Is zakat obligatory on worn gold that exceeds the nisab, and is zakat calculated on all the gold or only on what exceeds the nisab?

There is no Zakat on jewelry intended for adornment and personal use, according to the majority of scholars. However, if she wishes to adopt the view that Zakat is obligatory, it is more cautious. Zakat is due on jewelry if it reaches the Nisab of gold (85 grams), and the Zakat to be given is one-quarter of one-tenth (2.5%) of the total weight of the jewelry on the day Zakat becomes due.