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Zakat on Gold & Silver Calculator

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Was ist Zakat on Gold & Silver Calculator?

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Zakat on gold is a specific Islamic obligation requiring Muslims to pay 2.5% on gold holdings that have been above the nisab (minimum threshold of 85 grams of pure gold) for one complete lunar year (hawl). Gold has unique Zakat rules because it serves both as a store of value and as personal ornamentation. Investment gold — bullion bars, gold coins, ETFs backed by physical gold, and gold held for trade — is universally considered zakatable by all major schools of Islamic jurisprudence. The treatment of gold jewelry worn regularly for personal adornment is where scholars disagree: the Hanafi school holds that all gold jewelry (including that worn regularly) is zakatable regardless of intent or use, while the Shafi'i, Maliki, and Hanbali schools generally consider gold worn regularly as personal ornament to be exempt from Zakat. This distinction is practically significant, as women in Muslim households often own substantial gold jewelry. The Zakat is calculated on the current market value (or by weight at current gold prices) rather than purchase price, meaning the rising price of gold can increase Zakat obligations over time. Gold above the 85-gram nisab for the full hawl triggers the 2.5% obligation on the entire zakatable gold holding, not just the excess.

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Formel

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f(x)Gold Nisab = 85 grams of pure gold × Current Gold Price per gram; Zakat on Gold = Total Zakatable Gold (in grams or value) × 2.5%; Zakat Value = Weight (grams) × Gold Price/gram × 0.025

Variablenbeschreibung

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SymbolNameEinheitBeschreibung
GGold Weight (grams, pure)—Total zakatable gold weight in pure 24K equivalent — adjust for karat purity.
GPGold Price per gram—Current market price at hawl date — used to calculate value and check nisab.
NisabGold Nisab—85 grams of pure gold — the minimum threshold for gold Zakat obligation.

Anleitung Zakat on Gold & Silver Calculator

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  1. 1Determine total gold holdings by category: investment gold (bars, coins, ETFs), gold held for trade, and gold jewelry. Apply the school of jurisprudence that applies to you regarding jewelry.
  2. 2Calculate the current gold price per gram. Note that Zakat is calculated on the current market value, not purchase price or book value.
  3. 3Check whether total gold (including other combined wealth) exceeds the nisab: 85 grams of gold or equivalent value (~$5,500–$7,000 at 2024 prices).
  4. 4If gold has been above the nisab for the complete hawl (lunar year), apply the 2.5% Zakat rate.
  5. 5For gold jewelry worn regularly (if your school holds it is zakatable): calculate 2.5% of the current market value of the jewelry, not the purchase price.
  6. 6Combine gold Zakat with other wealth (cash, savings, business assets, receivables) to compute total annual Zakat obligation, as Zakat applies to combined net zakatable wealth.
  7. 7Pay the Zakat either in gold (actual gold given to eligible recipients) or in its cash equivalent at current market prices.

Gelöste Beispiele

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Beispiel 1Investment Gold — Bars
Gegeben:Gold bullion 150 grams, current price $70/gram, held 14 months
Ergebnis:Above 85g nisab; hawl complete; Value $10,500; Zakat: $10,500 × 2.5% = $262.50

Investment gold is zakatable regardless of school of jurisprudence — universally agreed.

150 grams × $70 = $10,500 total value. Well above the 85-gram nisab (85 × $70 = $5,950). Held for 14 months (hawl complete). Zakat = $10,500 × 2.5% = $262.50.

Beispiel 2Gold Jewelry — Hanafi School
Gegeben:Gold jewelry 200 grams (worn regularly), current price $70/gram
Ergebnis:Zakatable under Hanafi; Value $14,000; Zakat: $350

Hanafi school: all gold jewelry is zakatable, regardless of personal use.

Under the Hanafi school (predominant in South Asia, Turkey, Egypt), even regularly worn jewelry is zakatable. 200g × $70 = $14,000. Zakat = $14,000 × 2.5% = $350. This is the stricter position but more commonly adopted in formal Zakat calculations.

Beispiel 3Gold Jewelry — Shafi'i School
Gegeben:Gold jewelry 200 grams (worn regularly), separate investment gold 100 grams
Ergebnis:Jewelry exempt (Shafi'i — worn regularly); Investment gold zakatable: 100g × $70 × 2.5% = $175

Shafi'i, Maliki, and Hanbali schools exempt regularly worn personal jewelry.

Under Shafi'i school (predominant in Southeast Asia, East Africa), regularly worn jewelry for personal adornment is exempt. Only the 100g investment gold ($7,000) is zakatable: $7,000 × 2.5% = $175.

Beispiel 4Gold ETF Investment
Gegeben:Gold ETF shares worth $15,000 (backed by physical gold)
Ergebnis:Zakatable: $15,000 × 2.5% = $375

Gold ETFs backed by physical gold are generally treated as gold holdings for Zakat.

Scholars generally consider physically-backed gold ETFs as equivalent to owning gold itself, making them zakatable at 2.5%. Synthetic gold ETFs (derivatives-based) have more complex rulings and may be treated differently. $15,000 × 2.5% = $375 Zakat.

Praktische Anwendungen

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Muslim individuals calculating Zakat on their gold jewelry collection using the appropriate school of jurisprudence., where accurate zakat gold analysis through the Zakat Gold Calc supports evidence-based decision-making and quantitative rigor in professional workflows

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Islamic finance advisers helping clients determine Zakat on gold ETFs, bullion investments, and gold savings products., where accurate zakat gold analysis through the Zakat Gold Calc supports evidence-based decision-making and quantitative rigor in professional workflows

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Zakat calculation apps used by Muslim households during Ramadan to estimate annual obligations., where accurate zakat gold analysis through the Zakat Gold Calc supports evidence-based decision-making and quantitative rigor in professional workflows

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Jewelry businesses calculating Zakat on gold inventory held at current selling prices., where accurate zakat gold analysis through the Zakat Gold Calc supports evidence-based decision-making and quantitative rigor in professional workflows

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Islamic scholars and Zakat organizations providing guidance on mixed-purity jewelry Zakat calculations.

Sonderfälle

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Mixed Purity Jewelry

Most gold jewelry is not 24-karat pure gold — it is alloyed with other metals. Convert jewelry weight to pure gold equivalent before applying Zakat: 18K jewelry: multiply weight × 0.75; 21K: × 0.875; 22K: × 0.917; 24K: × 1.0. Apply the nisab and Zakat rate to the pure gold equivalent.

Gold in Business Inventory

Gold held as inventory for a jewelry business is subject to Zakat as business inventory (trade goods), not as personal gold. It is valued at the current selling price (market value). The nisab for business inventory is the silver nisab (595g silver), not necessarily the gold nisab.

Gold-Backed Sukuk and Islamic Finance Products

Islamic finance products that hold gold as underlying collateral may be zakatable. Consult a qualified Islamic finance scholar for the specific product structure. Generally, if the underlying asset is gold and the investor has proportional ownership, Zakat applies at 2.5% on the proportional share.

Gold Fluctuation During the Hawl Year

If gold price fluctuates and the total value drops below the nisab during the year but recovers by the hawl date, most scholars hold that the hawl is broken and a new one begins from when the nisab was again exceeded. Only if wealth remains continuously above nisab for the full year is Zakat due.

Gold Zakat — School of Jurisprudence Comparison

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Gold TypeHanafiShafi'i / Maliki / Hanbali
Investment gold barsZakatableZakatable
Gold coins (bullion)ZakatableZakatable
Gold ETF (physical-backed)ZakatableZakatable
Regularly worn jewelryZakatableExempt
Jewelry not worn (stored)ZakatableZakatable
Gold used in tradeZakatableZakatable
Gold above nisab threshold?85g pure gold85g pure gold (same)

Häufig gestellte Fragen

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Q

What is the nisab for gold Zakat?

A

The gold nisab is 85 grams of pure gold (24 karat). At approximately $70 per gram (2024 prices), this is roughly $5,950. If your total zakatable gold exceeds 85 grams (or its equivalent value when combined with other assets), and has been above this for one full lunar year, Zakat is obligatory.

Q

Are gold coins zakatable?

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Yes. Gold coins held for investment purposes are zakatable — both historical gold coins (e.g., sovereigns, krugerrands) and modern bullion coins. Rare or antique coins with numismatic premium may be valued at their gold content for Zakat purposes, though the numismatic value could also be subject to Zakat as a collectible asset in some scholarly opinions.

Q

What if I inherit gold jewelry?

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Inherited gold becomes your property on the date of inheritance. A new hawl begins from that date. If the inherited gold (plus other assets) exceeds the nisab and a full year passes, Zakat becomes due. If you immediately sell the gold and receive cash, the cash joins your general zakatable wealth.

Q

Does gold combine with silver and cash for nisab purposes?

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Yes. If you own a combination of gold, silver, and cash, these are typically combined to check the nisab. The cumulative value should exceed either the gold nisab (85g gold value) or silver nisab (595g silver value). If combined wealth exceeds either threshold, Zakat is due on the total zakatable wealth.

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How is the value of gold jewelry determined for Zakat purposes if it contains other materials or stones?

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For Zakat calculation, the value of gold in gold jewelry is determined by its gold content, usually measured in karats (e.g., 18k, 22k, 24k). To find the value of the gold, you calculate the weight of the gold content and then apply the current gold price per gram. For example, if you have a 10-gram 18k gold necklace, its gold content would be approximately 7.5 grams (10 grams * 0.75, since 18k gold is 75% gold), and you would use this weight to calculate the Zakat, which is 2.5% of the total gold value if it exceeds the nisab threshold.

Häufige Fehler vermeiden

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  • !Calculating Zakat on the total weight of gold without adjusting for purity — use pure gold equivalent weight, not total jewelry weight.
  • !Using purchase price rather than current market price for the Zakat calculation — Zakat is based on current value.
  • !Assuming all gold jewelry is exempt — this depends on your school of jurisprudence. Hanafi Muslims should pay Zakat even on worn jewelry.
  • !Not combining gold Zakat with cash, savings, and other assets — Zakat is calculated on total net zakatable wealth, not each asset category separately.
  • !Forgetting gold ETFs, gold-backed investment products, and physical gold in bank vaults — all are zakatable.
  • !Not applying purity discount to 18K or 22K jewelry — only the pure gold content triggers Zakat.
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Profi-Tipp

Keep a record of all gold jewelry with its karat purity and weight. At your annual Zakat calculation date, convert all jewelry to 24-karat equivalent weight, determine current gold price, and calculate accordingly. This simplifies calculations considerably and prevents inadvertent under-payment of Zakat.

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Wussten Sie?

Gold's role in Zakat dates to the earliest Islamic period. The nisab of 85 grams was set during the time of the Prophet Muhammad (PBUH) when it represented significant wealth. Today, 85 grams of gold represents approximately $6,000 — still a meaningful amount, but one that many middle-class Muslim households exceed in jewelry alone, particularly in South Asian and Gulf communities where gold is a traditional store of wealth.

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Reviewed July 2026
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