How is the Zakat calculated for a sum of 1500 Jordanian Dinars and 90 grams of gold worn by the wife, and are the money and gold combined to calculate the Nisab, or does each have a separate Nisab?

Scholars have differed regarding zakat on jewelry prepared for adornment, and the preponderant opinion is that of the majority, which states that zakat is not obligatory on it, though paying it is more prudent.

If the wife owns the jewelry, she is the one required to pay its zakat if it becomes due, and it is not combined with the husband's wealth.

The nisab (minimum threshold) for gold is 85 grams, and its zakat is calculated at one-quarter of one-tenth (2.5%) of its value.

It is important to note that some merchants may estimate the value of gold without considering its weight, which could lead to paying zakat on jewelry that does not reach the nisab.

If the jewelry is owned by the husband, the same difference of opinion applies, and the majority opinion is that zakat is not obligatory on it.

Some scholars believe that zakat is obligatory on what is acquired for permissible use, while others do not hold this view.

The Malikis are of the opinion that zakat is not obligatory on jewelry owned by a man that is intended for his wife or daughter, and so forth.

If the husband wishes to pay zakat on his wife's jewelry that he owns, he combines it with his cash and pays zakat on the total amount if a full year has passed. The nisab for banknotes is the equivalent of 85 grams of gold or 595 grams of silver, with the latter considered more beneficial for the poor.