Zakat on gold and silver: nisab, jewellery, and worked-out examples

Practical answers on whether jewellery counts, which standard to use for nisab, and worked examples in USD/SAR.

Zakat on precious metals follows two thresholds called nisab:

Silver standard — ~595 g of silver. The lower threshold; reaches more people. QiblaWebʼs default.
Gold standard — ~85 g of gold. Higher threshold.

Does jewellery count?

There is scholarly difference. Many contemporary scholars hold that jewellery for regular personal use is exempt; others (including the Hanafi position) hold that all gold/silver above nisab is subject to zakat regardless of use. Investment-grade gold is universally agreed to be zakatable.

Worked examples

If silver is $0.85/g, nisab = ~$505. If you have $2,000 in cash + $1,000 in personal-use gold + a $500 debt:

Per the more inclusive position (jewellery counts): zakatable assets = $2,500. Zakat = 2.5% × $2,500 = $62.50.
Per the position excluding personal-use jewellery: zakatable assets = $1,500. Zakat = 2.5% × $1,500 = $37.50.

The QiblaWeb zakat calculator gives you both inputs separately so you can apply the position your community follows.

Source

Summarised from IslamQA — Zakat on gold and silver (retrieved 2026-05-09).