Gold Loan & Gold Value Calculator
What is your gold worth, how much can you borrow on it, and what does it cost to redeem it?
Gold prices move every day, so type today's price before you decide. Pawnbrokers and banks lend different amounts and charge different interest — the figures here are an example, not a promise.
Net salary with 8% employee EPF, 12% employer EPF, 3% ETF and downloadable payslip.
EPF 8% + 12%, ETF 3% on any salary, plus gratuity after 5 years of service.
Vehicle lease installments and loan EMI, flat vs reducing rate comparison.
Questions
Pure gold (24K) is too soft for everyday jewellery, so jewellers mix in a little alloy. 22K is 22 parts gold out of 24 — about 91.7% pure — and is the standard for gold jewellery in Sri Lanka.
Lenders give a percentage of the gold's value, usually 70–90%. This tool defaults to 80%, but check with your pawnbroker or bank — the percentage and the interest rate both differ from place to place.
You pay back the loan plus interest for every month it was out. At 2% a month, a 6-month loan costs 12% in interest on top of the loan amount.
100% free · No sign-up · Works offline · Private by design