Free calculator
Premium calculator
Figure out how much of a dealer's asking price is the actual metal vs the markup. Premium tells you whether a coin or bar is a fair deal.
Premium calculator
See exactly how much of an item's price is "the metal" vs the dealer/mint markup.
Spot price$3,940.90/oz
Weight in troy oz1.0000 oz
Metal value at spot$3,940.90
Premium-$741 · -18.8%
Below spot — verify authenticity
Spot used: $3,940.9/oz — fallback (live API unavailable).
Premium ranges to expect
| Product type | Typical premium |
|---|---|
| Generic 1-oz silver round | 3–8% |
| Branded silver bar (PAMP, Asahi, etc.) | 8–15% |
| 1-oz gold bar (sealed in assay) | 2–4% |
| 1-oz Gold American Eagle | 4–7% |
| Fractional gold (1/10 oz, 1/4 oz) | 10–20% |
| Numismatic / proof coins | 30–200%+ |
A premium that's significantly outside its band is either a great deal or a sign to walk away. The calculator above flags suspect ranges.