Example
Example, not your resultEstimated profit (7.14%)
$20,000.00
- Money spent
- $280,000.00
- Value now
- $300,000.00
- Percentage change
- 7.14%
- Yearly return (CAGR)
- 2.33%
- Break-even (per 10 g)
- $140,000.00
- Gain per gram
- $1,000.00
At the rate you entered, the gold is worth more than you paid. An estimate from the rate you typed. It leaves out tax, making charges and market fees.
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Enter what you paid, the grams and a rate above to share or save your own result.
Reviewed 30 Sept 2026 · by GoldC Team · How we calculate this
How the gold return is calculated
Your gold return is the value of your gold at today's rate compared with what you paid, shown as an amount, as a percentage and, when you say how long you held it, as a yearly return. You enter what you paid, how many grams you bought and a rate per 10 grams for the same purity. Nothing here fetches a live price.
- Current value = grams × (rate per 10 g ÷ 10)
- Profit or loss = current value − money spent
- Change % = profit or loss ÷ money spent × 100
- Gain or loss per gram = profit or loss ÷ grams
See the full formula and its assumptions on the methodology page.
Yearly return (CAGR) explained
A total change of 7% means something different after one year than after ten. The yearly return (CAGR, the compound annual growth rate) is the steady yearly rate that turns what you paid into today's value over the time you held it:
- Yearly return = (value ÷ money spent)1 ÷ years held − 1
It is shown from one year of holding, because stretching a few months of movement into a yearly figure would mislead. It is arithmetic on the numbers you typed, not a forecast of what gold will do.
Break-even rate
The break-even rate is the rate per 10 grams at which the value of your gold equals what you paid: money spent ÷ grams × 10. Above it you show a gain; below it, a loss. If you also enter a share that the buyer keeps back, the break-even rate rises to cover it.
What if the buyer keeps back a percentage?
A dealer or jeweller who buys gold back usually pays less than the quoted rate. The optional "Buyer keeps back" field takes that share as a percentage and shows the value after it. GoldC does not know what any buyer will pay; you enter the percentage, or leave it empty.
Worked example
You paid 280,000 for 20 g and the rate is 150,000 per 10 g (in whichever currency you enter above).
- Current value = 20 × 15,000 = 300,000
- Profit = 20,000, a change of 7.14%
- Held for 3 years, the yearly return is 2.33%
- The break-even rate is 140,000 per 10 g; a 20% gain would need 168,000 per 10 g
- If the buyer keeps back 3%, the value is 291,000 and the profit is 11,000 (3.93%)
What this calculator does not cover
The result is only as good as the rate you type in. It leaves out tax, making charges, GST, storage and market fees, and it does not know what a buyer would actually pay you, so treat it as an estimate of the metal's value only. If you paid making charges or GST, include them in "Total money spent". Nothing you enter leaves your device.
Quick answers
How do I calculate my return on gold?
Value your gold at a current rate (grams × rate per 10 g ÷ 10), subtract what you paid, and divide by what you paid. Enter the three numbers above and the calculator does this, then adds the yearly return if you enter how long you held it.
What is the yearly return (CAGR) and why does it need the time held?
It is the steady yearly rate that would turn your purchase amount into today's value. The same total gain is a very different yearly figure after 2 years than after 10, so the calculator needs the years and months. It appears from one year.
What rate do I need just to break even?
Money spent ÷ grams × 10, per 10 grams. The calculator shows it as "Break-even rate" for every result.
Why is my gold worth less than the quoted rate?
A buyer usually keeps back a share and may value purity differently. Use the optional "Buyer keeps back" field to see the result after a percentage you choose. This tool shows arithmetic on the rate you enter; use it to compare an offer, not to expect it exactly.
Does it include tax, making charges or GST?
No. If you know what you paid including making charges or GST, put that total in "Total money spent"; the calculator then compares it with the metal's value.
Where do I get today's gold rate?
From your jeweller, bank or a bullion dealer's published rate for your purity. This tool does not fetch a live price. For gold bought in India, enter the rate in rupees per 10 grams. The purity converter explains hallmark stamps like 916 and 750 if you only have the stamp.
Is this the same as the gold profit calculator?
Yes. It shows the profit or loss in amount and percentage, plus the yearly return, in one calculator.
Reviewed 30 September 2026. Estimate only; not investment advice.
What this calculator does
- Compares what you paid for gold with its value at a rate per 10 grams that you type; no live price is fetched
- Shows the profit or loss as an amount and as a percentage of what you paid
- Shows the yearly return (CAGR) from the years and months you held the gold, from one year
- Shows the break-even rate: the rate per 10 grams at which you neither gain nor lose
- Optionally applies a percentage the buyer keeps back, and shows the value after it
- Optionally shows the rate per 10 grams needed to reach a target gain
- Shows what you paid per gram and the gain or loss per gram
- Works in seven currencies, picked up from your browser and changeable
- Leaves out tax, making charges and market fees, and says so on the page
- Runs in the browser; what you type is not sent to or stored on a server, and a summary can be copied, shared or saved as a PDF