Complete Guide to Zakat on Gold and Silver: Requirements, Nisab, and How to Calculate It

Jakarta, Pintu News – Those of you who have precious metal deposits need to understand that in Islamic law, there are social obligations attached to the ownership of these assets. Paying zakat on gold and silver is one of the pillars of Islam that serves to cleanse wealth and help the welfare of the community at large. Amidst the growing trend of investing in digital or crypto assets, maintaining compliance with the obligations of traditional assets such as gold and silver remains an important foundation in managing personal finances blessedly.

Ruling on Zakat on Gold and Silver

Zakat on gold and silver is obligatory for every Muslim who has fulfilled certain conditions as stipulated in the Qur’an and Hadith. Gold and silver are categorized as assets that grow in value, so owning a certain amount of them triggers the obligation of zakat mal. If you own these assets as investments or savings, neglecting to pay zakat on them would be a grave negligence in fulfilling the religious commandment.

This obligation is based on the function of gold and silver as a universal economic standard of value from ancient times to the current digital economy. While you may be monitoring the price of Bitcoin (BTC) or Ethereum (ETH) more often these days, gold’s place as a hedging asset remains irreplaceable. Hence, ensuring that your wealth is zakād is the first step towards true financial peace of mind for every Muslim investor.

Also Read: 5 Reasons BTC Bullish Signals Are Appearing Again: Coinbase Premium Positive, BTC Breaks Rp1.5 Billion?

Terms of Zakat on Gold and Silver

There are a few key conditions that must be met before you are obliged to pay zakat on your precious metal stash. The first condition is full ownership(al-milkut tammah), where the asset is under your legal control and is not a disputed asset. In addition, the asset must be in excess of your basic needs and have reached a period of ownership of one full year, known as haul.

The next crucial requirement is that the asset must reach a minimum threshold called the gold nisab, which is 85 grams of pure gold. Meanwhile, for silver, the nisab is 595 grams of pure silver that is personally owned. If your holdings fall below this limit, then you are not yet obliged to pay zakat mal, but it is still recommended to increase the amount of sunnah alms.

Nisab and Rate of Zakat on Gold and Silver

Many people ask, how many grams of gold zakat is required to be paid by the owner? The general answer is that if your savings have reached or exceeded 85 grams of gold, then the nisab of gold zakat is met and you are obliged to pay your share. The rate of zakat, whether gold or silver, is set at 2.5 percent of the total weight or total value of the assets you own when it reaches haul.

If converted into dollar currency, with the world gold price at around $85 per gram, then the gold nisab is worth around $7,225 or equivalent to Rp121,083,775 (exchange rate of Rp16,759). Determining the nisab is important to ensure that zakat is only imposed on those who are considered financially capable and well-off. By following this nisab rule, you contribute to the equitable distribution of wealth to the eight groups of zakat recipients or asnaf.

Is Zakat on Gold to be paid every year?

The question that often arises is whether gold zakat is paid every year as long as the stash is still owned by the investor? The answer is yes, gold zakat must be paid every year as long as the weight of the gold you have stored remains above the nisab limit of 85 grams. This is different from trade zakat, which is calculated from the capital round, because precious metals zakat is calculated from the total final balance when the haul is due.

You need to record the date when your gold holdings first reach the nisab to determine when the payment is due in the following years. If in the second year the weight of your gold actually decreases to below 85 grams, then the zakat obligation is waived for that year. This consistency in monitoring weight and haul reflects your discipline in managing your assets, similar to the discipline when you trade on various leading crypto coins.

How to Calculate Zakat on Gold and Silver

Calculating zakat on gold and silver is actually quite simple and you can do it yourself at home without complicated tools. You only need to add up the total weight of the gold or silver you have, then multiply it by the current market price of gold to get the total value in Rupiah. After getting the total value, multiply it by the 2.5 percent rate to find out how much zakat you have to pay immediately.

For example, if you have 100 grams of pure gold, and the price of gold today is Rp1,424,515 per gram, then your total gold wealth is Rp142,451,500. The Zakat to be paid is IDR142,451,500 multiplied by 0.025, which results in IDR3,561,287 to be distributed to those who are entitled. This transparent calculation method ensures that no one else’s rights are held back in your hard-earned savings.

How to Pay Zakat on Gold and Silver

After knowing the amount to be paid, you can distribute the zakat through an official amil zakat institution or directly to mustahik who meet the sharia criteria. Payment can be made in physical gold or converted into cash value according to the prevailing market price at the time of payment. The use of cash is often preferred as it is more practical and allows recipients to purchase their basic needs flexibly.

In the digital era, you can also fulfill this obligation online through various trusted platforms to ensure a more equitable and professional distribution. In addition to conventional zakat, for those of you who are successful in the cryptocurrency world, don’t forget that profits from trading digital coins also have similar zakat obligations. Performing zakat regularly will bring blessings to every investment decision you make, whether in precious metals or blockchain technology.

Also Read: 5 Reasons for BlackRock to Raise Bitcoin & Ethereum IDR 2.52 Trillion, Bullish Signal End of February 2026!

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Gold-Based Crypto: When Physical Assets Meet Crypto Technology

As blockchain technology develops, gold can now be owned not only in physical form such as jewelry or bars, but also in digital form through gold-based crypto assets.

One of the most popular is Tether Gold (XAUt), a physical gold-backed ERC-20-based stablecoin, where 1 token represents 1 troy ounce of pure gold. The gold is stored in vaults in Switzerland and each token is directly linked to certified gold bullion. The system uses automated algorithms to efficiently manage the allocation of gold and Ethereum addresses.

XAUt tokens are available and traded on various crypto exchanges. XAUt is also an attractive alternative for those looking to hedge against inflation or global economic uncertainty, while remaining within the digital asset ecosystem.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin (BTC) and other crypto asset investments are the responsibility of the reader.

Reference:

• Baznas. Zakat Gold. Accessed on February 26, 2026.