Free calculator · today ₹218.32 per gram
Silver break-even calculator
Find out how high silver must go before selling pays back everything you spent, including making charges and the jeweller's buy-back deduction.
Break-even 999 rate
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- Total you paid
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- Rise needed from your purchase rate
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- Today's rate
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- If you sold today
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Making charges and GST aren't refunded when you sell, so jewellery needs a bigger price rise than bars or coins to break even.
How it works
Break-even rate = total paid ÷ (weight × purity × (1 − buy-back deduction))
Total paid is the metal value plus the making charge and 3% GST on it. When you sell, you receive the day's rate for the pure silver content, less the jeweller's deduction. The break-even rate is where those two are equal.
Frequently asked questions
Why does silver jewellery need a big price rise to break even?
Because the making charges and the GST on them are not paid back when you sell, and jewellers usually buy back a few percent below the day's rate. A 10% making charge plus a 3% deduction means silver must rise roughly 14% before you get your money back.
Are coins and bars better for resale?
Generally yes: making charges are low, so the break-even rise is much smaller. Keep the invoice and packaging to get the best buy-back price.
Sources
Rules and figures checked on 29 September 2026. Live prices update on this page automatically.