Use this zakat calculator to work out how much zakat you owe in Saudi riyals. Zakat is 2.5% of your net zakatable wealth once it has stayed above the nisab for a full lunar year, and the calculator sets the nisab from live gold and silver prices, so the threshold is always current.
Carrying your gold home? India allows 20 g or 40 g of jewellery duty-free for eligible passengers; see our Saudi to India gold allowance guide.
Zakatable assets — include only wealth held for a full lunar year.
Deductible liabilities — only debts due within the next 12 months.
Educational estimate, not a fatwa. Which assets are zakatable varies by school of thought — consult a qualified scholar for complex situations.
Related: gold rate in Saudi Arabia today · Hijri date today · all expat tools
How to Calculate Zakat Step by Step
- Add up your zakatable assets: cash and bank savings, gold and silver, investments, business stock and money owed to you.
- Subtract debts due within the next 12 months, such as a credit card balance or the next year of loan instalments.
- Compare the result with the nisab. If it is below the nisab, no zakat is due.
- If it is above the nisab and has been for a full lunar year (354 days), pay 2.5% of it.
| Item | Amount (SAR) |
|---|---|
| Cash and bank savings | 50,000 |
| Gold (market value) | 20,000 |
| Short-term debts | − 10,000 |
| Net zakatable wealth | 60,000 |
| Zakat due (2.5%) | 1,500 |
Nisab Today: Gold or Silver?
The nisab is the minimum wealth on which zakat becomes due. It equals the value of 612.36 g of silver or 87.48 g of gold (the 52.5 and 7.5 tola convention; some traditions use 595 g and 85 g). On 9 October 2026 the silver nisab was about SAR 4,380 and the gold nisab about SAR 43,598. Prices move every day, which is why the calculator above recalculates the nisab live.
The calculator uses the silver nisab by default. Its lower threshold means more people give zakat, which many scholars recommend because it benefits the poor. You can switch to the gold nisab in the first field.
What Counts as Zakatable Wealth?
| Zakat is due on | Zakat is not due on |
|---|---|
| Cash, bank and savings accounts | Your home and the land it stands on |
| Gold and silver (bars, coins and, in some views, jewellery) | Your car and household furniture |
| Shares, funds and other investments | Clothes, phones and personal items |
| Business stock and money owed to you | Tools and equipment you work with |
Zakat on Gold Jewellery
This is the question expat families ask most. The Hanafi school, followed by most people from Pakistan and India, and many Saudi scholars hold that zakat is due on gold jewellery. The Maliki, Shafi‘i and Hanbali schools generally exempt jewellery worn regularly. If you are unsure, include it: paying more zakat is never a loss. Enter its value at today’s gold rate in the “Gold” field.
How to Pay Zakat in Saudi Arabia
In Saudi Arabia, the Zakat, Tax and Customs Authority (ZATCA) collects zakat from businesses. Individuals, including expats, pay their own zakat directly to eligible recipients, or through official channels such as the national Ehsan platform. Many people choose to pay in Ramadan; Ramadan 1448 is expected to begin on 8 February 2027.
This calculator gives an educational estimate, not a fatwa. For complex situations, such as business partnerships or long-term debts, ask a qualified scholar.
Frequently Asked Questions
How much zakat do I pay in Saudi Arabia?
Zakat is 2.5% of your net zakatable wealth, as long as it has stayed above the nisab for a full lunar year. On SAR 60,000 of net savings, for example, zakat is SAR 1,500.
What is the nisab for zakat today?
The nisab is the value of 612.36 g of silver or 87.48 g of gold at today’s price. Our calculator works it out from live gold and silver prices, so the threshold is always current.
Should I use the gold or the silver nisab?
Many scholars recommend the silver nisab because its lower threshold means more people give zakat, which benefits the poor. Others use gold. The calculator lets you choose either.
Is zakat due on gold jewellery I wear?
Scholars differ. The Hanafi school and many Saudi scholars hold that zakat is due on gold jewellery, while the other three schools generally exempt jewellery that is worn regularly. Follow the view of a scholar you trust.
Do expats have to pay zakat to the Saudi government?
No. ZATCA collects zakat from businesses. Individuals pay their own zakat directly to eligible recipients or through official charity platforms such as Ehsan.