The niṣāb for zakāt on gold is 85 grams of pure gold (equivalent to 20 mithqāl or 7.5 tolas). If one possesses this amount or more — and it has been in one’s ownership for a complete lunar year (ḥawl) — zakāt becomes obligatory.

The Rate

The zakāt rate on gold is 2.5% of the total value held.

Important Conditions

• The gold must be owned for one full lunar year (ḥawl)
• It must meet or exceed the niṣāb threshold (85g)
• It must be above one’s essential needs — gold jewellery worn regularly is a matter of scholarly difference
• Debts may be deducted before calculating zakāt

Jewellery

There is a scholarly difference of opinion regarding gold jewellery worn regularly. The Ḥanafī school considers zakāt obligatory on all gold regardless of use. The Mālikī, Shāfiʿī, and Ḥanbalī schools do not consider zakāt obligatory on jewellery used for personal adornment. Out of caution, paying zakāt on all gold is the safer position.