A comprehensive, scholarly, and metallurgical guide to calculating Zakat on gold bullion, coins, and personal jewelry. This in-depth handbook covers the Prophetic 85.00g Nisab benchmark (20 classical Mithqals), karat normalization formulas (24K, 22K, 21K, 18K, 14K, 9K), non-zakatable gemstone and diamond deduction protocols, and the classical Fiqh divergence (the universal Hanafi obligation vs. the Jumhur majority exemption on customary wearable personal jewelry). It also explains dual calendar reconciliation between the 2.50% lunar Hawl rate and the 2.577% solar fiscal year rate (AAOIFI Standard No. 35), providing step-by-step real-world audits with direct links to the interactive tool on RiazHub.com.
زَكَاةُ الذَّهَبِ وَالحُلِيّ • المِيزَانُ الشَّرْعِي
👑 Universal Zakat on Gold & Jewelry Calculator Studio
Multi-Karat Assaying Matrix (24K, 22K, 21K, 18K, 14K, 9K), Non-Zakatable Gemstone Deduction Protocol, Classical Fiqh School Calibration (Hanafi vs. Jumhur), Nisab Metrology HUD, Global Currencies with Crisp SVG Country Flags, and High-DPI 1200x630 Social Audit Statement Generator.
⚡ 1-Click Quick Assaying Presets
Total Gross Weight
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0.00 g
Across all raw jewelry items
Normalized Pure 24K
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0.00 g
Net pure gold content
Nisab Benchmark
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85.00 g
SAR 0.00
Total Zakat Due
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0.00 g
SAR 0.00
⚙️ Assaying & Fiqh Configuration
/ gram
⚙️ Custom Currency Specification
📋 Itemized Gold Ledger
0 items| Item / Description | Karat | Gross | Stones | Net Pure (24K) | Fiqh Status |
|---|---|---|---|---|---|
| No items entered yet. Click "Add Jewelry / Gold Item" or select a preset profile. | |||||
* Stone deduction removes non-zakatable gems (diamonds, pearls, rubies).
* Multipliers: 24K (1.0), 22K (0.9167), 21K (0.875), 18K (0.75).
Active Nisab Threshold Benchmark
Prophetic Standard: 20 Classical Mithqals / Dinars = 85.00 Grams of Pure 24K Gold
0 g (Pure Gold)
Nisab Target: 85.00 g
200+ g
Zakatable 24K Weight
0.00 g
Threshold Surplus / Gap
0.00 g
Nisab Fulfillment
0.0%
Calculated Zakat Due
0.00 g
🕌 Hanafi School
All Gold Zakatable
Zakatable Pure 24K Gold
0.00 g
Zakat Due (Cash Equivalent)
0.00
Ruling: Imam Abu Hanifa, Imam Zufar, and companions hold that all gold (whether worn for daily adornment, gifted, stored, or invested) is subject to Zakat annually if total net pure weight equals or exceeds Nisab.
⚖️ Jumhur (Majority)
Personal Jewelry Exempt
Zakatable Pure 24K Gold
0.00 g
Zakat Due (Cash Equivalent)
0.00
Ruling: Imams Malik, Al-Shafi'i, and Ahmad ibn Hanbal hold that permissible customary personal-use jewelry (Al-Huly al-Mubah) is exempt like clothing. Only savings, bars, investment, or excessive jewelry is zakatable.
Scholarly Note on Difference: If you wear customary personal jewelry, the difference between the two opinions for your ledger is 0.00 g pure gold (0.00). Many scholars advise paying under the Hanafi view as a commendable precaution (Ihtiyat), while the Jumhur position remains a well-grounded classical consensus for customary personal jewelry.
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📖 Classical Islamic Jurisprudence & Metrological Foundations
The Nisab for gold was specifically instituted by the Prophet Muhammad ﷺ:
"There is no Zakat upon you in gold until you possess twenty dinars (mithqals). When you possess twenty dinars and a year (Hawl) passes over them, there is due half a dinar (2.5%)." — Sunan Abi Dawud (1573), rated Sahih.Classical metrological consensus establishes that 1 classical gold dinar (mithqal) equals exactly 4.25 grams of pure gold. Therefore, 20 dinars = 85.00 grams of pure 24K gold. Under classical South Asian Hanafi metrology derived through silver dirham equivalents, some scholars record Nisab as 87.48 grams (7.5 tolas). Both options are selectable in this calculator.
Muslim jurists maintain two authoritative classical positions regarding personal wearable jewelry:
- The Hanafi School: Holds that Zakat is obligatory on all gold and silver regardless of whether it is worn daily, stored as savings, or acquired for investment. They cite universal Hadiths such as the narration of Amr ibn Shu'ayb where the Prophet ﷺ asked a woman wearing two heavy gold bangles whether she paid Zakat on them, warning that they could become bangles of fire.
- The Jumhur Majority (Shafi'i, Maliki, Hanbali): Holds that customary jewelry intended for permissible personal adornment is exempt from Zakat, just like a person's house, horse, personal clothing, and work tools. They cite the authentic practice of Aisha (the Prophet's wife) who adorned her orphaned nieces with jewelry and did not pay Zakat on it, and Abdullah ibn Umar who adorned his daughters and slave-girls with gold without paying Zakat.
Under the unanimous consensus (Ijma) of all four Sunni schools of jurisprudence, precious gemstones (such as diamonds, pearls, rubies, sapphires, and emeralds) embedded in gold jewelry are 100% exempt from Zakat, regardless of their monetary appraisal, provided they are not held as commercial trading merchandise (Urud at-Tijarah). The calculator subtracts stone weight from gross weight before computing the net pure gold mass.
Islamic financial law bases Zakat on the lunar year (354 days) at the rate of 1/40th or 2.50%. If an individual or family calculates their finances using the Gregorian solar calendar (365.25 days), scholars (including the Accounting and Auditing Organization for Islamic Financial Institutions — AAOIFI Standard No. 35) require adjusting the rate to 2.577% to account for the extra 11.25 days per solar year.
The payer may either physically weigh out 2.5% of the pure gold content to transfer to legitimate eligible recipients (Mustahiqqin) or calculate the cash monetary equivalent based on the spot market price of gold on the exact day the Hawl matures.
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