What are you actually
paying over spot?
Live spot prices, your real numbers, and an honest answer — including when a membership isn't worth it for you. Nothing to unlock. Nothing to submit.
Your numbers
What it means
The calculator updates as you type.
(after any membership fee)
(what it takes to justify the fee)
How to read this. Spot prices are live. Premiums are editable estimates, not quotes — real premiums move constantly and vary by product, quantity, and payment method. This tool is here to teach you the shape of the math so you can verify actual prices yourself. Before buying anything, open the exact product at two or three dealers at the same moment and compare. Precious metals carry risk; prices fluctuate and you may lose money. Educational only — not investment, tax, or legal advice.
Why there's no form in front of this
Plenty of metals sites make you hand over your email before they'll show you a single number. We think that's backwards. If our claim is that you can buy closer to dealer cost, the honest thing is to hand you the calculator and let you check it — including the cases where the answer is "don't bother."
A price you have to unlock isn't transparency. Run the numbers, then go price-check the real thing against anyone.
Questions about the math
No. No form, no gate, no email. It runs entirely in your browser on live spot prices. Some competitors require a form before showing any pricing — we don't, because the entire point is that you can check the math yourself.
The amount you pay above the metal's spot price — it covers minting, distribution, and dealer margin. Spot is the raw metal; premium is everything on top. A lower premium means you own more metal for the same money. See at-cost pricing explained.
No — and this calculator will say so when it isn't. A membership swaps the per-item premium for one flat fee, which favours people who buy regularly. Buy a little, once? The fee can cost more than it saves, and buying without a membership may serve you better. We'd rather tell you that than sell you something you don't need.
Spot is live. Premiums are editable estimates, not quotes, because real premiums change constantly. Always confirm the actual price of the exact product in real time before buying.