Q: I have gold and silver but none of them reaches their respective nissab. Does it mean I have to mix the value of both and compare the total against the silver nissab to determine whether I have to pay Zakat or not?

A: According to the Hanafi school and one opinion of in Hanbali school of jurisprudence, if one has gold and silver that do not reach their specific nissab, then they should mix the value (i.e. price) of both and compare it to the silver nissab to determine if they have to pay Zakat or not.
Imam Malik (Ra) is also of the same opinion, however the method of adding the value of both together is not only different but can be complex.
According to the Shafii’ school, there is simply no need to mix any of the gold and silver together. If none of them reaches their own specific nissab then the person will not be required to pay Zakat.
This is one of the opinion of Imam Ahmad in one narration.

And Allah knows best!

Mufti Billal Omarjee
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