Gold in any form is subject to Zakat
Silver in any form is subject to Zakat
Any money you have immediate access to
e.g. Saving for Hajj or to buy a property
Money owed to you that will be returned
e.g. Business investments, shares, saving certificates, pensions funded by money in ones possesssion
The value of anything you intend to sell and make a profit
Any money that is owed to others
Any staff salaries that are due or overdue
Any bills that are due or overdue
