Do You Pay Zakat If You Have No Savings?
If your total wealth is below nisab, Zakat is not due. You must have wealth above the threshold before Zakat becomes obligatory.
Zakat is only obligatory if you own wealth above nisab for one full year. If your wealth is below nisab, you do not owe Zakat.
What If You Earn But Do Not Save?
Zakat is based on ownership.
Zakat is due on wealth you own and have held for one year. If you earn income but spend it all and never save above nisab, Zakat is not due.
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Check Each Year
See if your wealth is above the threshold.
Check the Nisab