Zakat Calculator KSA
Calculate your annual Zakat obligation in Saudi Arabia based on Islamic principles. Enter your Zakat-eligible assets and liabilities to get the Zakat amount, Nisab threshold, and detailed breakdown. Based on standard Hanafi calculations with a 2.5% rate. This is for informational purposes only—consult a qualified Islamic scholar for personalized guidance. Explore more tools on free calculators on CalculatorBolt.
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Zakat Calculator KSA
Select your preferred Islamic jurisprudence school.
Standard rate is 2.5% (1/40).
| Asset Type | Amount/Quantity | Value (SAR) | Action |
|---|
﷼
Debts due within the year that can be deducted from Zakat calculation.
| Commodity | Grams | Price/Gram (SAR) | Nisab (SAR) |
|---|---|---|---|
| Gold | 20,120 SAR | ||
| Silver | 1,837 SAR |
How It Works
This Zakat calculator follows Islamic principles to determine your annual Zakat obligation:
Step 1: Total Zakat-Eligible Assets = Sum of all qualifying assets (gold, silver, cash, savings, investments, business inventory, receivables)
Step 2: Net Zakatable Wealth = Total Assets - Short-Term Liabilities
Step 3: Zakat Amount = Net Zakatable Wealth × 2.5% (if Net Wealth ≥ Nisab)
Nisab Threshold: ~20,120 SAR (based on 87.48 grams of gold at ~230 SAR/gram)
Zakat becomes obligatory when your net wealth exceeds the Nisab threshold for one complete lunar year (Hawl). The standard Zakat rate is 2.5% (1/40) of your Zakatable wealth.
Inputs Explained
- Calculation Method
- Select your preferred school of Islamic jurisprudence. The calculator uses the standard 2.5% rate agreed upon by all major schools.
- Asset Type
- Types of Zakat-eligible wealth: Gold, Silver, Cash, Bank Savings, Investments (Stocks/Bonds), Business Inventory, Receivables (money owed to you), and Other qualifying assets.
- Amount/Quantity
- The amount or quantity of each asset. For precious metals, enter weight in grams. For monetary assets, enter the value in SAR.
- Value (SAR)
- The current market value of each asset in Saudi Riyals. The calculator will sum all asset values to determine your total Zakatable wealth.
- Liabilities (Debts)
- Short-term debts due within the year that can be deducted from your total assets. Most scholars allow deduction of debts from Zakat calculation.
- Nisab Threshold
- The minimum amount of wealth required before Zakat becomes obligatory, calculated as 87.48 grams of gold or 612.36 grams of silver at current market prices.
Example Calculation
Average Person Scenario
- Assets:
- • Cash: 10,000 SAR
- • Bank Savings: 20,000 SAR
- • Gold: 0 SAR
- Total Assets: 30,000 SAR
- Liabilities: 5,000 SAR
Calculation:
Net Zakatable Wealth = 30,000 - 5,000 = 25,000 SAR
Nisab Check: 25,000 SAR > 20,120 SAR (Nisab) ✓ Zakat Due
Zakat Amount = 25,000 × 2.5% = 625 SAR
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Tips & Notes
- One Lunar Year (Hawl): Zakat is due on wealth that has been in your possession for one complete lunar year (approximately 354 days). Set a specific date each year to calculate your Zakat.
- Include All Eligible Assets: Don't forget to include all forms of wealth: cash, bank accounts, stocks, bonds, business inventory, gold, silver, and money owed to you that you expect to receive.
- Personal-Use Exemption: Your primary residence, personal vehicle, furniture, and clothing are not subject to Zakat. Only wealth held for investment or savings is Zakatable.
- Jewelry Rules: Scholars differ on jewelry. Some say all gold/silver jewelry is Zakatable, others exempt jewelry worn regularly. Consult a scholar for your situation.
- Subtract Liabilities: According to most scholars, you can deduct short-term debts (due within the year) from your total assets before calculating Zakat. Long-term debts like mortgages have different rulings.
- Use the Lower Nisab: When Nisab values for gold and silver differ significantly, many scholars recommend using the lower value (silver) to benefit more recipients, though gold-based Nisab is more common.
- Update Prices: Gold and silver prices fluctuate. Update the Nisab calculator with current market prices in Saudi Arabia for accurate calculation.
- Business Owners: If you own a business, include the value of inventory and receivables, but not fixed assets like equipment and property used in operations.
- Stocks & Investments: Include the current market value of stocks, bonds, and investment accounts. Some scholars distinguish between growth and dividend-paying stocks.
- Give Promptly: Once Zakat becomes due, it should be paid promptly. Delaying payment without valid reason is not permissible.
Frequently Asked Questions
The Nisab is the minimum threshold of wealth a Muslim must possess before Zakat becomes obligatory. It is calculated as 87.48 grams of gold or 612.36 grams of silver. At current gold prices in Saudi Arabia (~230 SAR per gram), the gold-based Nisab is approximately 20,120 SAR. The silver-based Nisab (~3 SAR per gram) is approximately 1,837 SAR. Most scholars use the gold-based Nisab, though using the silver-based Nisab benefits more recipients.
Zakat is calculated as 2.5% (1/40) of your net Zakat-eligible assets held for one complete lunar year (Hawl). First, sum all Zakat-eligible assets (gold, silver, cash, savings, investments, business inventory, receivables). Then subtract short-term liabilities. If the result exceeds the Nisab threshold, multiply by 0.025 to get your Zakat amount. Formula: Zakat = (Total Assets - Liabilities) × 2.5%.
Zakat-eligible assets include: gold and silver (jewelry, coins, bullion), cash and bank savings (checking, savings, certificates), stocks and investments (shares, bonds, mutual funds), business inventory and merchandise for sale, money lent to others (receivables you expect to collect), and retirement funds that are accessible. Personal-use items like your primary residence, personal vehicle, furniture, clothing, and work tools are NOT subject to Zakat.
This calculator uses the standard 2.5% Zakat rate which is agreed upon by all four major schools of Islamic jurisprudence (Hanafi, Shafi'i, Maliki, and Hanbali). Minor differences exist in what specific assets are considered Zakat-eligible (particularly regarding jewelry and business assets) and whether debts can be deducted. The calculator provides the standard calculation; consult a qualified Islamic scholar familiar with your preferred school for specific guidance.
Yes, according to most scholars, short-term debts and liabilities that are due within the year can be deducted from your Zakat-eligible assets. This includes personal loans, credit card debt, and business payables. Long-term debts like mortgages are treated differently by different schools of thought—some allow full deduction, others partial, and some don't allow deduction of mortgage debt. Consult a qualified Islamic scholar for your specific situation.
No. All calculations run entirely in your browser. No financial data is sent to any server or stored online. Your information remains completely private and confidential. Use the Export or Share Link features to save your calculation locally for your personal records or to share with your Islamic financial advisor.
Zakat becomes due after your wealth exceeds the Nisab threshold for one complete lunar year (Hawl). Many Muslims calculate and pay Zakat during Ramadan to receive the multiplied rewards of giving charity during the blessed month, though it can be paid any time after the Hawl is complete. It's recommended to set a specific Islamic date each year as your Zakat anniversary to calculate and pay your Zakat obligation. Once due, Zakat should be paid promptly.
Zakat (Zakat al-Mal) is the annual 2.5% charity on wealth held for one year, calculated using this calculator. It's based on your total Zakatable wealth and only obligatory if you exceed the Nisab threshold. Zakat al-Fitr is a smaller, separate charity paid before Eid prayer at the end of Ramadan by every Muslim who has food for the day. In Saudi Arabia, Zakat al-Fitr is typically around 25-30 SAR per person. Both are obligatory but have different calculations, timing, and purposes.
Disclaimer
Informational tool based on standard Hanafi calculations. This calculator provides an estimate of your Zakat obligation based on the information you provide and standard Islamic principles. Different schools of Islamic jurisprudence may have slightly different interpretations regarding which assets are Zakatable, how liabilities are treated, and other specific circumstances. The calculator uses the universally accepted 2.5% rate and gold-based Nisab threshold. For personalized advice tailored to your specific financial situation and preferred school of thought, please consult a qualified Islamic scholar or Islamic finance professional. This tool is for informational purposes only and does not constitute religious or financial advice.
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