Begin with the reference metal value
Suppose a holding has a spot-based value of USD 1,000. A 5% purchase premium raises the amount you pay to USD 1,050.
Look at the exit quote
If the dealer buys at a 2% discount to spot, selling immediately returns USD 980 while the reference price is unchanged. The round-trip gap is USD 70 before any other charges.
Solve for the required move
Break-even requires a future spot value of 1,050 ÷ 0.98 = USD 1,071.43. That is a 7.14% rise from the starting USD 1,000 reference value.
Keep the assumptions visible
The calculator holds the premium and resale discount constant and excludes storage, insurance, taxes and fixed charges. Real buyback terms can vary by product, condition and dealer.
Sources & further reading
Sources checked 13 November 2026. These organisations provide reference material and do not endorse this website.
