Value your silver or gold holdings and see your profit, loss and return on cost.
Example Result
Your result will appear here
The calculated result will appear here after you press Calculate.
Estimates for planning only; not financial, tax or investment advice. See our Disclaimer.
Silver is priced per troy ounce, and the number that matters for an investor is not today's spot price on its own but how today's value compares with what you actually paid. This calculator multiplies the ounces you hold by today's price per ounce, compares that with your cost, and shows your profit or loss in dollars and as a percentage of cost. The method is the same for gold, platinum or any metal quoted per ounce, so you can use it for any bullion position.
Enter the troy ounces you hold (grams ÷ 31.1035; a 1 kg bar is 32.1507 oz).
Enter the all-in price you paid per ounce: total paid, including premium and fees, ÷ ounces.
Enter today's price per ounce — ideally the dealer's buy-back price — then press Calculate.
By O.E. — Partner, chairman of the board and CEO of a metal products manufacturer for 21 years; the company exports to 45 countries.
Drafted with AI assistance; calculations checked against primary sources and tested with the site's own code. About FlowUtil
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Precious metals are priced per troy ounce, so the calculator multiplies the ounces you hold by a price per ounce twice: once with what you paid (your cost basis) and once with today's price (current value). The difference is your profit or loss, and dividing it by the cost gives the return on cost. The same method works for gold, platinum or any metal quoted per ounce.
Use all-in prices. Your purchase price per ounce should include dealer premium, shipping and fees (total paid ÷ ounces). For a realistic current value, use the price a dealer would pay you (the bid or buy-back price), not the spot price or the dealer's selling price.
Because the return is measured on cost, it does not depend on how many ounces you hold: 1 oz or 100 oz bought at $22 and valued at $29 both return 31.82%.
| Symbol | Meaning |
|---|---|
| Ounces | Troy ounces held (1 troy oz = 31.1034768 g; not the 28.3495 g kitchen ounce) |
| Purchase price | All-in price paid per troy ounce, including premium and fees |
| Current price | Price per troy ounce you could sell at today (dealer bid) |
| Cost | Ounces × purchase price |
| Value | Ounces × current price |
| Return % | (Value − Cost) ÷ Cost × 100 |
1100 oz of silver coins bought at an all-in $22.00/oz; a dealer now offers $29.00/oz.
Cost = 100 × 22.00 = $2,200.00; Value = 100 × 29.00 = $2,900.00; P/L = 2,900 − 2,200
Current Value = $2,900.00 · Profit = $700.00 · Return = 31.82%
A 31.82% gain on cost. Whether that is good depends on how long you held it — see "Reading the result" below.
2A 1 kg bar (1,000 ÷ 31.1034768 = 32.1507 troy oz) bought at $31.50/oz; today's buy-back price is $28.40/oz.
Cost = 32.1507 × 31.50 = $1,012.75; Value = 32.1507 × 28.40 = $913.08; P/L = 913.08 − 1,012.75
Current Value = $913.08 · Loss = −$99.67 · Return = −9.84%
The bar is under water by about 10%; it is back to break-even when dealers pay $31.50/oz again. Enter 32.1507 in the Quantity (oz) field — the calculator works in troy ounces.
Return on cost is not an annual return. A 31.82% gain over six months and over ten years are very different results; convert it to a yearly rate with the CAGR Calculator to compare with other investments.
Real versus nominal: if prices in general rose while you held the metal, part of the gain only offsets inflation. Check what your cost is worth in today's money with the Inflation Calculator.
Your break-even buy-back price per ounce equals your all-in purchase price per ounce.