GoldInvesting
Price over spot calculator
Every coin and bar sells for the gold price plus a premium. Enter a quote and see exactly what the premium is, so you can compare sellers on the same basis.
What the premium pays for
The premium is the difference between what you pay and the value of the gold at spot. It covers the mint or refiner’s fabrication charge, wholesale distribution, the dealer’s costs and margin, and sometimes payment processing. Premiums are usually higher, as a percentage, on small items such as tenth-ounce coins and one-gram bars, because the cost of making and handling each piece is spread over less gold.
Two quotes for the same coin can only be compared on the total: price, shipping, insurance and any card surcharge. This calculator puts them on that basis and gives you an all-in cost per ounce.
Live gold priceSpot per ounce, gram and kilo, plus silver, platinum and palladium. About premiums
What is a normal premium over spot for gold?
It depends on the product, the size, the seller and demand at the time. Compare the same product across several sellers on the same day, using the total delivered price.
Why do coins cost more over spot than bars?
Coins are struck with detailed designs and sold in smaller units, which usually costs more per ounce to make and distribute than a plain bar of the same weight. In return you get a government-issued coin that is widely recognized when you sell.
Does the premium come back when I sell?
Part of it can. Dealers buy back popular coins and bars at or near spot, and sometimes above spot for coins in high demand. Ask for a seller’s buyback price before you buy.
Sources and fact-check2 primary sources, checked October 17, 2026
- Live spot price: gold-api.com.
- NIST, Office of Weights and Measures (1 kilogram = 32.1507466 troy ounces).
We check every figure against the original source: the mint, the regulator, the exchange or the company itself. Spotted something out of date? Tell us.