Gold Loan & Growth Calculator

Borrow against your gold or hold it — compare the loan cost month by month against your gold’s appreciation, with fees and the break-even point.

Set your gold’s weight and rate, then tune the loan and growth assumptions. The advance defaults to the 70% pawning estimate — override it with your own loan amount.

Gold weight

1 pawn (sovereign) = 8 grams (the unit Sri Lankan jewellers use).

Karat

Rate per 22K pawn (Rs.)

Rs. 316,971 per pawn — CalcLK indicative estimate, 2026-10-29

Use my own rate

Your rate per pawn (Rs.)

Optional — clear the box to use the live indicative rate again.

Loan vs gold growth

Rs. 316,971for 8 g (1 pawns) of 22K gold — pawn or lend against it, repay monthly, and the gold keeps appreciating.

(replaces your gold)

My gold is worth (Rs.)

Rs.

Loan as % of gold value

Licensed banks and finance companies can't lend above 70% of the gold value (CBSL rule). Check the lender before counting on this amount.

Loan amount (LKR)

Rs. 221,880

70% of your gold's value.

Loan interest (% per year)

Loan period (months)

Gold price rise per year (your guess)

Add fees (optional)

Pawn / loan fees (Rs.)

Rs.

Valuation fee (Rs.)

Rs.

Loss when selling (%)

Interest is on the remaining balance, charged monthly. Pawn lenders may charge differently — check their terms.

What will you do with the loan money?

You pay 14% per year. Gold grows 8% per year.

Every month you pay Rs. 19,922

You pay Rs. 17,184 to use Rs. 221,880 for 12 months.

−Rs. 17,184 vs just keeping your gold

Gold can fall 30% before it is worth less than the loan.

Assumes you pay the monthly instalments from your pocket, and sell the gold at market value — no making-charge loss unless you fill the fee boxes.

Show full numbers

The loan

Loan amount: Rs. 221,880
Monthly payment: Rs. 19,922
Interest: Rs. 17,184
Total repayment: Rs. 239,064
Months to pay: 12
First → last payment: 29 Nov 2026 → 29 Oct 2027

Your gold

Initial gold value: Rs. 316,971
Growth at 8% per year: +Rs. 25,358
Expected gold value in 12 months: Rs. 342,329

Cost of the loan (interest + fees)Rs. 17,184

Month by month

Month	Total paid	Interest paid	Still owe	Gold worth
0	Rs. 0	Rs. 0	Rs. 221,880	Rs. 316,971
1	Rs. 19,922	Rs. 2,589	Rs. 204,546	Rs. 319,010
2	Rs. 39,844	Rs. 4,975	Rs. 187,011	Rs. 321,063
3	Rs. 59,766	Rs. 7,157	Rs. 169,271	Rs. 323,129
4	Rs. 79,688	Rs. 9,132	Rs. 151,324	Rs. 325,208
5	Rs. 99,610	Rs. 10,897	Rs. 133,167	Rs. 327,300
6	Rs. 119,532	Rs. 12,451	Rs. 114,799	Rs. 329,406
7	Rs. 139,454	Rs. 13,790	Rs. 96,216	Rs. 331,525
8	Rs. 159,376	Rs. 14,912	Rs. 77,417	Rs. 333,658
9	Rs. 179,297	Rs. 15,816	Rs. 58,398	Rs. 335,805
10	Rs. 199,219	Rs. 16,497	Rs. 39,157	Rs. 337,966
11	Rs. 219,141	Rs. 16,954	Rs. 19,692	Rs. 340,140
12	Rs. 239,063	Rs. 17,184	Rs. 0	Rs. 342,329

Move through the loanMonth 12

You still owe

Rs. 0

Gold worth

Rs. 342,329

Interest paid

Rs. 17,184

Net (gold − debt)

Rs. 342,329

What you owe vs what you hold

Growth
Initial gold
Interest
Loan principal

Interest paid vs gold gain over time

Gold gain so far
Interest paid so far
Loan balance

Hover for month-by-month values. The dot marks break-even — where the gold gain catches the interest paid.

Your gold is yours either way — the loan adds the red part (what you still owe).

If gold moves differently…

Examples, not predictions.

Gold falls -5%/yr

Rs. 301,122

Loan cost (whatever gold does): −Rs. 17,184

−Rs. 17,184 vs keeping your gold

Your gold is worth less; the loan cost stays the same.

Your guess 8%/yr

Rs. 342,329

Loan cost (whatever gold does): −Rs. 17,184

−Rs. 17,184 vs keeping your gold

The loan costs the same whatever the gold price does.

Gold rises 15%/yr

Rs. 364,517

Loan cost (whatever gold does): −Rs. 17,184

−Rs. 17,184 vs keeping your gold

Your gold grows — that gain happens with or without the loan.

Three ways to play it

Keep the gold (no loan)

Rs. 342,329

No loan, no cost — the gold just grows.

Pawn & spend the money

Rs. 342,329

You get Rs. 221,880 to spend; the loan costs Rs. 17,184.

−Rs. 17,184 vs keeping your gold

Pawn & buy more gold

Rs. 342,895

Your gold + the bought gold ≈ Rs. 581,959 before payoff; repaying Rs. 239,064 leaves what's above.

+Rs. 566 vs keeping your gold

Scenario projection, not a forecast or advice — gold prices can fall, loan terms vary by lender, and appreciation is an assumption you set.

Estimate only, not financial advice.

Get Gold Rate Updates

Gold prices move daily — get notified of major market changes

Borrowing against gold

This page weighs the loan against growth. For the plain advance and interest, see the pawning estimate or compare the loan against keeping your fixed deposit.