Gold Bullion Offer Comparison
Compare up to three real coin or bar quotes using fine gold content, checkout costs, and a dealer’s optional buyback quote. See what you would pay per fine troy ounce before you choose an offer.
Compare your actual checkout quotes
Enter prices from the same time period and currency. Use the fine gold weight printed by the mint or refiner, not the gross weight of an alloyed coin. Every price here is entered by you; this tool does not fetch dealer listings.
From spot value to the real checkout price
A dealer’s advertised price is only one part of a physical-gold quote. Follow the four stages, then use the table below to see how different terms change the comparison.
Which quote is actually lower?
Assume spot is $4,000 per fine troy ounce. These sample inputs are fictional and use no sales tax; they are not current dealer offers.
| Offer | Product ask | Shipping + payment | All-in cost | Buyback today | Cost less buyback |
|---|---|---|---|---|---|
| A · 1-oz Eagle | $4,160 | $20 | $4,180 | $3,960 | $220 |
| B · 1-oz bar | $4,090 | $80 | $4,170 | $3,920 | $250 |
| C · four ¼-oz Eagles | $4,240 | $0 | $4,240 | $3,960 | $280 |
Lowest acquisition cost: B. Its checkout total is $10 below A, even after $80 of order fees.
Smallest current round-trip gap: A. A costs $220 more than its stated same-day buyback, compared with B’s $250. This does not forecast a future resale bid.
All three examples contain one fine troy ounce in total, but they are different products. Before using price alone to choose, compare condition, dealer terms, and the exact form you intend to own.
What the numbers mean
Unit asking price × quantity, plus order shipping, payment fee, and the sales-tax amount you enter.
All-in cost minus spot value of the total fine gold. Divide that difference by spot value for the percentage.
If you have a written buyback quote, compare it with all-in cost. Future buyback terms can change.
For an American Gold Eagle, use its stated fine-gold amount in this comparison. The one-ounce Eagle contains one fine troy ounce but weighs 33.931 g in total because it is a 22-karat alloy. The U.S. Mint specifications distinguish those figures.
For offer A above, $4,180 in checkout costs less $4,000 in metal reference value equals a $180 effective premium, or 4.5%. A current $3,960 buyback bid leaves a $220 difference between buying and immediately selling under those specific quotes.
Check the offer before paying
Compare the same coin, bar, condition, quantity, and payment method. A proof or collectible premium needs separate judgment.
Ask for the final price, fees, insured delivery terms, and a current buyback quote. A future buyback price is never fixed by this calculator.
Sales-tax treatment depends on the transaction and location. Enter the checkout amount yourself; this page does not determine tax obligations.
Ask for the complete written quote
- Confirm exact product, year or series when relevant, fineness, condition, and quantity.
- Match the payment method to the quoted price; card, wire, and check terms may differ.
- Record shipping, insurance, handling, tax charged at checkout, and delivery timing.
- Ask whether the buyback bid applies to that exact item and whether it is firm now.
- Record the quote time and reconfirm availability and final checkout before paying.
The FINRA/CFTC investor bulletin recommends comparing retail price with spot value, asking for the buyback price, and obtaining all fees in writing. This calculator is educational and does not provide financial, legal, or tax advice.
Common questions
Does the cheapest offer have the lowest premium?
Only after shipping, payment fees, and the tax amount you enter are included. Compare effective cost per fine ounce when product sizes differ.
Why is buyback optional?
Many dealers do not publish a firm buyback quote. Leaving it blank keeps the purchase comparison usable without inventing a resale number.
Can I compare a bar with a coin?
Yes, on effective cost per fine ounce. Product recognition, condition, storage, and likely resale terms still require separate checks.
Does this show live dealer prices?
No. You enter the spot reference and each offer yourself. Record their timestamps and reconfirm the final checkout before buying.