Gold Zakat Calculator

How This Calculator Works

Calculate Zakat on gold holdings at 2.5% of total gold value. Nisab for gold is 7.5 tola (87.48 grams). Zakat applies if you hold gold above Nisab for one lunar year.

Gold Zakat Reference — Common Holdings

Gold Zakat Calculation Rules

Zakat on gold is calculated on the total value owned — not just the excess over Nisab. If you own 10 tola (Nisab is 7.5 tola), Zakat is 2.5% of the full 10 tola value, not just the 2.5 tola excess. Use the current market rate on calculation day, not your purchase price. Gold bought at Rs. 15,000/gram years ago is valued at today's market rate for Zakat purposes.

All gold is zakatable regardless of form — jewelry worn daily, gold bars in a safe, gold coins, or ornamental gold items. The majority scholarly position holds that personal-use jewelry is NOT exempt from Zakat (unlike personal homes or vehicles). Calculate the total weight of all gold you and your dependents own, apply current market rate, and pay 2.5% if above Nisab.

For inherited gold or gold with sentimental value that you don't intend to sell: Zakat is still due on its market value. The emotional attachment or inheritance status doesn't create an exemption. If paying Zakat on gold jewelry is financially difficult (because the gold itself is your main asset), some scholars permit selling a portion to pay Zakat on the remainder.

Gold Zakat — Calculation Example

Scenario: You own 12 tola of gold jewelry — 8 tola in a set you wear occasionally and 4 tola in pieces stored in a locker. Total weight: 12 tola × 11.66g = 139.92 grams. Current gold rate: Rs. 22,000/gram. Total value: Rs. 3,078,240. Zakat at 2.5%: Rs. 76,956.

This Zakat applies to ALL the gold — including the jewelry you wear. The fact that some is stored and some is worn makes no difference in the majority scholarly position. The Nisab for gold is 7.5 tola (87.48 grams). Since you own 12 tola (above Nisab), Zakat is calculated on the full 12 tola value, not just on the 4.5 tola above Nisab.

Rate fluctuation impact: Gold prices in Pakistan have risen significantly in recent years. At Rs. 22,000/gram, 10 tola is worth Rs. 2.57 million — meaning Zakat on 10 tola alone is Rs. 64,000. Five years ago, the same gold was worth Rs. 1.2 million with Zakat of Rs. 30,000. The rising gold price means Zakat on gold holdings has more than doubled even though the physical gold hasn't changed — reinforcing why you must use current market prices, not purchase prices.

Gold Zakat Calculator — Precious Metal Obligation

What is the gold Nisab?

7.5 tola (87.48 grams) of gold. If you own gold above this amount for one lunar year, Zakat at 2.5% of total gold value is due.