Calculate Zakat (2.5%) on gold and silver jewelry or bullion by karat and purity, with an optional live auto-updated gold/silver price or manual entry, automatically converting to pure metal weight and comparing against the Nisab threshold.
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Zakat on gold and silver is calculated on the pure metal content of what you own, not on the price tag of a finished piece of jewelry. Jewelers commonly sell gold by karat — 24-karat being pure (999) gold, while 22, 21, and 18-karat pieces are alloyed with other metals for durability. To find the zakatable value, this calculator converts your item's weight to its pure-gold equivalent using the karat fraction (for example, 21-karat gold is 21/24, or about 87.5%, pure), then multiplies that by the current price of 24-karat gold per gram. The same logic applies to silver, commonly sold as sterling (92.5% pure) or fine silver (99.9% pure). This method follows the same classical basis used for the Zakat Nisab itself — 85 grams of gold or 595 grams of silver — which has always referred to pure metal weight, a standard documented in classical Fiqh literature and modern references such as AAOIFI's Shari'a Standards on Zakat.
To make finding today's price easier, this calculator offers an optional "live auto price" mode that fetches a real-time international gold and silver spot price and fills the price fields in for you (choose your preferred display currency, or leave it as USD), refreshed on demand with a "last updated" timestamp so you always know how current the figure is. This is a convenience only, not a fatwa on which price to use — the manual entry mode remains fully available and is the better choice if you prefer the price quoted by your own local jeweler, bank, or a specific trusted source, and the tool automatically falls back to manual entry if the live price cannot be fetched for any reason.
Gold and silver Zakat trips up more people than almost any other category, mainly because jewelry is bought and sold at retail prices that have little to do with the metal's actual zakatable value. Understanding the karat system is the key to getting this calculation right.
Karat measures gold purity out of 24 parts. Pure gold is 24-karat (often stamped 999 or 24K), and anything less is an alloy mixed with metals like copper or silver for strength and color. An 18-karat piece is 18/24, or 75%, pure gold; a 21-karat piece — common in many Middle Eastern and South Asian jewelry markets — is 21/24, or about 87.5%, pure; and 22-karat is roughly 91.7% pure. Silver follows a similar logic: sterling silver (marked 925) is 92.5% pure, while fine silver (marked 999) is 99.9% pure.
Why does this matter for Zakat? Because Zakat is owed on the actual precious metal you hold, not on the finished product's price. A ring's retail price includes the jeweler's making charges, craftsmanship, and sometimes brand value — none of which count toward Zakat. The correct method is to take the item's weight, multiply it by its purity fraction to get the pure metal weight, then multiply that by the current market price of pure (24-karat) gold or fine (999) silver per gram. This calculator performs that conversion automatically once you enter the weight, select the karat or purity, and provide the current pure-metal price.
Once you have the value of your gold and silver, compare the total against the Nisab: 85 grams of pure gold or 595 grams of pure silver, valued at today's prices. If you also hold cash, savings, or trade goods, the most accurate approach is to add all of it together before comparing against the Nisab, since Zakat looks at your total wealth rather than judging each asset category in isolation — this calculator includes an optional field for exactly that purpose.
One point worth remembering every year: gold and silver prices change constantly, so the Nisab threshold in your local currency will be different from one year to the next, even though the weight of the metal itself, 85 or 595 grams, never changes. Re-checking current metal prices each time you calculate Zakat, rather than reusing last year's figures, keeps the result accurate and prevents either overpaying or underpaying what is actually due.
Most gold jewelry is stamped with its karat or a purity number (for example, 21K, 750 for 18-karat, or 916 for 22-karat). If you cannot find a stamp, a local jeweler can test the purity for you, or you can check the receipt from when it was purchased.
This is a point where scholars differ. Many hold that jewelry used for regular, genuine personal wear is exempt from Zakat, while others include all gold and silver regardless of use. This calculator lets you decide which gold to include based on the view you follow — simply leave out jewelry you consider exempt.
Sterling silver is an alloy that is about 92.5% pure silver, while fine silver is about 99.9% pure. Since Zakat is due on the pure silver content, sterling silver items are worth less per gram for Zakat purposes than fine silver of the same weight — this calculator accounts for that difference automatically.
A jewelry item's selling price often includes making charges, design, and brand markups that are not part of the metal's zakatable value. Using the market price of pure (24-karat) gold and converting your item's actual purity gives a more accurate zakatable value than using the retail price.
Yes. Zakat is calculated on your total zakatable wealth, not on each asset type separately. Use the optional "other zakatable cash or assets" field in this calculator to add your cash and savings so the Nisab comparison reflects your complete financial picture.
It is a real-time international spot price, refreshed on demand, and is accurate enough for most people's Zakat calculation. Spot price can still differ slightly from your local jeweler's buy/sell price or your country's official rate, so if you need an exact figure before actually paying your Zakat, switch to manual entry and use the price quoted by a trusted local source.