Documentation

Budget calculators

Plan a purchase, a metal swap, or a buy-back with browser-side estimates.

The Budget page has three calculators: Buy, Swap, and Buy-back. They estimate outcomes before you commit. No trade is placed and no transaction is recorded.

All rates are inputs, not live quotes. They are prefilled from spot where possible, but you can replace them with the rate you are actually offered or aim to get.

Buy estimator

Use this to estimate how much metal a budget buys after commission.

  1. Leave the gold and silver rates blank to use the current spot rate, or enter your own rates per gram.

The result shows:

  • The weight of gold and silver acquired after commission, in your preferred unit and an alternate unit.
  • The amount allocated to each metal.
  • The commission paid on each metal.

A purchase is not added to the ledger. Record the actual transaction in Transactions after the trade.

Metal swap

Use this to estimate exchanging one metal for the other.

  1. Check the sell rate per gram and per troy ounce. They are linked, and both are editable.

The result shows:

  • The amount of the new metal acquired, rounded down to whole grams.
  • Net proceeds from the sale, including change left after the purchase.
  • Total commissions.
  • The current spot gold/silver ratio and what the sale would buy at spot for comparison.

The swap estimate does not create a sell and a buy in the ledger. If you complete the swap, record both sides yourself.

Buy-back planner

Use this to work out the buy-back rate needed to reacquire metal after selling it.

The result shows:

  • Gross and Net proceeds, including commissions.
  • The buy-back rate needed at 0.1%, 0.27%, 0.5%, and 1.0% buy commission, in per gram, per kilogram, and per troy ounce terms.

With a target rate above zero, it also shows:

  • Maximum profit — net proceeds minus the cost to reacquire the original weight at the target rate plus buy commission.
  • Maximum weight — the maximum weight you could reacquire with the net proceeds.

These are planning estimates. They ignore spreads, shipping, insurance, storage, taxes, and minimum fees unless you include them in the rates or commissions you enter.

Units and currency

  • Rates are per gram in your display currency.
  • Sell and buy rate fields also accept per troy ounce values and convert between the two.
  • Weights follow your preferred display unit, with a secondary unit shown for comparison.
  • The calculators do not save inputs to your account.
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