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Zakat on Gold Jewellery

Whether zakat is due on gold jewellery you wear depends on your school. The Hanafi school includes all jewellery; the other three exempt pieces in regular personal wear. This calculator applies your school's ruling and values your jewellery from live gold prices. Enter your gold below.

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Fetching live prices
Gold, pure 24 carat
Silver, pure

Spot prices update automatically. Local retail rates can differ, so overwrite either box if your market prices gold higher.

Net zakatable wealth
0
Below nisab
Silver nisab0
Gold nisab0
01Cash and bankEverything liquid on your zakat date0
Cash in hand
Current and savings accounts
Fixed depositsCapital only. Interest is not yours to keep or to pay zakat on.
Digital wallets and prepaid balances
Money set aside for a future purposeHajj savings, a wedding fund, a deposit. Still yours, still zakatable.
Foreign currency heldConverted into your currency
02GoldBy weight and carat, or by value0
By weight
Gold you ownPurity is applied automatically
A second holding, different carat
Of that, worn as personal jewellery
By value
Coins, bars or other gold you already valued
Weight allowances many scholars permit: deduct roughly 2% for stones set into jewellery and about 25% for kundan work, since the setting is not gold. Enter the adjusted weight above.
03SilverJewellery, utensils, artefacts, bullion0
Silver you own
Silver you already valued
Household silver counts in full: cutlery, crockery, trays and decorative pieces. It is not exempt for being in daily use.
04Investments and savingsShares, funds, pensions, crypto0
Shares held to tradeFull market value on your zakat date
Shares held long termEnter the zakatable share of the company's assets if you know it, otherwise use about 25% of market value as a common estimate.
Dividends received and still held
Mutual funds, unit trusts, sukuk
Pension or provident fund, your accessible balanceYour own contributions plus any portion you could withdraw today
CryptocurrencyMarket value on your zakat date
Takaful or insurance, surrender value
Government deposits and refundable securities
05Money owed to youOnly what you expect to actually recover0
Loans you gave to family or friends
Salary, fees or refunds due to you
Rental income received and still held
Leave out anything you have effectively written off. A doubtful debt becomes zakatable in the year it is actually repaid.
06BusinessStock in trade, receivables, payables0
Saleable stock, at landed cost
Damaged or dead stock, at scrap value
Raw materials and finished goods
Owed to you from credit sales
Business cash and bank balances
Less: owed to your suppliers
Less: bad debts written off
Partnership share
Your capital balance, last accounts
Loans you advanced to the firm
Your estimated profit since then
Less: your drawings this year
Premises, machinery, vehicles and fixtures carry no zakat. Only what you bought to sell, and the cash the business holds.
07PropertyHeld to sell, not to live in0
Land or property bought to resellCurrent market value
Not zakatable: the home you live in, however many you own for family use, and property you rent out. Rent you have already collected and still hold does count, and belongs in section 05.
08What you oweDeductible within the next 12 months0
Borrowed money and goods bought on credit
Loan and mortgage instalments due in the next 12 monthsOnly the coming year, not the whole outstanding balance
Rent, utilities and bills already due
Wages owed to staff
Tax due now or overdue
Do not deduct bills that are not yet due, long term debt beyond the next 12 months, or any interest element. Interest is not a debt Islam recognises for this purpose.
09Farm produceUshr, calculated separately0
Ushr is a separate obligation with its own rules. It falls due at every harvest, not once a lunar year, and its threshold is roughly 653 kg of the crop, not the cash nisab. It is kept out of the figure above and reported on its own.
Value of produce watered by rain or springs10%
Value of produce watered by pump, canal or well5%
Value of produce watered by both7.5%
10Grazing livestockPaid in animals, not in cash—
Livestock zakat is not a percentage of value. It follows fixed bands and is paid in animals. Any calculator that charges you 2.5% of your herd's worth is wrong. Enter your numbers and this will tell you what is actually due.
Sheep and goats, free grazing, over one year
Cattle and buffalo, free grazing
Camels, free grazing
Poultry, fish farms and stall fed animals raised to sell are trade stock, not grazing livestock. Put their value in section 06 instead.

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This is sadaqah, not zakat. Your zakat belongs to the eight categories entitled to receive it, and this does not count as one. Please pay your zakat to them separately.
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Free to use, kept free by people like you

If this helped, help it keep going

This calculator will always be free, with no ads and no account. Your gift keeps it online and supports the work behind it: building tools and media that serve the Muslim community, and supporting the person who maintains them.

This is sadaqah, not zakat. Your zakat belongs to the eight categories entitled to receive it, and this does not count as one. Please pay your zakat to them separately.
Give whatever you wish

You set the amount on PayPal's secure page. No minimum, no card details shared with us, and nothing you typed above travels with it.

Zakat due 0

Your zakat summary

Send it to yourself, or to whoever pays it with you.

The short answer

Whether gold jewellery you wear is zakatable depends on your school. Hanafi: all jewellery is zakatable. Shafi'i, Maliki, Hanbali: jewellery in regular personal wear is exempt, but stored or investment gold is always zakatable. The calculator applies your school automatically.

The one question with two answers

Most rules of zakat are agreed upon across all schools. Gold jewellery is the notable exception, and because jewellery is such a large part of many families' wealth, the difference matters a great deal. Sincere scholars have held two positions for centuries, and both are valid to follow. What follows is a clear account of each.

The Hanafi position: all jewellery is zakatable

In the Hanafi school, zakat is due on all gold and silver, in every form, including jewellery worn every single day. There is no exemption for personal use. The reasoning is that gold and silver are inherently wealth-bearing metals, and their zakat is tied to the metal itself rather than to how it is used. This is the majority practice across South Asia (Pakistan, India, Bangladesh) and Turkey. Under this view, a woman's everyday gold, her wedding set, and family heirlooms all count towards her zakat each year.

The Shafi'i, Maliki and Hanbali position: worn jewellery is exempt

In the Shafi'i, Maliki and Hanbali schools, gold jewellery kept for legitimate regular personal wear is exempt from zakat. The reasoning is that such jewellery is a permitted personal use item, like clothing, rather than a store of wealth. However, this exemption has clear limits. Jewellery becomes zakatable in these schools if it is:

  • held as an investment or store of wealth rather than for wearing
  • stored away and not in regular use, such as gold kept in a safe or bank locker
  • owned in a quantity that is excessive and beyond what counts as normal personal use
  • held with the intention of trading or saving rather than adorning

So even in these three schools, a large gold holding kept as savings is zakatable, even if it takes the form of jewellery.

How to calculate zakat on gold jewellery

  1. Weigh your jewellery. Total the weight in grams or tola.
  2. Set aside worn pieces if applicable. In non-Hanafi schools, separate out the weight of jewellery in genuine regular wear, which is exempt.
  3. Adjust for carat. 22K is 91.6% pure, 18K is 75%. Convert to pure gold weight.
  4. Value and take 2.5%. Value the zakatable pure gold at today's price and take 2.5%.

The calculator above lets you choose your school. When you select a non-Hanafi madhab, it gives you a field to enter the weight of your everyday jewellery so it can be set aside, leaving only the zakatable gold in the calculation.

A worked example

Suppose you own 100g of 22K gold jewellery. Pure content is 91.6g. If gold is 200 per gram, the full value is 18,320. In the Hanafi school, zakat is 18,320 × 2.5% = 458. In a Shafi'i household where 60g is worn regularly and 40g is stored, only the stored 40g (36.6g pure, worth 7,328) is zakatable, giving 183.

Wedding and bridal gold

Bridal and wedding gold is one of the most asked-about categories. In the Hanafi school it is zakatable like all gold. In the other three schools, it depends on use: if the bride wears it regularly it is exempt, but if it is locked away as family wealth and rarely worn, it becomes zakatable. Given how much wedding gold is held long term as savings, many families in non-Hanafi schools find that at least part of it is zakatable.

When in doubt, the cautious path

If you are unsure which school to follow, or your situation falls in a grey area, the most cautious course is the Hanafi position of including all gold jewellery. This ensures you never underpay your zakat, and any excess simply counts as additional charity. Many scholars advise this caution where gold is concerned, given the Qur'an's strong warning against hoarding it. To value the gold itself, see our full Zakat on Gold guide.

Related pages

See also Zakat on Gold, Zakat on Silver, Nisab Today, or the full Zakat Calculator.

Frequently asked questions

Is zakat due on gold jewellery?

It depends on your school. In the Hanafi school, all gold jewellery is zakatable, including daily-worn pieces. In the Shafi'i, Maliki and Hanbali schools, jewellery in regular personal use is exempt, while stored or investment jewellery is zakatable.

Do I pay zakat on my wedding gold?

In the Hanafi school, yes. In the other three schools it is exempt if worn in normal use, but zakatable if stored away as wealth.

How do I calculate zakat on gold jewellery?

Weigh it, adjust for carat purity, value the pure gold at today's price, and take 2.5%. In non-Hanafi schools, set aside the weight of regularly worn pieces first.

Is zakat due on 22K jewellery?

Yes, on the pure gold content. 22K is 91.6% pure. Whether worn jewellery counts at all still depends on your school.

What if I am not sure which school to follow?

The most cautious course is the Hanafi position, including all gold jewellery, since it ensures you never underpay.

This calculator gives a reliable estimate for ordinary situations and is not a substitute for a scholarly ruling. For questions about your specific jewellery and school, consult a qualified scholar.