Do You Pay Zakat on Jewellery?
Scholars differ on whether jewelry is zakatable. The majority view is that Zakat is due on gold and silver jewelry, even if worn regularly.
Most Islamic scholars say Zakat is due on gold and silver jewelry. A minority view exempts jewelry that is worn regularly, but the safer approach is to pay Zakat on all of it.
The Majority View
All jewelry is zakatable.
According to the Maliki, Shafi'i, and Hanbali schools, Zakat is due on all gold and silver jewelry, whether you wear it or not. This is based on the general command to pay Zakat on gold and silver.
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The Safer Approach