Free Online Gold Purchase Planner
Use this free Gold Purchase Planner to estimate the cost of wedding jewellery or family gold purchases before visiting a jeweller.
The planner lets you enter target weight, purity, 24K gold rate, making charges, wastage, stone charges, GST model, current savings, and monthly savings. It then estimates the final bill, landed cost per gram, savings gap, and monthly saving required before the purchase date.
Gold rates change daily and jewellery invoices vary by purity, net weight, making charges, stone weight, wastage, discounts, buyback policy, and GST treatment. Use the result as a planning estimate and verify every line on the jeweller invoice.
Key Features
When to Use This Gold Purchase Planner
How to Use the Gold Purchase Planner
- 1. Enter the target jewellery weight and select purity such as 22K or 18K.
- 2. Enter the current 24K gold rate per gram from your trusted market source or jeweller quote.
- 3. Add making charge type, making charge value, wastage or design charge, and stone or other charges.
- 4. Choose the GST estimate model that best matches your planning scenario.
- 5. Enter current savings, monthly savings, and months until purchase to see whether you are on track.
Gold Purchase Planner FAQ
Is this Gold Purchase Planner free?
Yes. The Gold Purchase Planner is free and does not require login.
Does this use live gold rates?
No. Gold prices change frequently, so you should enter the latest 24K rate per gram from your jeweller or trusted market source.
How are making charges calculated?
You can calculate making charges either as a percentage of gold value or as a fixed amount per gram, depending on how the jeweller quotes the design.
Which GST model should I use?
For retail jewellery planning, use 3% on total jewellery value. The split model is included only for comparing estimates when making or job-work charges are discussed separately.
What should I check before buying wedding gold?
Check HUID hallmarking, purity, net gold weight, stone weight, making charges, wastage, GST, buyback rules, exchange deductions, and final invoice breakup.