Is the zakat on money calculated at 2.5% of the amount saved for a full year, and is it exempt from zakat in subsequent years if it is not disposed of? Is zakat obligatory on women's gold designated for adornment? Is it permissible to consider future monthly financial aid from zakat and collect it throughout the year?

If the saved money reaches the nisab (minimum threshold) and a complete lunar year passes over it, Zakat becomes obligatory. If a portion of it is spent, reducing it below the nisab, then no Zakat is due. Newly acquired wealth is subject to Zakat upon the completion of its own lunar year, and it is permissible to pay Zakat on all of it along with the original capital. Women's jewelry intended for permissible use is, according to the preponderant opinion, not subject to Zakat; however, paying Zakat on it is more cautious. Aid provided to eligible recipients may be counted as Zakat with the intention of Zakat at the time of disbursement, and the disbursed amount is deducted from the obligatory sum when the year comes full circle. However, delaying Zakat beyond its due year without a valid reason is not permissible.