Skip to content
ENExplore Calculators

Gold Loan Calculator

Work out gold loan instantly with clear inputs, formula shown and shareable results.

About Gold Loan Calculator

Gold loans are sized from the assessed value of the pledged ornaments — weight times the applicable per-gram rate for the purity — capped by a regulatory loan-to-value limit. Most are interest-servicing facilities with principal repaid at the end.

Formula

Gold loan sizing

Loan = grams × rate per gram × LTV cap

Worked example

With the default values below, Gold Loan Calculator returns Loan Amount Available of $232,500. Change any input above and every figure here is recalculated in your browser.

Inputs used

Weight Of Gold In Gramsaccepts 1–5,000
50
Rate Per Gramminimum 0
6,200
Loan To Value Allowedaccepts 10–90 %
75 %
Annual Interest Rateaccepts 0–100 %
12 %

Results

Loan Amount Available
$232,500
Assessed Value Of Gold
$310,000.00
Monthly Interest
$2,325.00
Interest Over A Year
$27,900.00

Step by step

  1. 1Values used
  2. 2Gold loan sizing
  3. 3Loan Amount Available= 232,500
  4. 4Assessed Value Of Gold= 310,000.00
  5. 5Monthly Interest= 2,325.00
  6. 6Interest Over A Year= 27,900.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.

Frequently Asked Questions

Does the making charge count?

No. Valuation is on gold content only, so stones and craftsmanship add nothing to the eligible amount.

What if gold prices fall?

The lender may ask for a part payment to restore the loan-to-value, or in extreme cases auction the pledged gold.

Related Calculators

Gold Loan Calculator – Calculate Loan Amount Available