Gold Zakat 2026: How Many Grams Before It's Due & How to Calculate

The most common question about gold zakat is: how many grams of gold must you own before zakat becomes due? The answer depends on the type of gold you hold. There are two distinct cases — stored (investment) gold and jewellery you actually wear — and the ruling differs for each. Let's go through them one at a time.

Case 1: Stored (investment) gold

This refers to gold you keep as an investment or store of value — bars, coins such as Kijang Emas, or jewellery that is put away rather than worn. For this type of gold, two conditions must both be met before zakat is due:

• Reaching nisab — the gold must reach 85 grams of pure gold. This nisab is based on the value of 85g of gold. If your gold holding is below that, zakat is not yet due.
• Completing the haul — the gold must be held for one full Islamic lunar year (haul), roughly 354 days. If you sell or spend the gold before the haul is complete, this condition is not met.

Once both conditions are satisfied, the zakat rate is 2.5%of the gold's current market value — not the price you originally paid for it.

Case 2: Jewellery you wear

For gold jewellery that is genuinely worn (chains, bangles, rings you actually put on), the ruling is different. Zakat is only calculated on the amount that exceeds the uruf — the customary or reasonable amount of jewellery for personal use.

Crucially, the uruf differs by state. Some states set the uruf at 800 grams, others at 850 grams, others lower, and some states take their own view on whether worn gold is charged zakat at all. So do not assume a single figure applies everywhere. Please check with your own state religious authority (majlis agama negeri, e.g. Lembaga Zakat Selangor or PPZ-MAIWP) for the exact uruf and whether your state levies zakat on worn jewellery.

How to calculate gold zakat

The formula is simple. For stored gold that has met both nisab and haul:

Gold value = weight (grams) × current gold price per gram
Zakat = gold value × 2.5%

Use the current gold price, not an old purchase price. For worn jewellery, first work out the weight above your state's uruf, then multiply by the current price and 2.5%. You can leave the arithmetic to our gold zakat calculator, and check today's gold price on the homepage for the latest figure. There is also a general gold calculator if you want to estimate your holding first.

Where do you pay it?

Zakat is paid through your state zakat authority — for example Lembaga Zakat Selangor (LZS), PPZ-MAIWP for the Federal Territories, or your respective state religious council. They can also confirm the uruf and the specifics for your state.

In short

• Stored gold: due once it reaches 85g and completes the haul, at 2.5% of current value.
• Worn gold: only the amount above the uruf, and the uruf varies by state.
• The nisab here is based on 85g of gold; cash or other assets have their own nisab.
• Always confirm the uruf figure with your state religious authority before calculating.