Gold premium calculator
Enter a dealer quote to separate the metal value, product premium, extra charges and a possible resale spread. Everything calculates locally in your browser.
Enter your dealer's quote
All inputs in US dollars. Blank fields for optional charges are treated as $0; leave buyback blank if the dealer has not quoted one.
Estimated delivered cost
Purchase price plus entered shipping, payment charges and taxes.
No dealer prices are fetched, and no figures are predictions. Taxes and buybacks vary by product, jurisdiction and timing.
Read the math before you buy
Spot-equivalent value: entered spot price × fine troy ounces. Product premium: (dealer product price − spot-equivalent metal value) ÷ spot-equivalent metal value. All-in premium: (delivered cost − spot-equivalent metal value) ÷ spot-equivalent metal value.
A documented buyback quote is useful for illustrating the immediate difference between paying the full purchase price and receiving the dealer's offer. It is not a promise of future liquidity. The CFTC buyer advisory recommends checking both the spread and every fee in writing.
Planning an IRA purchase? Use IRAGold.co's dedicated IRA fee and exit-cost calculator instead, because custody, storage and tax rules require additional inputs.