Calculator
Gold Investment Return (ROI) Calculator
Project the return on a gold investment based on entry price, exit price, holding period and selling cost.
How to read your gold ROI
Gold returns in India are driven by three things: the international spot price (USD/oz), the rupee (USD/INR), and the rupee gold price you can actually realise on resale. The "selling cost" deduction in this calculator captures the gap between the displayed IBJA rate and what a jeweller will actually pay you on resale — typically 1–3% for bullion (coins, bars) and 5–15% for jewellery (because making charges are largely non-recoverable).
What is a "good" gold return in India?
Indian gold has compounded at roughly 9–11% per annum over the last 20 years in INR terms. Long stretches of underperformance (2013–2018) and outperformance (2019–2024) are normal. For a balanced retirement allocation, most Indian financial planners suggest 5–10% in gold across SGB / ETF / physical, not as a return-maximiser but as a portfolio hedge.
This is not investment advice. Past returns are not a guide to future returns.