Gold & Silver Zakat Calculator
Add the gold and silver you own with the karat and purchase date. The calculator checks the nisab and whether a full lunar year has passed.
Your Zakat due
At today's price, on what has reached the nisab and been held for a lunar year.
How it's calculated
Zakat is 2.5% of the value of pure gold and silver once they reach the nisab and a lunar year has passed. Pure gold in a piece = weight × karat ÷ 24. The gold nisab is 85 g (some say 87.48 g) and the silver nisab 595 g (some say 612.36 g). “Combine gold and silver” adds their values together, the Hanafi and Maliki view; “each metal separately” checks each metal by weight, the Shafi‘i and Hanbali view. The year is counted for each piece from its purchase date on the Hijri calendar.
When is zakat due on gold and silver?
Zakat is due on gold and silver when two conditions meet: what you own reaches the nisab (the minimum threshold), and a full lunar year (the hawl) passes while it is in your possession. The rate is a quarter of a tenth, 2.5%, of the value of the pure metal at the price on the day you pay, not the day you bought. Bars, coins and jewellery are all computed the same way: what counts is the weight of pure gold inside the piece and its market value today.
The nisab, at today's price
The nisab for gold is 85 grams of pure gold (24K); for silver it is 595 grams of pure silver. Some scholars put the figures at 87.48 g and 612.36 g, following a different estimate of the classical mithqal and dirham; the calculator offers both and the difference is small.
At today's price (November 7, 2026) the gold nisab is worth about 11,128 US dollars, £8,332 or ₹1,045,058, and the silver nisab about 996 dollars. Note how much lower the silver threshold is in value: many scholars hold that anyone whose cash savings reach the silver nisab owes zakat on them.
The lunar year (hawl)
The hawl is one lunar year (about 354 days) counted from the day your holdings first reached the nisab. Gold bought during the year is, in the view of most jurists, added to what you already have and paid on the same anniversary; it does not get a year of its own. The calculator asks for each piece's purchase date so it can tell you which pieces have completed a year and which have not, and shows each due date in the Hijri calendar.
Jewellery that is worn
Gold a woman wears as ordinary adornment, rather than keeping it as savings or stock in trade, is the subject of a long-standing difference of opinion:
- No zakat is due according to the Maliki, Shafi'i and Hanbali schools when the amount is customary, and this is the position of Dar al-Ifta in Egypt, which nonetheless recommends paying it as a precaution.
- Zakat is due according to the Hanafi school once the nisab and the year are met, and this is the ruling of the Permanent Committee for Scholarly Research and Ifta in Saudi Arabia.
Gold kept as savings or for later sale is subject to zakat by agreement. Choose the view you are comfortable with after asking the fatwa authority in your country; the calculator counts everything you enter, so leave out worn jewellery if you follow the first view.
Mixing karats
The karat gives the share of pure gold in a piece: 24K is practically pure, 22K is 91.67%, 21K is 87.5%, 18K is 75%, 14K is 58.3%. For any piece:
Pure gold = weight × (karat ÷ 24)
Add the pure gold of every piece and compare the total with the nisab. A 100 g chain of 21K holds 87.5 g of pure gold; a 50 g ring of 18K holds 37.5 g; the total of 125 g is above the nisab.
A worked example, step by step
Suppose you own a 100 g chain of 21K bought more than a year ago and a 50 g ring of 18K bought at the same time.
- Pure gold: 100 × 21 ÷ 24 = 87.5 g and 50 × 18 ÷ 24 = 37.5 g, a total of 125 g.
- Nisab: 125 > 85, so zakat is due once the year is complete.
- Value today: a gram of pure gold is 130.92 dollars, so 125 g is worth 16,365.13 dollars (£12,252.57 or ₹1,536,849.57).
- Zakat: 2.5% of that value is 409.13 dollars (£306.31 or ₹38,421.24).
Enter the two pieces in the calculator above with their karat, weight and purchase date and the same figures appear, refreshed with the live price, with a note on any piece that has not yet completed its year.
Frequently asked questions
Do I pay zakat on gold I bought this year, before a year has passed?
If you already held gold above the nisab, the new purchase joins it and is paid on the anniversary of the original holding, in the view of most jurists. If this is the first gold you own, its year starts on the day you reached the nisab.
How do I work out zakat on gold of different karats?
Convert each piece to pure gold (weight × karat ÷ 24) and add the results; if the total reaches 85 g, zakat is 2.5% of the value of all the pure gold at today's price. The calculator does this for every piece automatically.
Do I add silver to gold to reach the nisab?
The majority (Hanafi, Maliki and Hanbali) combine the two by value; the Shafi'i school keeps each metal's nisab separate. The calculator offers both: "combine by value" or "each metal separately".
Do I pay in gold or in cash?
You may pay in cash equal to 2.5% of the gold's value on the day of payment, which is easier for the recipient, or in gold of the same weight.
Is zakat due on a bride's wedding gold?
The gold belongs to the bride and follows the ruling on jewellery: if it is worn as ordinary adornment, the difference of opinion above applies; if it is kept as savings, zakat is due once it reaches the nisab and a year passes.
Read also
- Zakat on gold and silver: the nisab, the lunar year and worn jewellery, with worked examplesA complete guide to zakat on gold and silver: the conditions, the nisab (85 grams of gold and 595 grams of silver) and its value today, the Hijri year, the schools' views on worn jewellery with the fatwa authorities' positions, mixing karats, combining silver with gold, and examples worked step by step.
- How the gold price per gram is calculated from the ounce price, with examples for every karatGold is priced worldwide in dollars per troy ounce, and every gram price in every currency is derived from it by one formula. We walk through it step by step with today's figures for 24K, 22K, 21K, 18K and 14K, and explain why a shop's price differs from the result.
- 24K, 22K, 21K, 18K, 14K and 9K explained: purity, uses and which karat to buyA karat is the share of pure gold in a piece out of 24 parts. We explain what each karat means, why countries favour different karats, how purity drives price, hardness, colour and resale value, and which karat suits saving and which suits wearing.
- Making charges and hallmarks: how they are calculated and how to negotiate themThe making charge is the only negotiable part of a gold price. We explain what it covers, how it is quoted per gram or as a percentage in different markets, what a hallmark is and who strikes it, and how to work out the real making charge in any offer in a minute and negotiate it with numbers.
- Selling scrap gold: what is deducted and why, and how to avoid losing moneyWhen you sell used gold the buyer pays its melt value less a deduction and never refunds the making charge. We explain every deduction one by one, how to compute what you will receive at today's price, when an exchange beats a sale, where to sell, and the mistakes that cost sellers the most.
- The gold pound and the Sovereign: weight, karat, price, and when a coin beats a barThe Egyptian gold pound is 8 grams of 21K, the British Sovereign 7.98 grams of 22K; both are priced by their fine-gold content plus a small premium. We explain how they differ, how they are priced and sold, how they compare with the Krugerrand, the Eagle and the Britannia, and when a coin is the better choice over a bar.