What does this calculator calculate?
The calculator handles two types of Zakat:
- Zakat on wealth for individuals: you enter your cash, saved gold, trade goods, and the debts owed to you and by you, and you find out whether your wealth has reached the Nisab, how much Zakat is due in SAR, and the amount written out in words.
- Estimated business Zakat: you upload the trial balance in the financial statements tool, and it calculates the Zakat base from sources of funds and deductions, then the Zakat for the Hijri and Gregorian year.
The calculation runs inside your browser, and none of the numbers you enter are sent to our servers.
How to use the Zakat calculator
- Enter today's price of one gram of 24-karat gold in SAR. The calculator multiplies it by 85 to find the Nisab.
- Enter the cash and bank balances that have completed the Hawl.
- Enter the weight of saved gold in grams (24 karat), and the value of trade goods and traded shares.
- Enter the debts owed to you that you expect to collect, and the debts currently due from you (these are deducted from your wealth).
- The result appears instantly: the zakatable wealth, the Nisab, and the Zakat amount, or “Below Nisab”.
How Zakat is calculated
Zakat is due when two conditions are met: the wealth reaches the Nisab, and the Hawl has passed over it, meaning one full Hijri year.
- Nisab: the value of 85 grams of 24-karat gold. Its SAR value changes every day with the gold price, which is why the calculator asks for the current price.
- Zakatable wealth: cash + value of saved gold + trade goods + collectible debts owed to you − debts currently due from you.
- Zakat amount: 2.5% of the zakatable wealth, if it reaches the Nisab.
The formula: Zakat = (cash + gold + trade goods + collectible debts − debts currently due) × 2.5%, provided the total equals or exceeds the Nisab.
Worked example: Zakat for an individual
The gold price in this example is 400 SAR per gram, a hypothetical price for illustration only. Enter the actual price on the day you calculate.
| Item | Amount (SAR) |
|---|---|
| Cash and bank balances | 50,000 |
| Saved gold 20 grams × 400 | 8,000 |
| Trade goods | 10,000 |
| Collectible debts owed to you | 5,000 |
| Debts currently due from you | (3,000) |
| Zakatable wealth | 70,000 |
| Nisab: 85 grams × 400 | 34,000 |
| Zakat: 70,000 × 2.5% | 1,750 |
The zakatable wealth (70,000) is more than the Nisab (34,000), so Zakat is due, and it amounts to 1,750 SAR.
Business Zakat from the trial balance
A business's Zakat is calculated on its Zakat base, not on cash alone. The simplified calculation in our tool:
- Sources of funds: capital, reserves, retained earnings and partners' current accounts net of drawings, plus long-term loans, the end-of-service provision and other non-current liabilities.
- Adjusted net profit for the year (if it is a profit) is added to the sources, because a trial balance before the year is closed does not include it in equity.
- Deductions: net fixed assets, intangible assets and other non-current assets.
- Zakat base = sources + net profit − deductions, and the base used is never less than the adjusted net profit.
- Zakat = base used × 2.5% for the Hijri year, or × 2.5775% for the Gregorian year.
| Example | Amount (SAR) |
|---|---|
| Sources of funds | 900,000 |
| Adjusted net profit for the year | 120,000 |
| Net fixed and non-current assets | (600,000) |
| Zakat base used | 420,000 |
| Zakat for the Hijri year (2.5%) | 10,500 |
| Zakat for the Gregorian year (2.5775%) | 10,825.50 |
This is an estimate for guidance. The actual return follows the Implementing Regulations for Zakat Collection, which include adjustments to net profit and to the base. For details, read The Zakat base simplified, with a numerical example.
Questions on which scholars differ
- The silver Nisab: the calculator uses the gold Nisab (85 grams). Some scholars favor the silver Nisab (595 grams) because it is more beneficial to the poor.
- Gold jewelry kept for personal use: scholars differ on whether Zakat is due on it. Enter the grams of gold according to the opinion you follow.
- The Gregorian year: anyone who calculates Zakat on a Gregorian year raises the rate slightly, because the Gregorian year is about 11 days longer than the Hijri year.
The calculator gives an estimate and is no substitute for asking scholars about special cases.
Frequently asked questions
When is Zakat due?
What is the Zakat Nisab in SAR?
What is the Zakat rate?
Are debts deducted from zakatable wealth?
Can this calculator replace a business's Zakat return?
Do you store the numbers I enter?
Content last reviewed: 2026-10-26