Buyer tool
Calculate the premium before you buy physical gold or silver.
Affiliate / advertiser disclosure: This calculator is educational. It does not recommend a dealer, product, or purchase. Always verify spot price, product weight, payment method, shipping, taxes, availability, and buyback terms before buying.
Spot price is the market reference price for one troy ounce of metal. Dealer price is what you actually pay for a specific coin or bar. The difference, after shipping and payment assumptions, is the premium over spot.
Premium %((Total out-of-pocket - Spot value) ÷ Spot value) × 100
How to use the result
- Compare the same product across dealers at the same time window.
- Use the same payment method for every dealer. Card prices often differ from cash, check, ACH, or wire prices.
- Add shipping or other unavoidable fees so the result reflects true out-of-pocket cost.
- High premiums can be normal for collectible or scarce coins, but bullion-style comparisons should be transparent.
Example premium calculations
What Goldrush will track next
- Dealer price for standardized coins and bars.
- Spot reference used at the capture time.
- Payment method assumptions.
- Shipping and quantity caveats.
- Whether the product was in stock when captured.