How to Calculate Zakat on Gold

A mixed-carat receipt cannot be compared with a pure-gold nisab by adding gross weights. A 21K bracelet contributes 21/24 of its weight as pure gold, while a 24K bar contributes its full weight. Build a line-by-line audit first; only then compare the combined pure weight with the threshold used by the authority you follow.

The arithmetic still does not decide whether personal-use jewelry is included, when hawl begins, whether a fall below nisab resets it, or whether a holding is for trade. Those are methodology questions for a qualified authority. The calculator exposes purity, price, threshold, and annual-rate assumptions so the resulting estimate can be reviewed rather than treated as a fatwa.

For each included holding, multiply gross grams by carat divided by 24. Add those pure-gold equivalents, compare them with the selected 85g threshold, value the included gold using the entered 24K price on the valuation date, and apply the named Hijri or Gregorian rate only after confirming the relevant religious conditions.

Cited official guidance supports an 85g pure-gold nisab, purity conversion, valuation on the relevant date, and a 2.5% lunar-year rate. The sources also show why ownership, use, and debt or hawl methodology should remain explicit rather than hidden inside the formula.

Assume your chosen authority includes the holding and confirms its hawl. For 100g of 21K gold, pure gold is 100 x 21 / 24 = 87.5g. This passes the tool's 85g comparison. At 250 per pure gram, the entered value is 21,875 and the Hijri 2.5% estimate is 546.88. Without the inclusion and hawl assumptions, that last number is only arithmetic.

Formulas: pure grams = grams x carat / 24. Gold value = pure grams x 24K price per gram. Zakat due = gold value x 0.025 for Hijri-year estimates, if pure grams >= nisab grams.

Personal-use jewelry, gold held for trade, shared ownership, stones included in a gross weight, changing market prices, and hawl treatment can all alter the applicable amount. Remove non-gold weight where known, separate ownership, record the price source and date, and keep the chosen authority beside the estimate.

Confirm purity, valuation price, ownership, trade or personal-use intent, and the applicable hawl method with a trusted authority. Watch for one recurring error: using total jewelry weight as if it were all pure 24K gold.

Enter the 24K price for your valuation date, choose the annual method, then add only the holdings your authority says belong in the worksheet, with carat and gold weight. TOOLFINA converts them to pure grams and displays an arithmetic threshold comparison and estimate—not a payable ruling.

Input: 24K price per gram, year type, carat, and grams for each holding. Output: pure gold equivalent, total asset value, nisab status, rate, and estimated Zakat payable.

Gold values are calculated locally and are not uploaded. Each holding is converted to pure gold grams, compared with nisab, valued at the 24K price, and multiplied by the selected rate.