📿 Gold Zakat Calculator Saudi Arabia 2026

Calculate Zakat on gold instantly — check nisab threshold, all karat types (24K/22K/21K/18K), live Saudi gold prices, 2.5% Zakat calculation

Updated June 2026 • Nisab: 85g (24K) • Rate: 2.5%
If you own 85 grams or more of pure 24K gold (or equivalent value in other karats) for one lunar year, you must pay 2.5% Zakat. For 2026, the gold nisab is approximately SAR 47,600. (This 85g figure is the threshold published by Saudi Arabia's Zakat, Tax and Customs Authority — ZATCA. Some international Islamic calculators use 87.48g instead, based on a different classical conversion; either is defensible, but ZATCA's own guidance uses 85g.)

Calculate Your Gold Zakat

Enter total weight of all gold you own (jewelry, coins, bars)
📌 Note: Gold prices change daily. Current estimated price: SAR 560/gram (June 2026). Check latest live prices here. Price auto-updates daily.
Zakat is due after 12 lunar months (354 days)
Pure Gold Content 0g
Total Gold Value SAR 0
Zakat Due (2.5%) SAR 0
Nisab Threshold 85g (≈ SAR 47,600)

📖 How to Use This Gold Zakat Calculator

Our free Gold Zakat Calculator helps Muslims in Saudi Arabia accurately calculate their Zakat obligation on gold holdings for 2026. Whether you own 24K investment gold, 22K jewelry, 21K bridal sets, or 18K accessories, this tool checks if you've reached the nisab threshold and calculates exactly 2.5% Zakat in Saudi Riyals.

  1. Calculate Your Total Gold Weight
    Gather all your gold items and weigh them accurately using a digital scale. Include:
    • Jewelry: Necklaces, bracelets, rings, earrings, bangles
    • Gold coins: Saudi gold riyals, investment coins
    • Gold bars: Investment bars of any size
    • Stored gold: Gold in safety deposit boxes or at home
    Important: Do NOT include gold-plated items or costume jewelry — only solid gold counts for Zakat.
  2. Identify Gold Karat (Purity)
    Check the stamp or hallmark on your gold to determine its karat rating. Common karats in Saudi Arabia:
    • 24 Karat: 100% — Pure gold — investment bars, coins, some traditional jewelry
    • 22 Karat: 91.67% — Most common in Saudi jewelry shops
    • 21 Karat: 87.5% — Popular for bridal sets
    • 18 Karat: 75% — Western-style jewelry
  3. Check Current Gold Price
    Important: Gold prices in Saudi Arabia change daily based on international markets. The calculator pre-fills SAR 560/gram (June 2026 average), but you should:
    • Check today's price before calculating
    • Visit gold.sa for live rates
    • Call local gold souq in Riyadh, Jeddah, or Dammam
    • Update the price field in the calculator above
    Pro Tip: Bookmark this page and check prices weekly if you're close to nisab threshold!
  4. Enter Details & Calculate
    Fill in all fields accurately and click "Calculate Zakat" to see your results instantly.
  5. Pay Zakat to Eligible Recipients
    If you've met nisab and owned the gold for one lunar year (354 days), pay your Zakat to:
    • The poor and needy
    • Zakat collectors
    • Those whose hearts are to be reconciled
    • Those in debt
    • In the cause of Allah
    Recommended: Pay during Ramadan for extra rewards. Use trusted Saudi charities like Ehsan or Birr.

📊 Worked Examples: Gold Zakat Calculations

Let's walk through real calculations for different scenarios common in Saudi Arabia:

Example 1: Saudi Resident — Mixed Gold Jewelry

Scenario: Fatima from Riyadh owns the following gold jewelry:

Item Weight Karat Purity Pure Gold Content
Necklace 45g 22K 91.67% 45 × 0.9167 = 41.25g
Bangles 85g 21K 87.5% 85 × 0.875 = 74.38g
Rings & Earrings 30g 18K 75% 30 × 0.75 = 22.50g
Total Pure Gold 138.13 grams

Nisab Check: 138.13g > 85g nisab threshold ✅ Zakat is DUE

Final Zakat Calculation (using SAR 560/gram):
Total pure gold value: 138.13g × SAR 560 = SAR 77,352.80
Zakat @ 2.5%: SAR 77,352.80 × 0.025 = SAR 1,933.82
Result: Fatima must pay SAR 1,933.82 in Zakat.

Example 2: Pakistani Expat — Gold Investment

Scenario: Ahmed, working in Jeddah, owns:

Item Weight Karat Pure Gold Value (SAR)
24K Gold Bars 100g 24K (100%) 100g 100 × 560 = 56,000
22K Gold Coins 50g 22K (91.67%) 45.84g 45.84 × 560 = 25,670.40
Total 145.84g SAR 81,670.40

Total value: SAR 81,670.40
Zakat @ 2.5%: SAR 81,670.40 × 0.025 = SAR 2,041.76
Result: Ahmed must pay SAR 2,041.76 in Zakat.

⚖️ Islamic Ruling: Do You Pay Zakat on Jewelry?

This is a common question among Saudi residents. Here's what major Islamic scholars say:

Hanbali Madhab (Majority View in Saudi Arabia)

Under the Hanbali school followed in Saudi Arabia, the majority view is that Zakat is payable on all gold — whether worn regularly or kept in storage. The nisab is 85 grams of pure gold, the figure published in ZATCA's official Zakat guidance. Some scholars across other schools hold that gold worn daily for personal adornment is exempt; if you follow a specific scholar or school with a different ruling on jewelry, defer to their guidance.

Hanafi Madhab (Alternative View)

Some scholars exempt jewelry worn for personal use from Zakat. However, investment gold, coins, and bars are always subject to Zakat. Since Saudi Arabia follows Hanbali fiqh, residents should pay Zakat on all gold holdings to be safe.

Important: When in doubt, pay Zakat. It's better to give extra than to neglect an obligation.

When Zakat Becomes Obligatory:

Reviewed by the Saudi Utility Hub Editorial Team
Reviewed against widely accepted Zakat rulings and official guidance.

Last reviewed: June 2, 2026 | Next review: December 2026
Verified against fatwas from General Presidency of Scholarly Research and Ifta and market data from Saudi Central Bank (SAMA).
Learn more about our review process.

📜 Official Sources

Disclaimer: Calculator results are estimates only. Verify your final Zakat amount with a qualified Islamic scholar or trusted charity before payment.

❓ Frequently Asked Questions About Gold Zakat

What is the nisab for gold in 2026?
The nisab for gold is 85 grams of pure 24K gold — the figure published in ZATCA's official Zakat guidance, derived from the classical measure of 20 mithqal. At current Saudi gold prices (June 2026), this equals approximately SAR 47,600. If you own gold worth this amount or more for one lunar year, you must pay 2.5% Zakat. Note: some international Islamic calculators use 87.48g instead, based on a different (3-troy-ounce) conversion — both figures are used by reputable sources, so if you follow a specific scholar or local authority with a different number, use theirs.
How is Zakat calculated on gold?
Zakat on gold is calculated at 2.5% (or 1/40th) of the total value of your gold holdings. First, determine the pure gold content based on karat (24K=100%, 22K=91.67%, 21K=87.5%, 18K=75%). Multiply by current market price per gram, then multiply by 2.5%.
Do I pay Zakat on gold jewelry?
According to the majority view under the Hanbali madhab followed in Saudi Arabia, Zakat is payable on all gold jewelry regardless of whether it's worn regularly. The nisab threshold is 85 grams of pure gold, per ZATCA's published guidance. Some scholars from other schools hold that gold worn daily for personal adornment is exempt — check with your own scholar or school if you follow a different ruling.
What is the Zakat rate for gold?
The Zakat rate for gold is 2.5% (one-fortieth or 1/40) of the total value. This rate has been fixed since the time of Prophet Muhammad (PBUH) and applies to all Muslims who meet the nisab threshold.
Can I use silver nisab instead of gold nisab?
Yes, some scholars allow using the silver nisab (612.36 grams) which is lower in value (approximately SAR 6,742 in 2026). This benefits those with assets between the two thresholds. However, most Saudi scholars recommend using gold nisab for gold holdings.
Do expatriates in Saudi Arabia pay Zakat on gold?
Yes, Zakat is obligatory on all Muslims regardless of nationality or residence. If you're a Muslim expatriate living in Saudi Arabia and own gold meeting the nisab threshold for one lunar year, you must pay 2.5% Zakat.
What if I own gold for less than a year?
Zakat is only due after you've owned gold meeting the nisab threshold for one complete lunar year (354 days). If you acquired gold 6 months ago, wait until the full year passes. However, you can pay Zakat voluntarily earlier if you wish.
How often should I check gold prices for Zakat calculation?
Gold prices change daily in Saudi Arabia. For accurate Zakat calculation, check the current price on the day you calculate. You can find live prices at Saudi Gold & Jewellery Group website or local gold souq markets in Riyadh, Jeddah, or Dammam.
Can I pay Zakat in cash instead of gold?
Yes, absolutely. You pay the CASH VALUE of 2.5% of your gold. You don't give actual gold pieces. Use our calculator to get the SAR amount, then donate that cash to eligible recipients or Islamic charities.
Where can I pay Zakat in Saudi Arabia?
You can pay through: (1) Official Saudi charities like Ehsan (eksan.org) or Birr (birr.com), (2) Local mosques and Islamic centers, (3) Directly to poor and needy individuals, (4) ZATCA for official Zakat collection. Always get a receipt for your records.

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⚠️ Disclaimer: All results are estimates based on publicly available Saudi government regulations and rates. Always verify important financial or legal decisions with your employer, bank, or the relevant Saudi authority (Ministry of Human Resources, GOSI, ZATCA, Jawazat, or SAMA).