The general rule: any form counts
Gold and silver are zakatable in any form by the majority view — bars, coins, and jewellery alike. The metal is wealth, and zakat falls on wealth held for a full lunar year once the whole zakatable total reaches nisab.
How to value jewellery
Zakat is a percentage of value, not a percentage of weight. Value the gold and silver content of what you own at current market prices — which move daily, so treat any figure you look up as approximate.
Pieces of different purity contain different amounts of actual gold. The zakat calculator converts karats to pure-gold equivalent and applies live prices for you, so you do not have to do the arithmetic by hand.
Silver jewellery and mixed pieces
Silver is zakatable on the same majority rule — any form counts. Even modest silver holdings can matter because the silver nisab (595 g) is far lower in value than the gold nisab.
Add the value of your gold, silver, cash, and other zakatable assets together, subtract immediate debts due within the year, and compare the total with nisab on your zakat date. Jewellery is never assessed on its own — it is one line in the same single calculation.
A worked example (illustrative numbers)
Aisha owns gold jewellery worth $2,000 at today's approximate price and holds $8,000 in savings. Under a view that counts jewellery, her zakatable total is $10,000 — above nisab after a full lunar year.
Zakat: 2.5% × $10,000 = $250. Under a view that exempts her personal jewellery in normal use, only the $8,000 savings counts, and zakat is 2.5% × $8,000 = $200.
Frequently asked questions
Do I pay zakat on jewellery I wear every day?
The schools differ. The Hanafi school treats jewellery as zakatable; the Shafi'i, Maliki, and Hanbali schools exempt women's personal jewellery in normal use. Follow one position consistently and consult a scholar for your situation.
How much zakat is due on gold?
Where gold is zakatable, the due is 2.5% of its market value on your zakat date, counted together with all your other zakatable wealth. Value the metal at current — approximate — prices; the calculator converts karats and applies live prices.
Is zakat due on silver jewellery?
Yes, on the majority view that gold and silver are zakatable in any form. Silver matters more than people expect because the silver nisab (595 g) is low in value, so it catches many households the gold threshold would not.
Do I count each piece separately against nisab?
No. Nisab and the 2.5% rate apply to your whole net zakatable wealth — gold and silver, cash, investments, business assets — valued together on one zakat date, minus immediate debts due within the year.