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How to Calculate Zakat on Gold & Silver

A simple step-by-step guide with the 2.5% formula, nisab thresholds, and a worked example.

Zakat on gold and silver confuses a lot of people — not because the math is hard, but because nobody explains the steps in plain language. This guide walks through the full calculation: checking nisab, adding your assets, subtracting debts, and applying the 2.5% rate. Prefer to skip the manual math? Use our free Zakat calculator — it does all of this automatically.

Step 1: Check if you meet the nisab

Zakat is only due if your net zakatable wealth meets or exceeds the nisab — the minimum threshold — for one full lunar year (hawl).

MetalNisab (weight)
Gold87.48 grams
Silver612.36 grams

To find the cash value, multiply by today's price per gram. Gold and silver prices change daily, so always use current rates. If you think in tolas, our tola to gram converter handles the conversion (1 tola = 11.6638 grams).

Step 2: Add up your zakatable assets

Include the market value of:

• Gold and silver (jewellery, coins, bars)
• Cash in hand and bank balances
• Business stock and investments
• Money owed to you that you expect to receive

Use the current market value of gold and silver, not what you originally paid.

Step 3: Subtract your immediate debts

Deduct loans and debts you must pay in the near term — for example, an upcoming loan instalment or money you owe. Long-term debts are treated differently by different scholars; deduct at least what is immediately due.

Step 4: Apply 2.5%

The formula is simple:

Zakat = (Total assets − Debts) × 2.5%

This is only payable if the result of Step 3 meets or exceeds the nisab from Step 1.

Worked example

ItemValue
Gold jewellery (current market value)$4,000
Cash savings$2,500
Total assets$6,500
Immediate debts− $500
Net zakatable wealth$6,000
Zakat (2.5%)$150

Because $6,000 exceeds the nisab, Zakat of $150 is due. Try your own numbers in the free calculator.

Common questions

What is the nisab for gold and silver?

The nisab is 87.48 grams of gold or 612.36 grams of silver. Its cash value changes with market prices, so check current rates before calculating.

Do I pay Zakat on gold jewellery I wear?

Scholars differ on personal-use jewellery. Some schools include it, others exempt it. When in doubt, consult a qualified scholar about your situation.

Which nisab should I use if I own gold and cash?

Many scholars recommend the silver nisab for mixed assets because it is lower, which means Zakat reaches more eligible recipients. Our calculator checks both standards automatically.

Note: This guide covers the standard calculation. Complex situations — business partnerships, investments, long-term debt — deserve a qualified scholar's advice. Metal prices used in examples are illustrative; always use current market rates.

Skip the manual math

Our free Zakat calculator applies every step above — nisab check, debt deduction, 2.5% — in any currency, instantly.

Try the Free Calculator

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