Gold Calculators
Gold calculators value a holding from the price per gram, and compare gold against alternatives such as a fixed deposit. Making charges and GST are separate inputs because they can significantly change the real return on jewellery.
Value of a gold holding from price per gram and quantity.
Gold Profit/Loss CalculatorProfit or loss on gold after making charges and GST.
Gold CAGR CalculatorAnnualised return on gold between two prices.
Gold vs FD CalculatorCompare a gold investment against a fixed deposit.
Which calculator do you need?
| If you are asking… | Use this |
|---|---|
| What is my gold worth today? | Gold Investment Calculator |
| What did I really make after making charges? | Gold Profit/Loss Calculator |
| What yearly return has gold given me? | Gold CAGR Calculator |
| Would a fixed deposit have done better? | Gold vs FD Calculator |
The gap between the gold price and your return
Gold jewellery carries making charges of roughly 8–25% plus GST, both paid at purchase and neither recovered at sale. If you paid 15% in charges, the gold price has to rise 15% before you are back to level. That single fact explains most of the disappointment people feel when they compare their jewellery to the headline gold rate.
Coins, bars, gold ETFs and sovereign gold bonds avoid most of that cost. The metal performs identically whichever way you hold it; what differs is how much of the price rise you keep.
No live rates here
This site does not connect to any gold price feed. Every rate on these pages is one you enter yourself, so check today's figure with your jeweller, bank or a reputable source before relying on a result.
Gold pays no income
A gram of gold stays a gram of gold. There is no interest, dividend or rent, so the whole return depends on the price being higher when you sell. That is why gold is usually treated as a diversifier rather than a core holding.
Gold — common questions
Do you show live gold prices?
No. You enter the price per gram yourself. We do not connect to a live gold price feed, so nothing on this site should be treated as a market quote.
Why does jewellery return less than the gold price suggests?
Making charges and GST are paid upfront but are not recovered when you sell. The Gold Profit/Loss Calculator makes this visible.