Calculate Zakat on all assets: cash, gold, silver, business inventory, investments. 2.5% rate, nisab thresholds
Updated June 2026 • Rate: 2.5% • Gold Nisab: SAR 47,600
In Saudi Arabia 2026, Zakat is 2.5% of your total zakatable wealth (cash, gold, silver, business assets) that exceeds the nisab threshold (SAR 47,600 using the gold standard published by ZATCA) after one lunar year.
Calculate Your Complete Zakat
Include bank accounts, cash at home, and liquid investments.
Total market value of all gold holdings (use our Gold Zakat Calculator).
Total market value of all silver holdings.
Current market value of business goods for sale.
Stocks, mutual funds, and other investment assets.
Money owed to you that you expect to receive.
Total Zakatable WealthSAR 70,000
Nisab ThresholdSAR 47,600
Wealth Above NisabSAR 21,011
Zakat Due (2.5%)SAR 1,750
📖 How to Use This Complete Zakat Calculator
Our free complete Zakat calculator helps Muslims in Saudi Arabia accurately calculate their total Zakat obligation for 2026 across all asset types. Whether you have simple savings or complex business holdings, this tool ensures you fulfill your religious duty correctly.
Gather All Zakatable Assets Collect values for cash/savings, gold, silver, business inventory, investments, and receivables. Exclude personal items like your home, car, and clothing.
Enter Asset Values Input the current market value of each asset category in SAR. Use our Gold Zakat Calculator for accurate gold valuation.
Check Nisab Threshold The calculator uses the gold nisab threshold of SAR 47,600 (85g × SAR 560/gram), the figure published in ZATCA’s official Zakat guidance.
Calculate Total Zakat See your total zakatable wealth, amount above nisab, and exact 2.5% Zakat due.
Pay to Eligible Recipients Distribute your Zakat to the poor, needy, or through trusted Saudi charities like Ehsan or Birr.
📊 Worked Examples: Complete Zakat Scenarios
Example 1: Professional with Savings and Gold
Scenario: Ali from Riyadh has SAR 25,000 in savings, SAR 35,000 in gold, and SAR 10,000 in investments.
Asset Type
Value (SAR)
Cash & Savings
25,000
Gold
35,000
Investments
10,000
Total Zakatable Wealth
70,000
Nisab Threshold
47,600
Wealth Above Nisab
21,011
Zakat Due (2.5%)
1,750
Example 2: Business Owner
Scenario: Fatima runs a retail business in Jeddah with SAR 15,000 cash, SAR 20,000 gold, SAR 50,000 business inventory, and SAR 25,000 investments.
Asset Type
Value (SAR)
Cash & Savings
15,000
Gold
20,000
Business Inventory
50,000
Investments
25,000
Total Zakatable Wealth
110,000
Nisab Threshold
47,600
Wealth Above Nisab
61,011
Zakat Due (2.5%)
2,750
Reviewed by the Saudi Utility Hub Editorial Team
Reviewed against widely accepted Zakat rulings and official guidance.
gold.sa – Live gold and silver prices in Saudi Arabia.
Disclaimer: Calculator results are estimates only. Verify your final Zakat amount with a qualified Islamic scholar before payment.
❓ Frequently Asked Questions
What assets are zakatable in Saudi Arabia?
Zakatable assets include: cash/savings, gold, silver, business inventory, investments, and receivables. Personal items like clothing, primary home, and car are exempt.
What is the nisab threshold for Zakat in 2026?
The nisab threshold is SAR 47,600 (based on the 85g of 24K gold figure published by ZATCA at SAR 560/gram) or SAR 6,742 (based on 612.36g of silver at SAR 11/gram). The gold nisab is the more commonly used standard in Saudi Arabia.
What is the Zakat rate?
The Zakat rate is 2.5% (one-fortieth) of your total zakatable wealth that exceeds the nisab threshold after one lunar year.
Do I pay Zakat on my salary?
You pay Zakat on your savings, not your monthly salary. If you have savings that remain above nisab for one lunar year, Zakat is due on that amount.
Is business inventory zakatable?
Yes, business inventory is zakatable at its current market value, not purchase price.
Do I pay Zakat on stocks and investments?
Yes, stocks and investments are zakatable at their current market value if held for investment purposes.
What about money I've lent to others?
Receivables (money you've lent) are zakatable when you reasonably expect to receive them back.
Can I use silver nisab instead of gold?
Yes, some scholars allow using the lower silver nisab (SAR 6,742), which benefits those with moderate wealth and widens who qualifies to pay. The gold nisab (SAR 47,600) is the more commonly used standard in Saudi Arabia, per ZATCA’s published guidance.
When does Zakat become obligatory?
Zakat becomes obligatory when: (1) Your zakatable wealth meets nisab, (2) One lunar year (354 days) has passed since reaching nisab, (3) You have complete ownership of the assets.
Where can I pay Zakat in Saudi Arabia?
Pay through trusted charities like Ehsan (eksan.org), Birr (birr.com), local mosques, or directly to eligible recipients.
🔗 Related Free Tools
📿 Gold Zakat Calculator
Calculate Zakat on gold holdings. Nisab: 85g, rate: 2.5%.
All asset types, nisab thresholds, scholarly opinions, payment methods.
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Zakat on Business Assets — Complete Guide
How to value inventory, receivables, and investments for Zakat.
📅 May 2026 ⏱️ 10 min read
⚠️ 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).
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