Gold & Silver Calculators & Tools

Jordan Bell

Founder and editor-in-chief; 15+ years following metals markets, with a background in financial writing.

Published Jun 2026 · Last reviewed Jun 18, 2026

Every tool here is built to make a decision clearer, not to sell you anything. Enter your own figures — none of it is stored or sent anywhere. Because we’re independent and take no dealer commissions, the goal is simply an honest number.

What you can work out here

Start with the premium over spot calculator to see the real markup on any coin or bar, then check the break-even calculator to learn how far the price must rise before a sale turns a profit. The allocation calculator sizes a sensible metals position against your whole portfolio, and the gold IRA fee calculator totals the setup, custodian, storage, and spread costs that ads tend to skip.

Pricing and valuation

The melt value calculator tells you the metal worth of coins, jewelry, or scrap at any purity; the gold-silver ratio tool shows which metal is historically cheap right now; the historical returns calculator compounds an illustrative return over time; and the spot price reference explains what spot is, where to check it, and converts it across units.

A note on spot prices

Most tools now auto-fill today’s reference spot price for gold, silver, platinum, and palladium, refreshed from a market feed (LBMA-based) so you don’t have to look it up — but every field stays editable, so you can drop in a dealer’s exact quote and the math is still yours. Nothing you type is stored or sent anywhere. For the concepts behind the numbers, the guides go deeper: premiums, taxes, and how much to own.

Valuing & selling, cost, and tax

Newer additions: the cash-for-gold payout calculator (what a buyer will actually pay), the junk silver calculator (90% coin silver content), the all-in purchase cost calculator (premium + fees + your state’s sales tax), the capital-gains tax estimator (the 28% collectibles rule), and how much gold or silver your budget buys. Most now auto-fill today’s reference spot price.

Returns, timing & verification

The newest set looks at performance and authenticity: the gold investment return calculator shows what a past buy would be worth today, the inflation-adjusted gold price converts old prices into today’s dollars, the dollar-cost averaging calculator models a steady buying plan, the coin authenticity checker screens a coin against its mint’s weight and diameter, and the gold IRA RMD calculator estimates your required withdrawal after age 73.