Zakat Calculator - Gold, Silver & Property

Your Assets & Debts

Enter your savings, gold, and investments to calculate your Zakat obligation.

How to Calculate Your Zakat

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Step 1: Enter Your Cash & Savings

Enter all cash in hand, bank account balances, and savings accounts in SAR. Include current accounts, savings accounts, and fixed deposits that have completed one lunar year.

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Step 2: Enter Gold & Silver Holdings

Enter the weight of your gold and silver in grams. Use the current market price per gram. The calculator multiplies weight by price to determine the value of your precious metals.

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Step 3: Enter Investments & Debts

Enter your current investment/stock portfolio value. Then enter any immediate debts (short-term obligations due within the year) to subtract from your total assets.

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Step 4: View Nisab Status & Zakat Due

The calculator checks if your net wealth exceeds the Nisab threshold (85 grams of gold value). If yes, Zakat of 2.5% is calculated on your net wealth.

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Step 5: Review Asset Breakdown

Review the detailed breakdown showing each asset category, total assets, debts deducted, and final net wealth used for Zakat calculation.

Understanding Zakat Calculation

Zakat is calculated based on these principles: 1. Nisab: The minimum threshold equivalent to 85 grams of gold. If your net wealth is below this, no Zakat is due. 2. Zakat Rate: 2.5% (1/40) of net wealth exceeding Nisab. 3. Assets Included: Cash, gold, silver, investments, stocks, business inventory, and other liquid assets. 4. Assets Excluded: Personal residence, personal vehicles, household furniture, and business equipment. 5. Debts Deducted: Immediate/short-term debts can be deducted. Long-term debts (mortgage) are not typically deducted.

Example Calculation

Individual with savings and gold Cash Savings: SAR 50,000 Gold: 50 grams × SAR 300 = SAR 15,000 Investments: SAR 20,000 Total Assets: SAR 85,000 Debts: -SAR 5,000 Net Wealth: SAR 80,000 Nisab: 85 × 300 = SAR 25,500 Net Wealth (80,000) >= Nisab (25,500): Zakat Due Zakat: 80,000 × 2.5% = SAR 2,000

Frequently Asked Questions About Zakat

What is the Nisab threshold?
The Nisab is the value of 85 grams of gold. At SAR 300/gram, it's SAR 25,500. If your net wealth exceeds this, Zakat is due at 2.5%.
Do I pay Zakat on gold and silver?
Yes, gold and silver are Zakatable at their market value, regardless of whether for personal use or investment.
Do I pay Zakat on investments?
Yes, stocks, mutual funds, and other financial investments are subject to Zakat at their current market value.
Can I deduct debts before Zakat?
Yes, immediate short-term debts due within the year can be deducted from total assets.
When should I pay Zakat?
Zakat is due after one lunar year from when your wealth first exceeded Nisab. Many pay during Ramadan.
What is the current gold price?
Gold prices fluctuate. Check current rates from the Saudi Gold Market or reliable online sources on calculation day.
Are personal assets subject to Zakat?
Personal residence, vehicles, and household items are not Zakatable. Only liquid/income-generating assets are included.

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This calculator provides estimates based on standard Zakat rules. Consult a qualified Islamic scholar for definitive guidance on your specific situation.

Zakat on Gold 2026: Nisab (85 g) & the 2.5% Rule

Zakat on gold is one of the most common questions for Muslims saving or investing in Saudi Arabia. Under the nisab rule, zakat becomes obligatory once your pure gold content reaches 85 grams (or 595 grams of silver) and one full Hijri year (haul) has passed.

To work out zakat on gold, first find the pure gold content: weight in grams multiplied by the karat divided by 24. For example, 100 g of 21K gold equals 87.5 g of pure gold — just above the 85 g nisab. The zakat rate is then 2.5% (1/40) of the current market value of that pure gold.

The calculator above does this for you in both gold and silver, including the 22K, 21K and 18K karat adjustments. For the full fiqh background on haul, nisab and jewelry rulings, read our Zakat calculation guide for Saudi Arabia 2026 and to compare gold zakat with growing your wealth through regular investments, try the SIP investment return calculator so you can plan your zakat alongside your savings strategy.

Zakat on Property: When It Applies (Personal vs Rental vs Resale)

Whether zakat applies to property in Saudi Arabia depends on how the property is used. A personal residence is not a zakatable asset — there is no zakat on the home you live in. Likewise, a rental property is not zakatable itself.

However, zakat does apply in two situations. First, rental income that you save: once the saved amount reaches nisab and one Hijri year passes, 2.5% zakat is due on it — exactly like saved cash. Second, property held for resale as a trade asset: zakat of 2.5% is due on the current market value.

Use the Property & Investment mode above to see the ruling for your case, and the Cash & Savings mode to calculate zakat on any saved rental income.

For a complete walkthrough of every asset category, visit the Zakat calculation guide 2026 , and use the SIP calculator to plan how you invest the remainder after paying zakat.

Read the Zakat on property guide for Saudi Arabia

Zakat on Gold & Property: Quick Answers

How much is zakat on gold?
Zakat on gold is 2.5% of its market value. Find the pure gold content (grams x karat/24), compare it to the nisab of 85 g, and apply 2.5% to the current market value. In the view commonly followed in Saudi Arabia, regularly-worn gold jewelry is not zakatable.
What is the gold nisab in grams?
The nisab for gold is 85 grams of pure gold, and for silver it is 595 grams. Zakat becomes due only when your zakatable wealth reaches this threshold and one full Hijri year (haul) has passed.
Do I pay zakat on my house?
Your personal residence is not zakatable — there is no zakat on the house you live in. If you rent it out, zakat applies to the rental income you save, not the property itself. If you buy a property to resell as a trade asset, 2.5% zakat applies to its market value.
Is there zakat on rental income?
There is no zakat on the rental property itself. Zakat (2.5%) applies to the rental income once it reaches nisab and a full Hijri year passes — treat it like saved cash in the cash & savings zakat calculator.
Is there zakat on small savings?
Yes, if your total savings reach the nisab (the value of 85 g of gold) and one Hijri year passes, 2.5% zakat applies. For example, on SAR 500 at the nisab value: 500 x 2.5% = SAR 12.50. Amounts below nisab have no zakat.

Zakat rulings can differ by school of thought. This calculator provides estimates based on the commonly applied 2.5% rate and standard nisab values. For specific cases, consult a qualified Islamic scholar.

Last updated: July 2026 · Based on Islamic Zakat rules and Saudi gold prices