How to use: Enter today's spot prices for gold and silver, select your product and quantity, then adjust the premium percentage. All calculations update instantly. Typical premiums shown are market averages — always confirm with your dealer.
Live Spot Prices & Settings
FETCHING LIVE PRICES…
Spot prices (per troy ounce) — edit manually anytime
🥇 Gold
XAU
$
/ oz
🥈 Silver
XAG
$
/ oz
Gold Total Cost
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Silver Total Cost
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Gold Break-Even
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to recover premium
Silver Break-Even
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to recover premium
Full Premium Comparison — All Products
| Product | Type | Premium % | Premium / oz | Cost / oz | Total (1 oz) |
|---|
Understanding Dealer Premiums
What Drives Premiums
● Minting & Fabrication Costs — Government coins carry higher premiums than generic bars due to production complexity.
● Dealer Overhead — Storage, insurance, compliance, and staffing are embedded in the spread.
● Supply & Demand — High retail demand (as in 2020–2022) can push premiums well above norms.
● Quantity Discounts — Larger bars and bulk purchases typically carry lower percentage premiums.
● Numismatic vs. Bullion — Collector coins can trade at premiums of 20–200%+ above spot.
Typical Premium Ranges
Gold Coins (Sovereign/Eagle/Maple)
3 – 6%
Gold Bars (1 oz)
1.5 – 3%
Gold Bars (10 oz+)
0.8 – 1.8%
Silver Eagles / Maples
10 – 20%
Silver Bars (1–10 oz)
4 – 8%
Silver Bars (100 oz+)
2 – 5%