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Zakat on Gold: Weight, Karat, Jewellery & Nisab
Calculate Zakat on gold correctly — pure grams by karat, market price on your hawl date, jewellery opinions, and how gold feeds the 2.5% base.
Gold is one of the clearest zakatable assets: if you own gold above the nisab weight and meet the lunar-year condition, Zakat is typically due at 2.5% of its value.
This guide covers bars and coins, jewellery debates, karat purity, and how to use live gold rates without guessing.
02Gold Nisab by Weight
A widely cited gold nisab is about 87.48 grams of pure gold (some cite ~85g). If your pure-gold equivalent meets or exceeds nisab for a full lunar year, wealth Zakat generally applies.
- Convert jewellery weight × purity (e.g. 22K ≈ 91.7% pure) to pure grams
- Value pure grams using today’s gold price in your currency
- Apply 2.5% to the zakatable gold value (and other wealth) once above nisab overall
03Bars, Coins, and Investment Gold
Gold held as savings or investment is widely treated as zakatable. Keep purchase records and weigh by purity, not by making charges.
04Jewellery: Where Scholars Differ
Some schools treat women’s regular-wear jewellery differently from hoarded gold; others treat all gold jewellery as zakatable once above nisab. Follow a scholar you trust rather than WhatsApp summaries.
- Separate pieces you wear regularly from gold kept purely as savings if your school distinguishes them
- Weigh accurately; do not estimate from old bills alone if stones and workmanship confuse value
- Document your method so you stay consistent year to year
05Using Live Gold Rates
Nisab and gold Zakat change with market prices. Use a reliable city gold-rate page for 22K/24K, then convert to your holding’s purity.
- Prefer today’s rate near your Zakat calculation date
- Be consistent: same city/source each year when possible
- Include silver separately if you hold silver above its own rules
06Worked Mini Example
Example: 50g of 22K jewellery ≈ 45.8g pure. If that (plus other wealth) is above nisab, Zakat ≈ 2.5% × (45.8g × price per pure gram). Add cash and investments the same way on one net sheet.
07Final Thoughts
Weigh, adjust for purity, price fairly, then take 2.5% if you are above nisab. When jewellery rulings feel unclear, ask before you under- or over-pay.
Key takeaways
- Gold above nisab weight is commonly zakatable at 2.5% of value.
- Convert karat jewellery to pure grams before pricing.
- Use live rates — not last year’s memory.
- Confirm jewellery rulings with a scholar of your school.
Frequently asked questions
Is white gold treated the same?+
Often yes if it is gold alloy; verify purity marks and ask if plating-only pieces confuse the weight.
Do diamond values count?+
Gemstone value is often treated differently from gold weight — ask a scholar; many calculate on gold content primarily.
What about gold ETFs?+
Investment gold exposure is often treated like wealth/investments — see stocks and funds guides and confirm locally.
Husband’s gold gift to wife — who pays?+
Ownership matters. See the husband-or-wife gold guide and your local ruling.
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