See the whole cost.
Explore a purchase and holding scenario using assumptions you control.
Every formula is visible.
Fine troy oz = grams × purity ÷ 100 ÷ 31.1034768.
Reference value = fine troy oz × reference price.
Purchase = reference value × (1 + premium ÷ 100).
Storage = max(reference value × annual rate ÷ 100, annual minimum) × years.
Total outlay = purchase + storage + other costs.
Illustrative net sale = unchanged reference value × (1 − sale discount ÷ 100).
Break-even reference price per oz = total outlay ÷ [fine troy oz × (1 − sale discount ÷ 100)].
A 100% sale discount leaves no proceeds and no finite break-even price. Costs remain fixed in this simplified model even if a future gold price changes. This tool illustrates arithmetic, not expected returns.