💰 Precious Metals Profit Calculator

Calculate profit & loss on gold, silver, platinum & palladium - including dealer fees, annualized ROI & break-even price

📥 Buy Details

Buy Price (USD per troy oz)

Quantity: 10 troy oz

311.0g

Buy Fee / Premium: 1.5%

Dealer markup, mint premium, transaction cost

📤 Sell Details

Use Live Price

○ $3,150 / oz

Sell Fee: 1.5%

Holding Period: 12 months

Net Profit / Loss on Gold

+$2,607.50

ROI: +9.17%Annualized: +9.2%/yr

Break-even price

$2885.28/oz

✅ Above break-even

Trade Breakdown

Buy: 10 oz @ $2,800$28,000.00

Buy fee (1.5%)+$420.00

Total Cost (incl. fee)$28,420.00

Sell: 10 oz @ $3,150 (live)$31,500.00

Sell fee (1.5%)-$472.50

Net Proceeds (after fee)$31,027.50

Total Fees Paid$892.50

Net Profit / Loss+$2,607.50

P&L Scenarios - What If Sell Price Changes?

P&L vs % change in sell price from your buy price of $2,800

🥇Gold Price 🏦Gold Loan 🗂️Portfolio ₿Crypto P&L

Complete Guide

📊 Precious Metals P&L Key Facts — 2026

2–4%

Typical dealer buy premium over spot — your hidden entry cost

1–2%

Dealer sell discount below spot — adds to your break-even gap

~10.6%

Gold 20-year annualized return USD (World Gold Council)

3 years

Holding period for LTCG tax benefit on physical gold in India

20% + indexation

Long-term capital gains tax on physical gold in India

Break-even

Buy price + all fees ÷ quantity — what you must exceed to profit

Precious Metals Profit Calculator — Complete Guide 2026

Most precious metals calculators show you the current price. This one shows you what actually matters for an investor: did you make money, how much, and at what annualized rate? The difference between spot price and your actual realized return includes dealer buy premiums (2–4% above spot when you buy), sell discounts (1–2% below spot when you sell), and the time value of your holding period. A 10% gold price gain over 3 years sounds good until you calculate it was a 3.2% annualized return — barely ahead of a fixed deposit.

This calculator handles all four precious metals — gold, silver, platinum, and palladium — with separate buy fee and sell fee fields so you enter realistic dealer economics rather than theoretical spot-to-spot returns. The break-even price shows exactly what price the metal must reach before your trade becomes profitable (accounting for all fees). The P&L scenario chart shows profit at ±5%, ±10%, ±15%, ±20%, and ±25% from your buy price — essential for setting realistic profit targets and stop-loss levels.

For active traders: combine this calculator with live price feeds from our Gold Price Calculator and Silver Price Calculator. For portfolio-level view, the Portfolio Tracker aggregates all positions. For a gold-vs-SIP comparison, use our SIP vs Gold Calculator.

🎯 Use Cases

Evaluating Whether to Sell Now

Enter your exact buy price and quantity. Set sell price to the current live price (or manually enter if using over-the-counter). Enter realistic dealer fees. The result tells you: your actual net profit after all fees, annualized return, and whether you've held long enough for LTCG tax benefits (3 years in India). If annualized return is below your FD or SIP return and you don't have a specific reason to hold, the numbers may support selling.

Setting a Profit Target Before Buying

Before entering a position, use the calculator in reverse: enter your planned buy price and fees. Adjust the sell price field to find what price gives you your target profit (e.g., 15% net return). This becomes your target sell level. Set a price alert at that level. Also check the break-even price — the gap between entry and break-even tells you the minimum appreciation you need before seeing any profit.

Comparing Two Metal Positions

Open two browser tabs with this calculator. Enter your gold position in one and silver in the other (or any two metals). Compare annualized returns side by side. If one is dramatically outperforming, it may be time to rebalance. This kind of side-by-side comparison is exactly what the gold-silver ratio trade exploits — rotating from the outperforming metal to the underperforming one when ratios reach extremes.