Zakat On Household (Collective Zakat And Zakat On Behalf Of Wife)
There is some ambiguity in the question which requires clarification. If both husband and wife have not met Nisab threshold for Zakat then there is no Zakat obligation on them. As a general principle however , whatever extra tax that is being paid by either of them which is over and above their zakat obligation, can be carried forward in the future years for adjustment against Zakat obligation of the future, if any. Husband is liable for his Zakat and Wife is liable for her Zakat, subject to Nisab. Wife should pay the zakat on the gold she owns ( which cannot be categorized as item of personal use ). If both husband and wife are clear that gold is her ownership then the burden to pay zakat is upon her. If husband decides to pay on her behalf then she is released of the obligation otherwise she has to pay the zakat due on it. Please also watch : https://youtu.be/e3K_HI8aTgU?si=iqerupN4ZvA4hh8q