Educational · ZATCA individual guidelines
General zakat estimate
Calculator
A — Gold
Gold — zakatable?
Yes — bullion, trade stock, savings for sale, or jewelry not for personal wear/lend
Personal-use or lent jewelry (no zakāt on this gold)
Gold type
Pure (24k) — total weight in grams
Mixed — 24k / 21k / 18k rows
Fine gold weight (grams)
Weight per karat (grams)
24 karat
21 karat
18 karat
B — Silver
Silver — zakatable?
Yes — bullion or held for trade/sale (not personal exempt)
Personal-use silver (no zakāt per guideline)
Pure silver weight (grams)
C — Money, trade, and securities (one pool)
Cash / bank balances (SAR)
Salary savings & similar (SAR; optional)
Trade goods at market price (SAR; optional)
Cash in the business (SAR; optional)
Customer debts owed to you (SAR; optional)
Receivable — can the debtor pay?
Able to pay and not procrastinating — include
Exclude until received
Stocks (3.6)
Investment — enter zakatable base if known
Trading — market value at due date
Known zakatable base from stocks (SAR; optional)
Trading stocks — market value (SAR)
Sukuk / debt instruments (3.7)
Investment — zakatable base if known
Trading — market value at due date
Known zakatable base (SAR; optional)
Trading positions — market value (SAR)
D — Debts
Receivable / payable rules
Open money zakat — debts mode
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Metal prices (SAR per gram)
Pure gold: SAR per gram
Pure silver: SAR per gram (optional)
Nisāb in SAR (from your prices)
Gold-based (85 g × price)
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Silver-based (595 g × price)
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Threshold for money / trade pool
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