Is zakat obligatory on all saved money, or only on the amount that has been held for a full year, knowing that savings increase monthly? And is it permissible to pay zakat in another Islamic country instead of the non-Islamic country of residence?

For an employee who saves from his salary, there are two options for paying Zakat on his salary:

1. To designate a separate hawl (lunar year) for each amount saved that reaches the nisab (minimum threshold) and pay its Zakat when its hawl is completed. 2. The easier option is to gather all the money from the salary in hand. If it reaches the nisab, he waits a full hawl and then pays Zakat on it along with any other monthly salaries that have been added to it, even if a hawl has not passed over them. This falls under the category of expediting Zakat, which is permissible.

As for paying Zakat in non-Muslim countries, it should not be given to a non-Muslim unless they are among those whose hearts are to be reconciled (Al-Mu'allafatu Qulubuhum).