This zakat calculator adds up your zakatable wealth (cash, savings, gold, silver, trade goods and money owed to you), subtracts debts due now, compares the total with the nisab and, if it is reached, applies the 2.5% rate. Because gold and silver prices change daily, you type in today's price per gram.
Zakat is 2.5% (one fortieth) of zakatable wealth that has reached the nisab and been held for a lunar year. The nisab is the value of 85 grams of pure gold or 595 grams of pure silver. With 50,000 in savings and a nisab below that, zakat is 50,000 ÷ 40 = 1,250.
Enter your numbers and press Calculate.
For information only. This calculator follows the general method in ZATCA guidance. It is not a fatwa; for complex holdings (shares, businesses, debts) consult a qualified scholar.
How to use the Zakat calculator
- Enter cash at home and in bank accounts, then the weight and purity of gold and the weight of silver you hold as savings.
- Add the value of trade goods or investments held for sale, and money others owe you that you expect to receive.
- Enter debts you must pay now.
- Type today's gold price per gram (24k) and silver price per gram from a trusted local source, choose the nisab basis and press Calculate.
The formula
This follows the method in the Zakat, Tax and Customs Authority (ZATCA) guidance for individuals: value gold and silver at the price on the day zakat is due, convert gold to its pure weight by karat, and divide by 40 once the nisab is reached.
Worked example
Savings of 50,000 and 100 g of 21k gold, with gold at 400 per gram and the gold nisab. Pure gold = 100 × 21 ÷ 24 = 87.5 g, worth 35,000. Total = 85,000. Nisab = 85 × 400 = 34,000, which is reached, so zakat = 85,000 ÷ 40 = 2,125.
Who pays zakat, and on what?
Zakat is the third pillar of Islam: an annual payment of a fixed share of wealth to the categories of recipients named in the Quran (Surah at-Tawbah 9:60: the poor, the needy, those who collect it, those whose hearts are to be reconciled, freeing captives, people in debt, in the cause of Allah, and the stranded traveller). It is due from a Muslim who owns wealth at or above the nisab for one full lunar year (the hawl). The calculator focuses on the kinds of wealth most individuals hold:
- Cash and bank balances, including current and savings accounts, in any currency.
- Gold and silver kept as savings or investment, valued by pure weight at today's price.
- Trade goods: stock or property bought with the intention of selling it, valued at its current market price.
- Money owed to you that you expect to be repaid.
Your home, car, furniture and tools used for work are not zakatable, because they are for personal use rather than growth or sale.
The nisab in grams and in riyals
The classical nisab is 20 mithqal of gold or 200 dirhams of silver, which scholars commonly convert to 85 grams of pure gold or 595 grams of pure silver. Because the riyal value changes with the market, the calculator asks you for today's price per gram and multiplies it for you. If 24-karat gold is SAR 420 a gram, the gold nisab is 85 × 420 = SAR 35,700. Silver is far cheaper per gram, so the silver nisab is much lower, which means more people reach it. Many scholars recommend the silver measure for cash because it benefits more recipients; others use gold. Both are recognised, and the calculator lets you choose.
A fuller worked example in SAR
Suppose on your zakat date you hold:
- SAR 120,000 in bank accounts,
- SAR 30,000 lent to a relative who will repay it,
- 50 grams of 18-karat gold bars kept as savings,
- a credit card bill of SAR 10,000 due this month.
Pure gold = 50 × 18 ÷ 24 = 37.5 g. At SAR 420 per gram that is SAR 15,750. Zakatable wealth = 120,000 + 30,000 + 15,750 − 10,000 = SAR 155,750. This is above the gold nisab of SAR 35,700, so zakat is 155,750 ÷ 40 = SAR 3,893.75.
Notice that only the debt due now is deducted. A long-term home loan is usually not deducted in full; many scholars allow only the instalments that fall due within the year. If your situation includes a mortgage or a business, ask a scholar which approach to follow.
Choosing your zakat date
Zakat follows the lunar (Hijri) year. Many people pick a memorable date such as 1 Ramadan and pay on the same Hijri date every year, adding up everything they own on that day rather than tracking each deposit separately. Because the Hijri year is about 11 days shorter than the Gregorian year, your zakat date moves earlier each year in the Gregorian calendar. Our Hijri to Gregorian converter shows the matching Gregorian date; in the Umm al-Qura calendar, 1 Ramadan 1448 AH falls on 8 February 2027, although the actual start of Ramadan is announced after the moon sighting.
Companies in Saudi Arabia pay zakat to ZATCA under a separate regulation. ZATCA applies 2.5% to the zakat base for a Hijri year; when a company's financial year follows the Gregorian calendar, the rate is adjusted for the longer year (2.5% × 365 ÷ 354, about 2.578%). That business rule does not change how individuals calculate their own zakat.
Zakat on salary and savings
A common question is whether zakat is due on each salary. You don't owe it the day the salary lands. You owe it on whatever is still above the nisab when your zakat date comes round. Someone who saves SAR 2,000 a month and has SAR 60,000 in the bank on their zakat date pays 2.5% of that SAR 60,000 (SAR 1,500), even though some of it was deposited only recently, if they follow the common practice of a single annual date. Zakat al-Fitr, paid before the Eid prayer at the end of Ramadan, is a separate obligation per person and is not calculated with this tool.
Also useful: the Islamic inheritance calculator and the savings growth calculator.
Before you pay
Write down the figures you used and the date, so next year you can compare like with like. If you are unsure whether an asset is zakatable, or how to treat a business or a long-term debt, ask a qualified scholar. The calculator gives an estimate from the numbers you enter; it does not replace a ruling for your own situation.
FAQ
Is zakat due on jewellery I wear?
Scholars differ. ZATCA's simplified guide for individuals states that jewellery kept for personal use or lending is not zakatable, while gold kept as savings or for trade is. Ask a scholar you trust if unsure.
Gold or silver nisab: which should I use?
Both are accepted measures. The silver nisab is much lower, so more people reach it; many scholars recommend it as the more cautious choice for cash. ZATCA's calculator checks each against its own nisab.
Where do I get today's gold price?
Use a local jeweller, your bank or a trusted market source on the day your zakat is due. This calculator does not fetch live prices.
Do I pay zakat on my house or car?
No. Items for personal use, such as your home, car and furniture, are not zakatable unless held for trade.
Can I deduct my home loan before calculating zakat?
Generally only the debts due now. Many scholars allow deducting the instalments due within the coming year rather than the whole remaining loan; ask a scholar for your case.
Is zakat due on every salary payment?
No. Zakat is due on what you hold above the nisab on your annual zakat date, once a lunar year has passed on that wealth.
Sources
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