Verify a jeweller’s bill in seconds — metal cost, wastage, making charges and GST, itemised. Pick the metal and city, enter the weight, and compare line by line with the bill you’ve been handed. Working from a budget instead? Use the gold budget calculator. Free, no sign-up, with today’s live rates.
Have a fixed amount to spend? Enter your budget and this calculator works backwards through wastage, making charges and GST to show the weight of finished gold, silver or platinum you can actually take home. Already have a bill to check? Use the jewellery bill calculator.
The same tool works for every jewellery metal — switch the metal at the top of the calculator and it loads today’s live rate and the right purity options for that metal.
Prices 24K (999), 22K (916) and 18K (750) gold from the IBJA reference rate. Pick your city to apply the local premium, enter the weight, then add wastage, making charges and GST (3% on the gold value, 5% on making). It is the quickest way to check a gold chain, ring or bangle bill before you pay.
Uses the national 999 silver rate. Enter the weight and your jeweller’s wastage and making charges to see the full silver jewellery cost broken down, with GST applied the same way as gold.
Uses the national platinum rate for hallmarked platinum pieces. The breakdown — metal cost, wastage, making and GST — is identical, so you can compare a platinum quote against gold on the same basis.
22K · today’s rate · INR per gram
Gold carries a small local premium that varies by city. Select your city in the calculator above to price your jewellery exactly, or tap a city below for its full daily rate and chart.
Every jewellery bill in India stacks the same four components on top of each other. Understanding the order is what stops you from being over-charged:
Suppose you’re buying a 10 g 22K gold chain. If the 22K rate is ₹9,000/g, the metal cost is ₹90,000. With 10% wastage that’s ₹9,000, and 12% making on (metal + wastage) is ₹11,880. GST is 3% on (metal + wastage) = ₹2,970 and 5% on making = ₹594. Total: ₹1,14,444.
If the bill the jeweller hands you reads ₹1,20,000 for the same piece, the difference (₹5,500+) is unexplained — typically it’s higher wastage or making than what was verbally quoted. Asking for the breakdown line by line, with the calculator open on your phone, almost always settles it.
If you’re working the other way round — you have a fixed amount to spend and want to know how many grams it buys — use the gold budget calculator above. Enter your budget and it solves backwards through wastage, making charges and GST to show the weight of gold you can actually take home, not just the raw metal your money would buy.
At today’s national 22K rate of ₹14,342.24/g, assuming 5% wastage, 12% making charges and GST, here’s roughly what common budgets buy in finished 22K jewellery:
| Budget | Approx. 22K gold you can buy |
|---|---|
| ₹50,000.00 | 2.89 g |
| ₹1,00,000.00 | 5.77 g |
| ₹2,00,000.00 | 11.55 g |
Indicative only. Your actual grams depend on the purity, your city’s rate, the ornament’s wastage and making charges, and whether GST applies — buying 24K coins with no making charges stretches the same budget further. Use the calculator with your own figures for an exact answer.
Yes — it is one calculator for all three. Switch the metal at the top between gold, silver and platinum and each loads today's live Indian rate and its hallmark purity options (24K, 22K and 18K for gold). So the same tool works as a gold jewellery calculator, a silver jewellery calculator and a platinum jewellery calculator, with the same wastage, making-charge and GST breakdown for each.
Yes. For gold, pick your city (Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Kolkata, Ahmedabad, Pune, Surat, Jaipur, Coimbatore, Kochi and other major Indian cities) and the calculator applies that city's local premium on top of the IBJA national reference rate before adding wastage, making charges and GST. Silver and platinum are quoted as a single national rate, so no city selection is needed for them.
Yes. It is completely free, needs no sign-up, and runs entirely in your browser — nothing you type is sent anywhere. Open it on your phone at the counter to check a bill before you pay.
Yes — there is a separate reverse calculator for exactly this. Type how much you want to spend (say ₹1,00,000) and it tells you roughly how many grams of gold you can afford at today's rate once wastage, making charges and GST are included. It is the reverse of the bill calculator: instead of grams in and price out, you put your budget in and get grams out.
Showing today’s gold rate for Bangalore. Adjust the figures to match your jeweller’s bill.
Showing today’s gold rate for Bangalore. Enter your budget to see how many grams you can afford.
It depends on the purity, your city's rate, and how much wastage, making charges and GST the jeweller adds. As a rough guide, at a 22K rate around ₹9,000/g with ~5% wastage, ~12% making and GST, a ₹1,00,000 budget buys roughly 9 g and ₹50,000 buys roughly 4.5 g of finished jewellery. Use the "By budget" mode with your own figures for an exact number — buying 24K coins or biscuits with no making charges gets you more grams for the same money.
They vary by design and jeweller, but typical starting points are: plain chains and kadas around 5% wastage and 8% making; rings around 6% and 12%; bangles around 7% and 12%; necklaces and harams around 10% and 16%; and intricate antique, temple or kundan work 14% and 22% or higher. The calculator's ornament-type selector fills these typical values for you, and you can edit them to match your actual bill — they are guidance, not fixed rates.
Pick the purity (22K, 24K or 18K) on the slider, enter the gold weight, and tap "Use today's rate" to fill in the per-gram price for the city the page is showing. Then add the wastage percentage, making charges, and GST rates from your bill — the calculator itemises metal cost, wastage, making, and GST, and shows the total. Compare it line by line with the bill the jeweller has handed you.
Wastage is the gold that is lost while shaping the jewellery (cutting, melting, polishing). Jewellers add it as a percentage of the metal weight — typically 5–12% for machine-made designs and up to 25% for handmade or intricate pieces. It is added to the metal cost before making charges and GST are applied.
Making charges cover the jeweller's labour and design fee. They are quoted either as a flat percentage of the metal value (often "with wastage", i.e. on metal + wastage) or as a fixed amount per gram. Branded retailers tend to charge 10–20%; local jewellers vary widely. The calculator supports both bases.
GST is 3% on the gold value (metal + wastage) and 5% on the making charges. The calculator splits these out so you can see exactly how much tax is being levied on each component.
The page rate is the per-gram metal value at the standard purity. A jewellery bill adds wastage, making charges, and GST on top — these are often 15–30% of the final price. Use the calculator to estimate what your bill should look like before you walk into the showroom.
The purity selector (22K = 916, 24K = 999, 18K = 750) corresponds directly to the BIS hallmark stamps. Always cross-check the stamp on the piece against the purity you are billed for — you are entitled to the purity you pay for.
