Zakat on Wealth Calculator
- Zakat on wealth: ZATCA guidance and classical fiqh
- Read against the statuteSeptember 2026
Zakat on wealth: ZATCA guidance and classical fiqh
Work out zakat on your wealth after debts, against a nisab built from the gold price you enter.
Calculate zakat on your cash, gold and investments after deducting debts, with the nisab worked out automatically from the gold price you enter.
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How is zakat on wealth calculated?
- Net zakatable wealth = cash + gold value + trade investments + money owed to you − debts you owe
- Nisab = 85 grams × the price of a gram of gold
- Zakat = net × 2.5% on a lunar year, or × 2.577% on a solar one
- No zakat is due if the net is below the nisab, or a full year has not passed
Symbols
- nisab
- 85 grams of gold, whose money value moves with the gram price, which is why that price is a field you set
- the year
- A full lunar year on the wealth. Accounting on a solar year raises the rate to 2.577% to cover the extra days
- debts
- What falls due within the year comes off, and money owed to you goes on; a debt you do not expect to recover waits until it is paid
What is the zakat on 100,000 with 10,000 of debt?
Someone holds 100,000 SAR in cash in their bank account, owes 10,000 SAR in debts due within the year, the gold price is 519 SAR per gram, and a full lunar year has passed over the money.
- Nisab: 85 × 519 = 44,115 SAR
- Net zakatable wealth: 100,000 − 10,000 = 90,000 SAR, which is above the nisab
- Zakat: 90,000 × 2.5% = 2,250 SAR
Zakat due is 2,250 SAR. If the same person counted their year on the solar calendar, the zakat would be 90,000 × 2.577% = 2,319.30 SAR.
What counts as zakatable wealth, and what does not?
Zakat on wealth is due at 2.5% (one-fortieth) of your net zakatable wealth once it reaches the nisab and a full lunar year has passed over it. The nisab used by this calculator is the value of 85 g of 24k gold, worked out from the price per gram you enter; that price is a reference value you can change to the market price on the day you pay.
Zakatable wealth includes cash and bank balances, gold at its market value, shares and investments held for trading at their current value, and money owed to you that you expect to recover. Debts you owe that fall due within the year are deducted, and if the net figure after deduction is below the nisab, no zakat is due this year.
If you count your zakat year on the solar calendar instead of the lunar one, the solar year is about 11 days longer, so the calculator applies 2.577% instead of 2.5% to make up the difference. This is an estimate for zakat on money; long-term shareholdings, property and crops have their own rules, so check those with a qualified scholarly authority.
- Net zakatable wealth = cash + gold value + trading investments + receivables you expect back − debts you owe within the year
- Nisab = 85 g × the gold price per gram (at 519 SAR per gram the nisab is 44,115 SAR)
- Zakat = net zakatable wealth × 2.5% for a lunar year, or × 2.577% for a solar year
- No zakat is due if the net figure is below the nisab or a full year has not passed
Questions about zakat on wealth
What is the nisab for zakat on money?
The nisab is the minimum your wealth must reach before zakat is due, and it is set at the value of 85 g of gold. At 519 SAR per gram the nisab is 44,115 SAR; it moves with the gold price, so update the price per gram on the day you pay. Sheikh Ibn Baz put the nisab at 92 g, so if you follow his view your nisab is higher than the one shown here.
Are the debts I owe deducted from my zakatable wealth?
The calculator deducts debts you owe that fall due within the year from your total zakatable wealth, then compares the net figure with the nisab. Long-term instalments such as a mortgage are a matter of scholarly difference; the more cautious approach is to deduct only the instalments due within the zakat year.
Is zakat due on gold jewellery?
Scholars differ. Sheikh Abdulaziz Ibn Baz held that zakat is due on all gold jewellery once it reaches the nisab and a lunar year has passed, even jewellery kept for wearing. The majority of jurists, and Kuwait's Zakat House, hold that jewellery a woman wears within what is customary carries no zakat, while jewellery beyond that, jewellery she no longer wears and jewellery kept as savings does. Enter jewellery worn within what is customary under worn jewellery, and anything beyond that, no longer worn or kept as savings under gold kept as savings. Then choose the view you follow: the calculator gives your zakat under it and names the figure under the other. Each karat is valued at its purity against the 24k price per gram.
Do shares and investment funds count as zakatable wealth?
Shares and funds bought to trade are zakatable at their market value on the day you pay, so enter them under investments. Shares held as a long-term investment are treated differently, and the company may already have paid zakat on them, so check with the company or a qualified scholarly authority.
What is the difference between 2.5% and 2.577%?
2.5% is the zakat rate for a lunar year (about 354 days). Because the solar year is about 11 days longer, anyone who counts their year on the Gregorian calendar pays 2.577% so that the amount of zakat does not fall short over the years.
When does the zakat year start?
The year starts on the day your wealth first reaches the nisab, and zakat is paid once a full lunar year has passed from that date. Money added during the year, such as monthly salary, is commonly paid on together with the original wealth on the same date for simplicity, and money spent before the year ends is not zakatable.
Sources
Read against the statuteReviewed September 2026Statutory articles this calculator applies
- Zakat on wealth: ZATCA guidance and classical fiqh
- Reference 24k gold price per gram used for the nisab
- Valuing each karat at its purity, as the Gulf hallmarking laws define it
- Zakat on gold by the pure gold it holds, at the 24k price
- Zakat on worn jewellery: a question scholars differ on
- Sheikh Abdulaziz Ibn Baz, fatwa 9631: zakat on jewellery and the gold nisab
- Islamweb Fatwa Centre, fatwa 6237: zakat on jewellery kept for wear
- Kuwait Zakat House, fatwa 24279: jewellery a woman keeps for her own wear
- Zakat on savings from a salary: fatwas of Ibn Baz and Ibn Uthaymeen
- Sheikh Abdulaziz Ibn Baz, fatwa 17661: how to pay zakat on a monthly salary
- Sheikh Abdulaziz Ibn Baz, fatwa 3205: zakat on the monthly salary
- Sheikh Abdulaziz Ibn Baz, fatwa 5783: conditions for zakat on a monthly salary
- Sheikh Muhammad ibn Salih Ibn Uthaymeen: zakat on monthly salaries