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.

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