Gold Investment Return Calculator
Work out the profit and yearly return on a gold purchase once making charges and the current selling price are counted.
Enter your numbers
Example: 10
Example: 8000
Example: 12000
Example: 3
Example: 5
Recent
Formula
How the calculation works
The buying cost includes the making charge, so the price you effectively paid per gram is higher than the quoted rate.
The current value uses the selling price, and the profit is simply that value minus what you paid.
The total return is the profit as a share of cost, and the CAGR spreads the same growth over the years so it can be compared with other investments.
Common mistakes
- Ignoring the making charge, which can quietly cut the real return by several percent.
- Comparing gold's CAGR with a fixed deposit without noting that gold prices can fall, as the third example shows.
When to use it
- Use it when you have bought gold and want to know whether selling now beats holding.
- It is not a price forecast; it only measures the return between the two prices you enter.
Worked example
Buying 10 g at 8,000 per gram with 5% making charge costs 84,000; at 12,000 per gram it is worth 120,000, a profit of 36,000, 42.86% total and about 12.62% a year over 3 years.
Common questions
Why include making charges in the cost?
Because you pay them when buying and rarely recover them when selling, so leaving them out overstates your profit.
What is CAGR here?
It is the steady yearly growth rate that would turn your cost into the current value over the years you held the gold.
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