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Islamic Zakat & Nisab Guide

Islamic Gold Zakat & Nisab Calculator in Saudi Arabia

Calculate your mandatory 2.5% annual gold zakat accurately against today's live Saudi spot rates, with automatic Nisab qualification benchmarked at 85 grams of pure 24K gold.

Today's Monetary Nisab Threshold (85g of Pure 24K Gold):
—SAR

* Nisab threshold automatically updates with real-time 24K spot market movements.

Live Nisab: 85g 24K

Enter Your Gold Holdings (Grams)

Islamic Rule: Includes bullion, savings, and personal jewelry (if observing cautious opinion) held for one full lunar year (Hawl).

Zakat Assessment Report

Nisab Status:—
Total Combined Weight:— g
Pure 24K Equivalent Weight:— g
Required Nisab (Pure 24K):85.0 g
Total Portfolio Market Value:— SAR
Zakat Payable (2.5% in SAR):
—SAR

Or payable in pure 24K gold: — g 24K

* Zakat is due once the holding has been in your possession for one complete lunar year (Hawl).

Conditions for Gold Zakat in Islamic Jurisprudence

1. Reaching the Nisab Threshold (85g)

Gold must reach 85g pure 24K equivalent (97.1g of 21K or 113.3g of 18K).

2. Passing of One Lunar Year (Hawl)

Possessing the Nisab threshold continuously for 354 lunar days without falling below the minimum.

3. Rate of 2.5% (One-Fortieth)

The mandatory due amount is 2.5% (1/40th) of the total market spot value on the payment date.

Practical Example: How to Calculate Zakat on 100 Grams of 21K Gold?

1. Convert 21K to pure 24K: 100g × (21 / 24) = 87.5g pure gold.
2. Compare with Nisab: 87.5g exceeds the 85g benchmark (Zakat is mandatory).
3. Determine cash value: 100g × today's live 21K rate in SAR.
4. Calculate Zakat: Multiply total market value by 2.5%, or pay 2.19 grams of pure 24K gold directly.

Frequently Asked Questions on Gold Zakat

How do I calculate Zakat on mixed gold karats?
Convert each karat to pure 24K gold: (21K weight × 21/24) + (18K weight × 18/24). If the grand sum meets 85 grams pure gold, apply 2.5% across the total current value.
How do I calculate Zakat on 18K gold in Saudi Arabia?
Convert 18K weight to pure 24K using: (18K weight × 18 ÷ 24). The standalone Nisab for 18K is 113.33 grams. Once met after one lunar year, 2.5% is payable on the total 18K market value.
What is the ruling on personal jewelry worn for adornment in Saudi Arabia?
The Saudi Permanent Fatwa Committee advises paying zakat on jewelry worn for adornment once it reaches nisab as a devout precaution based on general prophetic texts, whereas the majority of classic jurists exempt modest customary personal wear.
Are making charges included when calculating gold Zakat?
No. Zakat is assessed strictly on the raw metal spot value of the gold. Artisan making fees (Masna'iya) and retail markup are excluded.
Is investing in gold bullion halal under Islamic law?
Yes. Investing in physical gold bullion is completely halal under Islamic Shariah, provided the transaction satisfies spot delivery (hand-to-hand exchange without delay) and 2.5% annual zakat is honored once the Nisab threshold is held for one lunar year.