Zakat Calculator Saudi Arabia (2025)

Simplify Your Zakat Calculation in Riyals

Calculating your Zakat does not have to feel complicated. Our Zakat Calculator in SAR makes it simple by breaking everything down into two parts:

• Zakatable assets – gold, silver, cash, savings, investments, and business stock.
• Deductible liabilities – debts or payments you owe in the next 12 months.

Once you enter your details, the calculator works out your net assets and instantly shows how much Zakat you owe in Saudi Riyals.

How Zakat is Calculated

1. Add up all zakatable assets you have owned for one full lunar year.
2. Subtract your short-term debts and liabilities.
3. If your remaining wealth is equal to or above the Nisab threshold, you pay 2.5% (one-fortieth) as Zakat.

Example:
If your net assets equal SAR 50,000, your Zakat will be SAR 1,250.

What is Nisab?

Nisab is the minimum amount of wealth a Muslim must have before Zakat becomes obligatory.

For 2025, Nisab can be calculated using the value of either:

• 87.48g of gold → approx. SAR 8,500+
• 612.36g of silver → approx. SAR 2,500+

(Values change with market prices, so always check the latest rates.)

What Counts as Zakatable Assets?

You should include:

• Cash in hand or bank accounts.
• Cash saved for future purposes (e.g. Hajj funds).
• Loans you have given out and expect to be repaid.
• Investments like shares, savings certificates, and pensions.
• Gold and silver you possess.
• Business stock or goods held for trade.

What Liabilities Can You Deduct?

You can subtract debts that are due within 12 months:

• Loan repayments due this year.
• Credit card bills or arrears.
• Rent, utilities, or other overdue payments.

❌ You cannot deduct:

• Future expenses not yet due.
• Interest payments (riba).
• Long-term debts beyond 12 months (except installments due this year).

Common Questions About Zakat Calculation

Is Zakat on income or savings?
Zakat is not a tax on your salary. It is due on wealth you have held for a full lunar year – including savings, gold, investments, and trade goods.

How do I calculate Zakat on cash?
Add up all the cash you have (home + bank + loans owed to you). Subtract debts due. If the balance is above the Nisab threshold, pay 2.5%.

Do I pay Zakat on debts owed to me?
Yes, if you are confident they will be repaid. These should be included in your total assets.

When is Zakat due?
Zakat becomes due once one lunar year passes after you first reached Nisab. Many people pay during Ramadan, but you can choose any date you first became eligible.

How much is Nisab in Saudi Riyals for 2025?
Nisab is based on the value of gold or silver. For 2025, Nisab is approx. SAR 8,500 (gold, 87.48g) or SAR 2,500 (silver, 612.36g). Always check current gold and silver prices for accuracy.

Do I pay Zakat on property or cars?
You do not pay Zakat on your home, car, or personal belongings. Zakat is only due on wealth intended for trade or investment. For example, a rental property is zakatable, but the house you live in is not.

How do I calculate Zakat on gold and silver?
Find the market value of all the gold and silver you own. Add it to your other zakatable assets. If the total exceeds Nisab, pay 2.5%.

Do I need to pay Zakat on business stock?
Yes. The value of goods held for trade (at current market value) must be included when calculating Zakat. This is in addition to your cash and other assets.

Use Our Zakat Calculator (SAR)

Enter your values above for cash, gold, silver, savings, investments, and trade stock. Deduct your short-term debts, and our calculator will show exactly how much Zakat you owe in Saudi Riyals.