Fee Impact Calculator

How a Hidden Dealer Markup Shrinks Your Stack Over Time

A dealer markup isn't a one-time 6%. Every dollar of markup is metal you never bought — and that missing metal would have grown right alongside the rest. See what a markup really costs over the life of your stack.

Which metals?

How much are you putting in?

The amount you're investing or rolling over.

Split between gold & silver

Gold 70% · $52,500Silver 30% · $22,500

Choose your dealer markup %

0%15%

A typical dealer markup runs about 5–8%, tucked into the coin price. Metal bought at cost is 0%.

When did you start?

Pick any month from 1975 to today — the first full year Americans could freely own gold again.

Project into the future

Assumed gold growth / year

Assumed silver growth / year

Project this many years ahead

Not sure what to enter? Open Historical yearly averages under the chart for a guide.

Metal your money bought

—

Value today

—vs—

No markup vs your markup

What the markup really cost you

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Your stack, with & without a dealer markup

Historical to today, then projected forward.

No markup With markup Lost growth

How much gold and silver have gained per year on average, measured to today. Past averages aren't a forecast — but they're a sensible starting point for the growth numbers on the left.

Gold — average gain / year

Silver — average gain / year

Want a conservative case? Use the 20-year averages.

Illustrative and educational — not investment, tax, or legal advice. Gold and silver prices are modeled from real annual averages, anchored to current spot; the markup is applied once at purchase (fewer ounces acquired), so its effect compounds as prices rise. Future projections use the growth rate you enter and are not a prediction. Your results will vary.