Zakat Calculator
Adds up your zakatable wealth, deducts debts due now if you choose, compares the net with the nisab and works out 2.5%, in any GCC currency.
Fix these fields, then press Calculate:
Zakat estimate
Calculated onEnter your wealth and the price per gram, then press Calculate to see your zakat.
Your net wealth is below the nisab, so no zakat is due with these inputs.
Estimated amount
| Step | Calculation | Amount (SAR) |
|---|
Notes
How is zakat worked out?
Zakat is a quarter of a tenth, that is 2.5%, of your net zakatable wealth, once it reaches the nisab and a full Hijri year (the hawl) has passed over it. This is the rule the official zakat bodies in the Gulf publish, such as Kuwait Zakat House and the Zakat Affairs department of Qatar’s Ministry of Awqaf. The calculator works in four steps:
- Add up your zakatable wealth on the day your year ends: cash in hand, bank and wallet balances, the value of your gold and silver, trade goods, money owed to you by someone who can pay, and shares or funds held for sale.
- Deduct debts due now if you follow the majority view. The net never goes below zero.
- Compare the net with the nisab: 85 grams × the price of a gram of 24-carat gold, or 595 grams × the price of a gram of pure silver if you choose silver. Below the nisab, no zakat is due.
- Work out the zakat: net × 2.5%, which is the same as net ÷ 40. If you count your year in Gregorian dates, the rate is 2.5775%.
Example: you hold SAR 50,000 and gold costs SAR 400 a gram. The nisab is 85 × 400 = SAR 34,000, your wealth is above it, so zakat is 50,000 × 2.5% = SAR 1,250. With only SAR 30,000 you would be below the nisab and owe no zakat for now.
The calculator keeps full precision and rounds the nisab and the zakat once, to the smallest unit of the currency: two decimals for the Saudi riyal, the dirham and the Qatari riyal, three for the Kuwaiti and Bahraini dinar and the Omani rial.
What is left out?
The home you live in, your car, your furniture and the tools you work with carry no zakat, because they are neither for sale nor for growth. Property held for sale counts as trade goods at its value; rent you have saved is part of your cash, and the rules for the rented property itself are outside this calculator.
Where do I find the gold price?
The calculator does not fetch prices from the internet. Enter today’s price for a gram of 24-carat gold in your currency, from a gold shop or a price site you trust. Some official zakat bodies show the day’s nisab on their websites, such as Kuwait Zakat House and Qatar’s Zakat Affairs department, so you can compare your result with theirs.
Worked examples
| Case | Total wealth (SAR) | Debts due now (SAR) | Net wealth (SAR) | Zakat (SAR) |
|---|---|---|---|---|
| Cash and balances (Hijri year) | 50,000 | 0 | 50,000 | 1,250 |
| Debts deducted | 50,000 | 20,000 | 30,000 | 0 |
| Debts not deducted | 50,000 | 20,000 | 50,000 | 1,250 |
| Gregorian year | 50,000 | 0 | 50,000 | 1,288.75 |
Special cases
Gold jewellery you wear
Scholars hold two well-known views on jewellery a woman wears, both noted by Kuwait Zakat House. One makes zakat due on it once it reaches the nisab; the other does not, as long as it is worn as ordinary adornment in a usual amount and not kept as savings or stock. The calculator does not choose between them. On the first view, add your jewellery to the value of gold; on the second, enter only gold you save, such as bars and coins.
Money that comes in during the year
If you held the nisab at the start of your year and your wealth then grew from salary, profit or a gift, Kuwait Zakat House adds the new money to the original and has you pay on the whole when the original’s year ends, even if the new money has not been held a full year. So enter what you actually hold on the day your year ends, not an average or your highest balance.
Money owed to you
A loan to someone who can and will repay counts every year as if it were in your hand, so enter it under money owed to you. Money owed by someone who cannot pay, or keeps delaying, is not due for zakat until you receive it, according to Sheikh Ibn Baz’s fatwas, so leave it out for now.
Debts you owe
Scholars differ on whether debts reduce zakatable wealth. Most deduct what you owe, which is also how the Kuwait Zakat House calculator works; the Shafi’i school does not, a view Sheikh Ibn Baz held as stronger. The calculator lets you choose. If you deduct, enter only what is due now, such as rent or an instalment that has fallen due, not the whole balance of a long loan.
Trade goods and shares
Goods you hold for sale are valued on the day your year ends. Kuwait Zakat House values them at what you would normally pay to buy them that day, not at the selling price or the old cost. Shares you bought to sell count at market value. Shares held for dividends, company zakat and rented property have their own rules; ask about them.
Counting your year in Gregorian dates
The zakat year is a Hijri year, about eleven days shorter than a Gregorian one. If you pay every Gregorian year, the rate goes up so the poor lose nothing. Qatar’s Zakat Affairs department uses 2.5775% and Kuwait Zakat House 2.577%; the calculator uses the first.
Frequently asked questions
What is the nisab today?
The nisab for money is the value of 85 grams of pure gold on the day you calculate, so it moves with the gold price. Multiply today’s price for a gram of 24-carat gold by 85. At SAR 400 a gram the nisab is SAR 34,000. Enter today’s price and the calculator shows the nisab in your currency in the table under the result.
Should I use the gold or the silver nisab?
The gold nisab is 85 grams and the silver nisab 595 grams, and the official zakat bodies in Kuwait and Qatar use gold for the nisab of money. Silver is much cheaper, so its nisab is lower and zakat becomes due on less wealth, which is why some scholars prefer it for the benefit of the poor. The calculator starts with gold and offers silver.
Is zakat due on my salary?
Not on the day it is paid. What you save from it becomes part of your wealth. When everything you hold reaches the nisab and a Hijri year passes, you pay 2.5% on all of it on that day, including savings from the last few months, following the practice of adding money gained during the year to the original sum.
How do I work out zakat on the gold I own?
Weigh your gold or read the weight on the receipt, and multiply it by today’s price per gram for that carat, since a gram of 21-carat gold costs less than 24-carat. Enter the result as the value of your gold with the rest of your wealth. The nisab itself is the value of 85 grams of pure gold, which is why the calculator asks for the 24-carat price.
Are debts and instalments deducted?
Scholars differ. Most deduct a debt that is due now and pay zakat on what remains if it still reaches the nisab; others do not deduct debts at all. If you deduct, take off the instalment or debt that has fallen due, not the full loan. Choose the view you follow in the debts option and the calculator shows its effect on the result.
When does my zakat year start, and when do I pay?
Your year starts on the day your wealth first reached the nisab, and zakat is due once a full Hijri year has passed. Many people pick a fixed date, such as the first of Ramadan, to make the yearly calculation easier. On that day, add up what you hold and enter it; you do not need to track every amount that came in or went out during the year.
Who should I pay my zakat to?
Zakat goes to the eight groups named in the Quran, such as the poor, the needy and people in debt. GCC countries have official bodies that receive and distribute zakat, such as Kuwait Zakat House and Qatar’s Zakat Affairs department, and each country has its own. This calculator does not collect money or send you to a payment page.
Does the calculator store what I enter?
No. The whole calculation runs in your browser and the amounts are not sent to any server. Your inputs appear only in the page address so you can save or share the result with the Copy link button. If you would rather not, do not share the link, or clear the fields after calculating so nothing stays in the address.
Sources
- Kuwait Zakat House — zakat calculator · accessed 27 September 2026
- Kuwait Zakat House — zakat on money and jewellery · accessed 27 September 2026
- Kuwait Zakat House — the nisab of money · accessed 27 September 2026
- Kuwait Zakat House — zakat on trade goods · accessed 27 September 2026
- Qatar Zakat Affairs (Ministry of Awqaf) — what is the nisab? · accessed 27 September 2026
- Qatar Zakat Affairs (Ministry of Awqaf) — zakat on money calculator · accessed 27 September 2026
- Dar al-Ifta (Egypt) — the schools on deducting debts when working out zakat · accessed 27 September 2026
- Sheikh Ibn Baz — zakat when one has debts · accessed 27 September 2026
- Sheikh Ibn Baz — zakat on money owed to you · accessed 27 September 2026
Please note
The result is an arithmetic estimate based on the rules published by official zakat bodies, not a religious ruling. If your case is complex, such as a business, property, large debts or mixed money, ask a scholar you trust or the official zakat body in your country.