A Comprehensive Guide on How to Calculate Zakat on Jewelry

Zakat is one of the fundamental pillars of Islam, emphasizing charity and helping those in need. It is obligatory for financially capable Muslims to give a portion of their wealth annually to support the less fortunate. Zakat extends to various assets, including jewelry, which many Muslims possess. In this article, we will provide a step-by-step guide on how to calculate Zakat on jewelry.

Step 1: Determine Eligibility

Before calculating Zakat on your jewelry, it's essential to ensure you meet the eligibility criteria. According to Islamic law, you should possess wealth above the Nisab threshold, which is the minimum amount of wealth a person must have to be liable for Zakat. The Nisab threshold can vary and should be determined based on the current market value of silver or gold.

Step 2: Assess the Jewelry Value

Gather all the jewelry items you own, including gold, silver, and precious stones. Determine their current market value. To do this, you can visit a reputable jeweler or check the prevailing market rates for precious metals and stones. Make sure to calculate the value in the same unit as the Nisab threshold (e.g., grams).

Step 3: Deduct Personal Use Items

Not all jewelry is subject to Zakat. You should exclude any jewelry items that you regularly wear for personal adornment, such as wedding rings or a watch. These are considered personal items and are not liable for Zakat.

Step 4: Calculate Zakatable Assets

Subtract the value of personal-use items from your total jewelry value to calculate the Zakatable assets. This is the value you will use to calculate Zakat.

Step 5: Calculate Zakat Amount

To calculate the Zakat amount, you need to determine how much of your Zakatable assets are eligible for Zakat. Typically, the Zakat rate is 2.5% (1/40) of the Zakatable assets. So, you can use the following formula:

Zakat Amount = (Zakatable Assets Value) x (Zakat Rate)

For example, if your Zakatable assets are valued at ৳5,000, your Zakat amount would be:

Zakat Amount = ৳5,000 x 0.025 = ৳125

Step 6: Distribute Zakat

Once you have calculated your Zakat amount, it is your duty to distribute it to those in need. It is recommended to give Zakat to local charities or individuals who are eligible to receive Zakat funds. Ensure that your Zakat is distributed to eligible recipients and that it benefits those who are less fortunate.


Calculating Zakat on jewelry is a straightforward process that requires determining your eligibility, assessing the value of your jewelry, deducting personal items, and applying the Zakat rate to your Zakatable assets. By fulfilling this obligation, you not only comply with Islamic law but also contribute to the well-being of those in need, embodying the spirit of charity and compassion that Zakat represents in Islam.