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Zakat on Gold vs Cash: Comparison Guide
Gold vs cash Zakat rules, Nisab thresholds, and valuation.
Both gold and cash are zakatable at 2.5%, but valuation methods and Nisab thresholds differ. See our blog comparison for detailed scholarly perspectives.
Zakat treatment comparison for common asset types
| Asset Type | Zakatable? | Valuation Method | Nisab Basis |
|---|---|---|---|
| Cash (bank, savings) | Yes | Face value on Zakat date | Gold or silver Nisab |
| Gold jewelry (personal use) | Scholarly difference | Current gold price per gram | Gold Nisab (~85g) |
| Gold bullion / coins | Yes | Spot price on Zakat date | Gold Nisab |
| Silver holdings | Yes | Spot price per gram | Silver Nisab (~595g) |
| Stocks and ETFs | Yes | Market value on Zakat date | Gold or silver Nisab |
| Primary residence | No | N/A | N/A |
Combined calculation
Most scholars permit aggregating all zakatable assets. If the combined total exceeds Nisab, Zakat is due on the net amount after deducting qualifying debts.
Frequently asked questions
How do I use this Zakat reference?
Find your category or range in the table, then use the linked calculator to compute an exact value for your inputs.
Try the calculator
General Zakat Calculator