Gold investment calculator
Compute the net profit and return of a gold trade including buy and sell fees, derive the break-even price, and convert yuan per gram into yuan and dollars per troy ounce for comparison with international quotes.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Profit result
Net profit, return and break-even price.
Enter the buy price to calculate
Cost basis: 0 · Net proceeds: 0 · Net profit: 0 · Return: 0 · Break-even price: 0
What this tool does
- Check the break-even price before selling: bought at 550 with a 0.5% sell fee, you need 552.7638 to be genuinely even.
- Compare bank gold accounts and accumulation plans by entering their spread and redemption fees to see which nets more.
- Convert to international terms: 550 yuan per gram becomes about 2409 dollars per ounce, ready to compare with London quotes.
- Review a long position to see how much of the gain the fees actually consumed.
Example
Input
550
Output
买入：550 元/克 × 100 克 = 55000.00 元（无买入手续费） 买入成本合计：55000.00 元 卖出：580 元/克 × 100 克 = 58000.00 元，手续费 290.00 元（0.5%） 卖出净收入：57710.00 元 净收益：2710.00 元（4.93%） 保本卖价：552.7638 元/克（扣除 0.5% 卖出费用后正好回本） 保本推导：保本价 × 克数 × (1 − 0.5%) = 买入成本 → 保本价 = 55000.00 ÷ (100 × 0.995) = 552.7638 元/克。 国际金价换算：550 元/克 = 17106.91 元/盎司 = 2409.42 美元/盎司（按汇率 7.1 计算，1 金衡盎司 = 31.1034768 克）。 说明：账户金/积存金通常以点差或赎回费形式体现成本，请按自己产品的实际费率填写；汇率需自行填写，工具不联网取价。
Break-even = cost ÷ (grams × (1 − sell fee rate)); 1 troy ounce = 31.1034768 grams.
Frequently asked questions
How is the break-even price derived?
Let X be the break-even price; the net proceeds X × grams × (1 − sell fee) must equal the cost basis, so X = cost ÷ (grams × (1 − sell fee)). Buying 100 grams at 550 with a 0.5% sell fee gives 55000 ÷ (100 × 0.995) = 552.7638 yuan per gram.
What are the default fees?
Buy fee defaults to 0 and sell fee to 0.5%. Bank gold accounts and accumulation plans usually express cost as a spread or redemption fee, and those vary a lot, so enter your own product's rate (0–20%).
Which ounce is used?
The troy ounce: 1 troy ounce = 31.1034768 grams, the unit used for international gold pricing — not the avoirdupois ounce of 28.349523125 grams. 550 yuan per gram × 31.1034768 = 17106.91 yuan per ounce.
Where does the exchange rate come from?
You enter it yourself (7.1 by default). The tool never goes online, so results stay reproducible and you never rely on a stale rate.
How is the return computed?
Return = net profit ÷ cost basis × 100%, where net profit = net proceeds − cost basis (including the buy fee). For the same price move, higher fees mean a lower return.
Can I base investment decisions on it?
No. It is pure arithmetic on the figures you enter, excludes storage and tax costs and price volatility, and is not investment advice.
Keywords：黄金理财黄金计算器gold calculator保本价金价换算盎司换算积存金