Smart Gold Calculator
How much gold can you buy?
Enter your budget, gold purity, and dealer premium to estimate quantity purchased, your break-even price, and profit/loss at different spot prices.
Educational purposes only — not financial advice. Always consult a qualified advisor before investing.
How this calculator works
- Quantity: budget ÷ (spot × purity × (1 + premium%)). Dealer price per item troy oz = spot × purity factor × (1 + premium).
- Break-even: spot × (1 + premium%). The premium is the minimum price rise needed to recover your investment when selling at spot.
- P/L scenarios: assumes you sell pure gold equivalent at the given spot price with no sell-side commission. Actual returns depend on market conditions, taxes, storage costs, and the dealer's buy-back spread.
- 1 troy oz = 31.1035 grams. Spot price source: CoinGecko (PAX Gold proxy).