Gold Return Calculator
Absolute and annualised return on gold, using your own buy and sell prices.
Enter 0 for coins, bars or digital gold.
Gain
₹12,000
- Total cost
- ₹60,000
- Current value
- ₹72,000
- Absolute return
- 20.00%
- Annualised return (CAGR)
- 6.27%
Prices are the ones you enter — nothing is fetched from a live gold rate. Jewellery usually loses the making charge on resale, while coins, bars, gold ETFs and sovereign gold bonds do not carry it. Gains on gold are taxable; the rate depends on how you held it and for how long.
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How it works
Your cost is the quantity bought multiplied by the price per gram, plus any making charge. The current value uses today's price per gram. The annualised return restates the gain as a yearly rate so it can be compared with other investments.
The formula
CAGR = (Value / Cost)^(1/years) − 1- Cost
- Grams × buy price × (1 + making charge)
- Value
- Grams × current or sale price
- years
- Holding period
Worked example
10 grams bought at ₹6,000 and valued at ₹7,200 three years later is a 20% gain, about 6.3% a year.
Pro tips
- Coins, bars, gold ETFs and sovereign gold bonds avoid the making charge that jewellery loses on resale.
- Compare the annualised figure, not the headline gain, against an FD or index fund.
Common mistakes
- Ignoring making and wastage charges on jewellery.
- Forgetting that gains on gold are taxable.
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Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.