Gold & Commodity Calculators

Gold is part of most Indian portfolios — held as jewellery, sovereign gold bonds, gold ETFs, or digital gold. These calculators model it as a financial instrument.

Gold SIP

Identical math to a mutual fund SIP, with gold-appropriate return assumptions:

FV = P × [((1 + r)^n - 1) / r] × (1 + r)

Recommended return assumption for gold: 8–9% nominal CAGR over long periods. Gold has historically kept pace with inflation in India, plus a modest real return.

Gold's return is more volatile year-to-year than an index fund but follows a different cycle — it tends to outperform during crises and underperform during equity bull runs. This is why a 5–10% gold allocation is often recommended as a portfolio stabiliser.

Gold XIRR

If you've made multiple gold purchases at different dates and prices, XIRR gives you the actual annualised return, accounting for timing. The calculator asks for your purchase amounts and dates, and computes XIRR using the Newton–Raphson method.

Useful for: Evaluating whether your physical gold, jewellery, or historical SGB investments have beaten inflation.

Known limitation: The calculator uses manual input. In the full platform, if you log gold as an asset with purchase history, the XIRR is computed automatically.

Real Return Calculator

Converts a nominal return to a real (inflation-adjusted) return:

Real return = ((1 + nominal) / (1 + inflation)) - 1

For a 9% nominal gold return with 5% inflation, the real return is 3.8% — not 4% (a common rounding mistake; the formula is multiplicative, not subtractive).

Why this matters for gold: Gold is often described as an "inflation hedge." The real return calculation shows you what this means numerically. If gold returns 9% while inflation runs at 6%, your purchasing power grew by only 2.8% per year — still better than nothing, but far less than the 9% headline suggests.

Comparing assets in real terms: Running every asset through this calculator with your expected inflation rate gives you a level playing field. Equity at 12% nominal with 5% inflation = 6.67% real. FD at 7% nominal = 1.9% real. These real-return comparisons often shift people from FD-heavy portfolios toward equity.