Gold & Silver Value Calculator

How to use this calculator

Enter a spot price, ounces, purity percentage, and premium/discount percentage. The result shows approximate melt value and adjusted dealer value.

When this calculator is useful

• Estimating bullion value
• Comparing premiums on coins and bars
• Understanding why melt value and retail price differ

Important limitations

Local dealer spreads, taxes, assay costs, collectible premiums, and market liquidity can change the real transaction price.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.