Zakat Calculator Saudi Arabia 2026
SAR Nisab · Gold · Business · ZATCA

Zakat in Saudi Arabia — Rules, Nisab & What Makes the Kingdom Unique

Saudi Arabia occupies a singular position in the Islamic world when it comes to Zakat — it is one of the few countries where Zakat is not merely a spiritual obligation but a legally enforced duty for Saudi nationals and GCC citizens operating businesses. Understanding the difference between personal Zakat and the corporate Zakat regime governed by ZATCA (Zakat, Tax and Customs Authority) is essential for anyone living or doing business in the Kingdom.

The Saudi Nisab in 2026 — SAR 6,743 or SAR 50,826?

As of early 2026, the Zakat Nisab in Saudi Arabia is approximately SAR 6,743 based on the silver standard (612.36 grams of silver at current SAR spot price), or SAR 50,826 based on the gold standard (87.48 grams of 24K gold). Saudi Arabia's official Madhab is Hanbali, which generally uses the gold Nisab as the personal wealth threshold. However, many residents — particularly those from South Asian backgrounds following Hanafi fiqh — use the silver Nisab as it is the more inclusive lower threshold and ensures the widest obligation.

Personal Zakat vs Corporate ZATCA Zakat

This distinction confuses many people. Personal Zakat is a religious obligation on an individual's private wealth — gold, cash, investments and business shares — calculated according to Islamic jurisprudence. This calculator handles personal Zakat. Corporate Zakat in Saudi Arabia is an entirely separate system: Saudi nationals and GCC citizens must file Zakat returns with ZATCA (formerly GAZT), calculated on the "zakatable base" of a business entity using specific accounting rules that differ from Shariah personal Zakat methods. For corporate Zakat compliance, engage a ZATCA-registered accountant.

The Hanbali View on Gold Jewellery

One practical question for Saudi Muslim women relates to gold jewellery. The Hanbali position — which is the official Madhab of the Kingdom — holds that gold jewellery worn regularly for personal adornment is generally exempt from Zakat. Only gold that is stored, held as investment, or worn only occasionally falls within the zakatable category. This is in contrast to the Hanafi school (prevalent among South Asian expats in the Kingdom), which considers all gold fully zakatable regardless of whether it is worn. Our calculator handles both positions through the Madhab selector.

Tadawul Stocks and Saudi Investment Vehicles

Saudi nationals and residents investing in the Tadawul (Saudi Exchange), in Sukuk, or in REITs (Real Estate Investment Trusts) need to include these holdings in their Zakat calculation. For stocks, most scholars agree the current market value on your Zakat date is the base. For Sukuk — being a liquid interest in underlying assets — the face value or redeemable amount is zakatable. REITs are treated similarly to stocks: include their current unit value on your Zakat date.

Expats in Saudi Arabia — Who Pays Zakat?

Non-Saudi residents in the Kingdom are not subject to the corporate ZATCA Zakat regime, but as Muslims they remain personally obligated under Islamic law. An Egyptian, Pakistani or Indian Muslim working in Riyadh is just as bound by the Zakat obligation as a Saudi national — the obligation follows the person's faith, not their nationality or residency status. Expatriate Muslims should calculate and pay personal Zakat on all qualifying global wealth using whichever Madhab they follow.