Precious Metal Dealer Premium Calculator
Melt value vs. dealer price — compare transparently
Calculate a coin or medal’s premium versus live melt value. Useful for Vreneli, Swiss francs, Morgan dollars, Kennedy halves, and custom pieces.
Enter a dealer or offer price and see immediately how far it sits above or below melt value. A negative premium means buying below spot. Use the catalogue (Swiss francs, Vreneli, US dollars, and more) or enter gross weight and fineness yourself.
Frequently Asked Questions
The premium is the markup (or discount) of the purchase price versus pure metal value (melt value). Formula: Premium = (dealer price − melt value) / melt value. If the price is below melt, the premium is negative — you are buying below spot.
Melt value is fine weight × the current gold or silver spot price. Fine weight = gross weight × fineness (e.g. 15 g × 0.900 = 13.5 g fine silver). Spot prices are live via metalpriceapi.
Typical pieces such as Swiss Vreneli and franc silver coins (½–5 francs), Swiss silver medals (15 g · 900‰), Morgan and Peace dollars, Kennedy half dollars (90% / 40%), Eisenhower dollars, generic 1 oz bullion, and other historical coins. If your piece differs, use “Custom values”.
USD is a common quote currency for English audiences. You can switch currency in the widget; spot is reloaded for the selected base. The German page defaults to CHF.
No. The calculator helps put offer prices in context relative to metal value. It is not advice and does not include dealer spreads, VAT, or shipping.