Gold Calculator — ₹5,000 per month
See what a ₹5,000 monthly gold investment grows into over time, accounting for making charges and GST — not just the raw spot-price return.
Gold Calculator — pre-filled with these numbers
Opens the full calculator with these values already set, in your own currency — adjust anything and the result updates instantly.
Open calculator →Each monthly purchase is reduced upfront by GST/making-charge costs, then the net amount compounds at the appreciation rate. Because the cost drag hits before any growth happens, higher-cost buying channels (jewellery) meaningfully underperform lower-cost ones (digital gold, ETFs) even at an identical appreciation rate.
Physical gold held over 2 years qualifies for LTCG (12.5%, no indexation, post-July-2024 rules); under 2 years it's taxed at your slab. Gold ETFs/mutual funds typically follow debt-fund-like slab taxation regardless of holding period — verify which instrument you're actually comparing.
Does this include making charges?
Yes — the cost field accounts for GST and making charges on physical gold, which meaningfully reduce the effective return compared to the raw appreciation rate.
Is this a simplified version of the real calculator?
No — it's the exact same calculator, opened with these values already filled in. There's no separate, simplified math happening on this page; everything below adjusts once you open it.