Bullion Premium Calculator
Compare an entered gold or silver product price with entered fine-metal value, then separate the quoted premium from additional acquisition costs. Every unit conversion, premium amount and percentage remains visible and auditable.
Enter the product comparison
Use supported product documentation for fine-metal content and record the price source and observation time separately.
Entered premium comparison
Bullion Premium 2.0.0.
Premium calculation audit
Each row exposes fine-content conversion, entered metal value and acquisition-cost arithmetic.
On smaller screens, scroll the table horizontally; the page itself remains contained.
| Step | Arithmetic | Result |
|---|
Entered-price sensitivity
The product price and acquisition costs stay fixed while only the entered metal-price reference changes.
The 75%, 90%, 100%, 110% and 125% rows are mechanical scenarios, not forecasts or expected ranges.
| Price factor | Price / troy oz | Metal value | Quoted premium | Quoted premium % | All-in premium | All-in premium % | Status |
|---|
How the Bullion Premium Calculator works
Entered metal value = total fine troy ounces × entered price per fine troy ounce
Quoted premium = total product price − entered metal value
Quoted premium % = quoted premium ÷ entered metal value × 100
All-in premium = total product price + entered acquisition costs − entered metal value
The quoted view isolates the seller’s entered product price. The all-in view then adds only the separate non-negative acquisition costs you supply, which prevents a shipping or payment charge from disappearing inside the product quote.
Worked example from the audited fixture
Two entered gold products each contain one fine troy ounce. At an entered USD 2,500 per-ounce reference, total fine-metal value is USD 5,000. At USD 2,675 per item, total product price is USD 5,350.
The quoted premium is therefore USD 350, or 7.00%. Adding USD 25 of entered acquisition costs produces an all-in cost of USD 5,375 and an all-in premium of USD 375, or 7.50%. The result is arithmetic evidence, not an appraisal or purchase recommendation.
Use and limitations
- Use fine-metal content supported by the product specification or other reliable evidence; do not apply fineness twice.
- Record the entered spot reference’s metal, currency, source and observation time so comparisons remain reproducible.
- Enter product price per item and item count consistently; acquisition costs are totals for the whole comparison.
- The ordinary ounce and troy ounce are different units. Select the unit actually used for fine content.
- No normal or fair premium threshold is supplied because product, size, fabrication, seller and market conditions vary.
- No seller, availability, authenticity, tax, storage, insurance, buy-back, liquidity or suitability check is performed.
Frequently asked questions
- Subtract entered fine-metal value from total product price. Divide the difference by fine-metal value and multiply by 100 for the quoted premium percentage.
- It adds separately entered acquisition costs to total product price before comparing the all-in acquisition cost with entered fine-metal value.
- Enter fine-metal content per item in one of the five supported units. If only gross weight and fineness are known, calculate fine content first rather than treating gross weight as pure metal.
- Yes under the entered comparison when product price is below the selected metal-value reference. That does not verify authenticity, availability or executability.
- Enter verified acquisition costs not already included in product price, such as shipping or payment charges. Avoid double-counting and use zero when no separate amount applies.
- This calculator does not set a normal or fair threshold. Premiums vary by product, quantity, fabrication, seller, payment method and market conditions.
- Only if tax is already inside an entered product-price or acquisition-cost amount. The page does not infer or apply jurisdiction-specific tax rules.
- No. Product authenticity, seller reliability, delivery, liquidity, buy-back terms, taxes and suitability are not evaluated.
Sources and methodology
- NIST — Precious Metals Conversion Information — identifies troy weight and SI units used in precious-metals measurement.
- LBMA — The Price — explains troy-ounce quotation and why smaller physical products may be sold at premiums or discounts to wholesale metal references.
- United States Mint — Authorized Bullion Purchasers — provides primary examples of bullion prices set as metal value plus fixed or percentage premiums.
- CFTC — Precious Metals Consumer Advisory — directs buyers to compare actual weight and retail price with spot value and identify fees and other costs.
Bullion Premium 2.0.0 runs deterministic entered-data arithmetic in the browser and retrieves no market, seller, account or product data. Sources support the measurement and comparison method; they do not endorse this website or any output.
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Physical bullion premium and leveraged XAU/USD or XAG/USD trading costs are not interchangeable. Verify the current entity, account, instrument, contract size, spread, financing and jurisdictional terms independently.
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