Gold Return Calculator
CAGR and gain on gold from the price you paid and a later price. You type both prices. Nothing here is a live gold rate. Calculated instantly in your browser.
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Your result
CAGR
5.96%
- Value at the later price
- ₹1,84,000
- Amount paid
- ₹1,30,000
- Gain
- ₹54,000
- Absolute return
- 41.54%
Chacha's tip
Small changes move the numbers more than you'd think. Tap one to try it.
- 5.96% a year from the price you paid to the price you typed, over 6 years. This is not a forecast, and it is before tax.
- Making charges and GST belong in “extra paid at purchase” only if they are on your bill. The page does not assume a rate for them.
Year-by-year value at that CAGR
| Year | Value |
|---|---|
| 1 | ₹1,37,749 |
| 2 | ₹1,45,960 |
| 3 | ₹1,54,661 |
| 4 | ₹1,63,880 |
| 5 | ₹1,73,649 |
| 6 | ₹1,84,000 |
Disclaimer: A return on two prices you typed, not a gold forecast and not tax advice.
How it's calculated
Cost = grams × buy price + extra paid
Value = grams × later price
CAGR = (Value ÷ Cost)^(1 ÷ years) − 1
This is the same CAGR as the CAGR calculator, with the start and end values built from a quantity and two prices. It assumes you still hold the same grams and that you added no more gold in between.
Assumptions
- No live gold price.
- No tax.
- Extra costs are whatever you type, not a default making charge.
How to use this calculator
- Enter the grams. Use the fine weight on the invoice, not a rounded guess.
- Enter the buy price. Price per gram on the day you bought.
- Add extra costs. Making charges or GST, only if they are not already inside the buy price.
- Enter the later price and the years. The price you are comparing, and how many years apart the two prices are.
- Read the CAGR. Gain, absolute return and CAGR. The chart is that CAGR drawn as a smooth line, not the real price path.
Frequently asked questions
What does this calculator do?
It turns two prices you type into a gain and a CAGR. Cost is grams times the buy price, plus any extra you paid at purchase. Value is the same grams times the later price. CAGR is the constant yearly rate that links those two amounts.
Does it know today’s gold price?
No. There is no live rate and no forecast. Type the price per gram from your invoice and the price per gram you are comparing it with.
Where do making charges go?
Add them, and any GST on the invoice, in “extra paid at purchase”. Leave that field at zero if the buy price per gram already includes them. The calculator does not assume a making-charge percent.
Is the result after tax?
No. Physical gold, a gold ETF and a sovereign gold bond are not taxed the same way, and this page does not compute that tax.
Why use CAGR instead of the rupee gain?
The rupee gain ignores how long you held the gold. CAGR puts that gain on a yearly rate so a three-year holding can be compared with a ten-year one. It still hides the path of prices in between.
Can the CAGR be negative?
Yes. If the later value is below what you paid, the CAGR is an annualised loss.
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Results from FinanceChacha are estimates for planning and education, not financial, tax or legal advice.