This New Zealand calculator works out the current value and return of a gold holding. Gold pays no income, so your return is purely the change in price, which makes it different from shares or term deposits. You enter the weight you hold, your buy price and the current price per unit, plus the years held, and the tool shows the value, the gain or loss, and the annual return.
Enter the price in the same unit you hold (ounce or gram) and in NZD. Gold pays no income, so this is price return only. Gains may be taxable depending on your intention; get tax advice. Estimate only, not financial advice.
The calculator multiplies your weight by the current price for the value, and by your buy price for the cost. The difference is your gain or loss; dividing it by the cost gives the total return, and spreading that over the years held gives an approximate annual return. Because gold earns no income, this price-based return is the whole story, unlike a dividend-paying share.
10 units bought at $2,800 cost $28,000; now worth $3,600 each, the holding is $36,000, a gain of $8,000 (about 29% total). Over 3 years that is roughly 8.7% a year, all from the price rise.
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