Saudi Zakat Calculator: 2.5% on Zakatable Wealth
Work out your zakat — the obligatory annual almsgiving in Islam, one of its five pillars — at 2.5% of your zakatable wealth held for a full lunar year, and the wealth remaining after it.
Adjust the inputs and select Calculate for a full breakdown.
Compare Common Scenarios
How the numbers shift across typical situations for this calculator:
| Scenario | Zakat due | Wealth plus zakat figure |
|---|---|---|
| 2.5% of SAR 200,000 (SAR 5,000) | $5,000.00 | $205,000.00 |
| 2.5% of SAR 50,000 | $1,250.00 | $51,250.00 |
| 2.5% of SAR 1,000,000 | $25,000.00 | $1,025,000.00 |
| 2.5% of SAR 85,000 | $2,125.00 | $87,125.00 |
How This Calculator Works
Enter your net zakatable wealth and the rate (2.5%). The calculator shows the zakat due; subtract it from your wealth to see the remainder. Zakat is owed on wealth that has been held for a full lunar year (hawl) and is at or above the minimum threshold (nisab); it's calculated on your net zakatable assets — broadly cash, gold and silver, investments and trade goods, less immediate liabilities.
The Formula
Percentage Add-On
Rate is the tax or tip percentage applied to the amount
Worked Example
At 2.5% on SAR 200,000 of zakatable wealth, the zakat due is SAR 5,000. Zakat is a religious obligation and one of the five pillars of Islam — an annual payment purifying wealth by giving a fixed share to those in need. For most wealth (cash, bank balances, gold, silver, trade goods and receivables), the rate is 2.5%, payable once the wealth has been held for a full Islamic (lunar) year and exceeds the nisab — the minimum threshold, traditionally set by the value of 85 grams of gold or 595 grams of silver.
Key Insight
Zakat is both a spiritual duty and, in Saudi Arabia, a formalised obligation, so a few distinctions matter. The base: zakat is due on 'zakatable' wealth — money and money-like assets such as cash, bank deposits, gold and silver, shares held for trading, business inventory and good receivables — after deducting immediate debts and liabilities; personal-use items (your home, car, everyday belongings) are generally excluded. The conditions: the wealth must reach the nisab (the minimum, classically the value of 85g of gold or 595g of silver — many scholars favour the silver nisab to benefit more recipients) and must have been owned for a full lunar year (hawl), which is about 354 days, slightly shorter than a solar year, so zakat recurs a little more often than annually if you track by the Hijri calendar. The rate is 2.5% (one-fortieth) for monetary wealth; agricultural produce is zakated at 5% or 10% (depending on irrigation) at harvest, and livestock follow their own schedules — this calculator uses the common 2.5% money rate. Recipients are defined in the Qur'an (eight categories, including the poor and needy). In Saudi Arabia specifically, zakat is administered by ZATCA (the Zakat, Tax and Customs Authority): Saudi/GCC-owned businesses pay zakat on a calculated zakat base under official rules (broadly around 2.5% of the zakat base), while foreign-owned shares are subject to income tax instead — so corporate zakat has its own technical computation distinct from this personal estimate. This calculator gives the simple 2.5% on the wealth you enter and the remainder after it; for a precise personal figure, confirm you've held the wealth a full lunar year above the nisab, deduct eligible liabilities, and use the correct rate for non-monetary assets — and for a business, follow ZATCA's zakat-base rules.
Frequently Asked Questions
How is zakat calculated?
For most wealth, multiply your net zakatable assets by 2.5%. On SAR 200,000, the zakat due is SAR 5,000. Zakat applies to wealth held for a full lunar year that's at or above the nisab threshold — broadly cash, gold, silver, investments and trade goods, less immediate debts.
What is zakat?
An obligatory annual almsgiving and one of the five pillars of Islam — a fixed share of qualifying wealth given to those in need, purifying the remaining wealth. For monetary wealth (cash, gold, trade goods) the rate is 2.5%, due once the wealth has been held a full lunar year and exceeds the minimum threshold.
What is the nisab?
The minimum amount of wealth at which zakat becomes due, classically set by the value of 85 grams of gold or 595 grams of silver. Wealth below the nisab isn't subject to zakat. Many scholars favour the silver nisab (a lower threshold) so that more people give and more recipients benefit.
What wealth is zakatable?
Money and money-like assets: cash, bank balances, gold and silver, shares held for trading, business inventory and recoverable receivables — after deducting immediate debts. Personal-use items like your home, car and everyday belongings are generally excluded. Agricultural produce and livestock have their own separate rates.
How does zakat work for businesses in Saudi Arabia?
In Saudi Arabia, zakat is administered by ZATCA. Saudi/GCC-owned businesses pay zakat on a calculated zakat base under official rules (broadly around 2.5% of the base), while foreign-owned shares are subject to income tax instead. Corporate zakat has its own technical computation, distinct from this simple personal estimate.
Related Calculators
Methodology & Review
Zakat is the rate (2.5% for most wealth held a full lunar year) applied to the zakatable base; the total here is the base plus the zakat figure so the zakat (chargeAmount) and the remaining wealth are easy to read off. It models the standard 2.5% on monetary wealth and does not determine the nisab threshold, the lunar-year (hawl) condition, or the different rates for crops and livestock.
Written by Ugo Candido · Last updated May 22, 2026.