental income. Only this SAR 42,000 is added to your zakatable assets — not the apartment's market value.
Corporate Zakat — Business Obligations in KSA
Saudi Arabia is unique in that ZATCA enforces Zakat collection from businesses. This applies to all entities with Saudi or GCC national ownership:
| Ownership | Obligation | Rate |
|---|---|---|
| 100% Saudi/GCC | Zakat (ZATCA) | 2.5% of Zakat base |
| Mixed (Saudi + Foreign) | Zakat on Saudi portion, CIT on foreign portion | 2.5% / 20% |
| 100% Foreign | Corporate Income Tax | 20% |
Zakat Base = Share Capital + Retained Earnings + Reserves + Provisions + Long-term Liabilities − Net Fixed Assets − Investments in other companies
Zakat Due = Zakat Base × 2.5%
Businesses must file Zakat returns within 120 days of the fiscal year-end, accompanied by audited financial statements. ZATCA's 2024 Executive Regulations updated calculation methods to align with financial statement balances.
Deductible Liabilities — What Reduces Your Zakat
Certain debts reduce your zakatable wealth. Understanding what qualifies is critical:
✅ Deductible
- Debts payable within the next 12 months
- Up to 12 months of installments on mortgages, car loans, personal loans
- Overdue payments and arrears
- Wages owed to employees
- Taxes due (VAT, government fees)
❌ Not Deductible
- Expenses not yet due (future obligations)
- Debts with no payment due within 12 months
- Interest (riba) payments — since riba is haram, interest cannot reduce your Zakat
- Rent for future months (not yet incurred)
Zakat al-Fitr vs Zakat al-Mal
These are two separate obligations that should not be confused:
| Aspect | Zakat al-Mal (زكاة المال) | Zakat al-Fitr (زكاة الفطر) |
|---|---|---|
| What | Annual wealth tax (2.5%) | End-of-Ramadan charity |
| Who | Muslims with wealth ≥ Nisab | Every Muslim (including dependents) |
| When | On your personal Hawl date | Before Eid al-Fitr prayer |
| Amount | 2.5% of net zakatable wealth | ~SAR 25-30 per person (KSA rate) |
| Calculator | This calculator | Fixed amount per person |
When to Pay Zakat — The Hawl (الحول)
Zakat becomes due after a full lunar (Hijri) year has passed since your wealth first reached the Nisab. This date is called your Hawl.
- Setting your Hawl: The Islamic date on which you first had Nisab-level wealth (e.g., 15 Ramadan 1446)
- Consistency: Pay Zakat on the same Islamic date every year
- Ramadan preference: Many Muslims choose Ramadan for extra reward, but your actual Hawl may differ
- Advance payment: You may pay Zakat before the Hawl is complete (this is permitted)
- Lunar vs Solar year: One Hijri year ≈ 354 days (shorter than the 365-day Gregorian year)
ZATCA & Individual Zakat in Saudi Arabia
While ZATCA primarily collects Zakat from businesses, they also support individuals:
- ZAKATY App: ZATCA launched the ZAKATY calculator in May 2025 — a simplified and detailed calculator for individuals
- Voluntary Payment: Individuals can pay Zakat through the ZAKATY platform, which distributes funds to eligible recipients via the Social Security Agency (ضمان اجتماعي)
- No enforcement: Individual Zakat is not monitored or enforced — it remains a personal duty between you and Allah
For detailed business Zakat filing, visit zatca.gov.sa — ZATCA's official portal for corporate Zakat returns, compliance, and e-invoicing.