Gold Loan Calculator

Global estimate • Multi-currency • Shareable results

Gold details

Tip: enter the rate you see locally (you can change currency too).

Loan settings

Typical LTV varies by lender and country.
Helps estimate affordability.

Results

Eligible loan amount
$0.00
Monthly payment
$0.00
EMI
Total interest
$0.00
Total repayment
$0.00
Affordability: enter income to see
Rule of thumb: payments under 25% of net monthly income are usually safer.
Principal vs Interest
Disclaimer: This calculator provides estimates for educational purposes only and does not constitute financial advice or a loan offer. Rates, LTV, fees, and valuation methods vary by lender and region.

Gold Loan Calculator 

Our Gold Loan Calculator helps you accurately estimate how much loan you can get against your gold, how much you’ll pay every month, and the total cost of borrowing — all in seconds.
Whether you’re pledging gold jewelry, coins, bars, or scrap gold, this calculator gives you a clear, unbiased estimate based on gold purity, weight, loan-to-value (LTV), interest rate, and tenure.

This tool is designed for global users and works across currencies, loan types, and repayment models.

Gold Loan Formula

Eligible Loan Amount=Gold Value×LTV Ratio\text{Eligible Loan Amount} = \text{Gold Value} \times \text{LTV Ratio}

Example:

  • Gold value = $10,000
  • LTV = 75%

Eligible loan:

  • $7,500

EMI Calculation Formula

EMI=P×r×(1+r)n(1+r)n−1EMI = \frac{P \times r \times (1+r)^n}{(1+r)^n – 1}

Where:

  • P = principal loan amount
  • r = monthly interest rate
  • n = loan tenure in months

This formula helps estimate monthly repayment obligations for reducing-balance gold loans.

Frequently Asked Questions (FAQ)

How much loan can I get against my gold?

It depends on gold weight, purity, current gold price, and LTV. Most lenders offer 50%–80% of gold value.

Does a gold loan affect credit score?

In many cases, timely repayment can help your credit profile. Missed payments may negatively affect it.

Is gold loan interest calculated monthly?

Yes. Interest is usually calculated monthly, but repayment structure varies (EMI, interest-only, bullet).

Is this calculator accurate?
This tool provides estimates based on standard formulas. Final amounts depend on lender policies.
Is my data stored?

No. All calculations run locally in your browser. No personal data is saved.

Disclaimer

This Gold Loan Calculator is for educational and informational purposes only. It does not constitute financial advice or a loan offer. Actual loan terms may vary by lender, country, and market conditions.

 

About GoldLoanCalculators.com

GoldLoanCalculators.com is an educational financial calculator platform designed to help users estimate gold loan eligibility, monthly repayment costs, and borrowing affordability across multiple countries and currencies.

Our calculators are intended for informational purposes only and do not constitute financial advice or lending services.

Contact:
support@goldloancalculators.com