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Zakat Calculator — Saudi Arabia

Calculate your 2.5% Zakat in SAR on cash, gold, silver and investments, with the nisab set from live metal prices. No signup, no account needed.

SAR
Zakat due (2.5%)SAR 2,500
Net zakatable wealthSAR 100,000
You keepSAR 97,500
Calculated live on this page · 2.5% of wealth above nisab. Open the full tool →

Zakat in Saudi Arabia: mandatory for companies, voluntary for individuals

Saudi Arabia is unusual in the Muslim world in that zakat has a formal tax-authority arm: the Zakat, Tax and Customs Authority (ZATCA) assesses and collects zakat from Saudi- and GCC-owned businesses as a legal, mandatory obligation, alongside its role collecting VAT and customs duties. For individuals, ZATCA's own published guidance describes zakat as a religious duty (fard) under rulings issued by the Permanent Committee for Scholarly Research and Ifta, but explicitly states that this guidance "may not be considered a legal instrument" binding on individuals — personal zakat is a matter of conscience, and ZATCA offers channels to pay it rather than compelling it the way it does with company zakat. This calculator applies the standard 2.5% rate on net wealth held for a full lunar year (hawl) above the nisab — the value of 87.48g of gold or 612.36g of silver.

What wealth is zakatable?

Worked example

If your net zakatable wealth (above nisab, held one lunar year) is ر.س1,000,000:

Scale to your own wealth — zakat is simply 2.5% of the net total above nisab.

Mandatory business zakat under ZATCA

For Saudi- and GCC-owned companies, ZATCA charges zakat annually at a fixed 2.5% of the company's "zakat base" — broadly, adjusted shareholders' equity plus long-term liabilities, minus long-term (fixed) assets — rather than 2.5% of profit. This is a compulsory filing: zakat returns are due to ZATCA within 120 days of the company's financial year-end. Where a company has mixed ownership, the calculation splits: the portion of income attributable to non-Saudi/non-GCC shareholders is instead taxed as ordinary corporate income tax at 20% of net adjusted profits, while the Saudi/GCC-owned share is assessed for zakat. This mandatory, state-enforced collection is what makes Saudi business zakat different from the voluntary, self-assessed zakat expected of individuals.

Paying individual zakat: the Zakaty platform, gold prices, and end-of-service pay

Individuals who want to pay zakat formally can use Zakaty, ZATCA's own digital platform (website, app, and call centre), which calculates zakat on cash, gold, silver, stocks, investment funds and real estate — pulling real-time gold prices and stock/fund values from the Saudi Exchange (Tadawul) — and accepts payment through SADAD transfers, Mada cards or Apple Pay at no fee. Because there is no separate official Saudi "zakat gold price" authority, Zakaty and most local calculators reference live international gold prices converted to SAR, or the rate quoted by local gold-market (souk) traders on the day you calculate.

One question specific to Saudi employees is end-of-service benefits (a lump sum owed by the employer when employment ends, under Article 84 of the Saudi Labor Law: half a month's wage per year of service for the first five years, then a full month's wage for each year after that, based on the employee's final wage). Because this money is only owed — not yet received — while you are still employed, it is not zakatable until it is actually paid out. Once received and held for a full lunar year above the nisab, it is zakatable like any other cash saving, at the standard 2.5% rate.

Frequently Asked Questions

How much is Zakat in Saudi Arabia?

Zakat is 2.5% of your net zakatable wealth — cash, gold, silver, shares and business assets, minus immediate debts — once it exceeds the nisab and has been held for one lunar year.

What is the nisab in SAR?

Nisab equals the value of 87.48g of gold or 612.36g of silver, which changes daily with metal prices. The calculator sets it in SAR from live prices; the silver nisab is lower.

Is Zakat due on shares and investments?

Yes — the current market value of shares and funds held as investments is included. Add them to your cash and gold, then subtract immediate debts.

When should I pay Zakat?

After a full lunar year passes on wealth above the nisab. Many people pick a fixed annual date, often in Ramadan, and pay every year on that date.

Is zakat mandatory or voluntary in Saudi Arabia?

For Saudi- and GCC-owned companies it is mandatory and enforced by ZATCA, which charges 2.5% of the company's zakat base every year. For individuals, ZATCA's own published guidance states zakat is a religious obligation (fard) under rulings from the Permanent Committee for Scholarly Research and Ifta, but paying it through ZATCA's channels is described as voluntary — the Authority does not compel individuals to remit personal zakat to it the way it does companies.

What is the Zakaty platform?

Zakaty is ZATCA's own digital platform for individuals to calculate and pay zakat on cash, gold, silver, stocks, investment funds and real estate, with real-time gold pricing and Tadawul-linked stock values, and payment via SADAD, Mada cards or Apple Pay.

Where do I get the SAR gold price for the nisab?

Saudi Arabia has no single official gold-price authority for zakat purposes; the Zakaty platform pulls real-time international gold prices converted to SAR, and local gold-market (souk) or jeweller rates are commonly used as a practical reference.

Is Zakat due on end-of-service benefits?

End-of-service benefits (money owed by an employer under Article 84 of the Saudi Labor Law) are only received when employment ends, so they are not zakatable while still owed. Once paid out and held for a full lunar year above the nisab, the amount is treated like any other cash saving and becomes zakatable.

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