Calculator
What could steady saving build?
Adjust the inputs to see a projection, including the real cost of fees over time. Your settings are saved in the URL, so you can share or bookmark a scenario.
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Illustrative, not a forecast. This assumes a constant annual price change, which real prices never actually do. It's a tool for understanding fee drag and the mechanics of compounding, not a prediction of what gold will return.
- Projected value
- $37,957.89
- Total contributed
- $31,000.00
- Fee drag (vs. zero fees)
- $2,261.79
With fees Without fees (comparison)
What's actually being modeled
Every month, your contribution is added, growth is applied at the fixed annual rate you set (converted to a monthly rate), and, for the "with fees" line, the product's entry spread and ongoing storage fee are deducted along the way, plus a final redemption spread at the end, as if you sold everything on the last day.
Real gold prices don't move at a constant rate. They go up, down, and sideways unpredictably. This tool isolates two things you can reason about: how compounding works, and how much fees actually cost over time. For fee details by product, see Pricing & Fees.
Risk warning: This is a planning illustration, not a prediction or guarantee. Actual results will differ, possibly significantly. Read the full Risk Disclosure.