Gold Loan Calculator

grams
PKR
%
%
months
Finance Updated 16 Jun 2026

Gold Loan Calculator is a financial calculator that helps you calculate loan or mortgage payment amounts and total repayment cost. The formula used is: Gold Value = Weight × Purity × Price per Gram\nMax Loan = Gold Value × LTV%\nEMI = Loan × r × (1+r)^n / ((1+r)^n − 1). Enter monetary values in your local currency. Enter interest rates as plain numbers (e.g. enter 5 for 5 %).

Formula

Gold Value = Weight × Purity × Price per Gram Max Loan = Gold Value × LTV% EMI = Loan × r × (1+r)^n / ((1+r)^n − 1)

Example Calculation

Inputs
  • Gold Weight: 50 grams
  • Gold Price per Gram (PKR): 20000 PKR
  • Loan-to-Value (LTV): 75 %
  • Annual Interest Rate: 18 %
  • Loan Tenure: 12 months

Suppose you enter: Gold Weight = 50, Gold Price per Gram (PKR) = 20000, Loan-to-Value (LTV) = 75, Annual Interest Rate = 18, Loan Tenure = 12. The calculator applies the formula (Gold Value = Weight × Purity × Price per Gram\nMax Loan = Gold Value × LTV%\nEMI = Loan × r × (1+r)^n / ((1+r)^n − 1)) and shows all output values below. Change any input field to immediately see how the result changes.

Frequently asked questions

What is the Gold Loan?
The Gold Loan Calculator is a financial calculator that helps you calculate loan or mortgage payment amounts and total repayment cost. Enter monetary values in your local currency. Enter interest rates as plain numbers (e.g. enter 5 for 5 %).
When should I use this calculator?
Use this calculator whenever you need a quick, accurate result for loan or mortgage payment amounts and total repayment cost without working through the arithmetic manually.
What units should I enter?
Enter monetary values in your local currency. Enter interest rates as plain numbers (e.g. enter 5 for 5 %).
How accurate are the results?
Assumes constant rates, no additional fees, and no tax unless stated. Actual outcomes vary with market conditions.
How do I interpret the result?
Compare against your financial goals or market benchmarks. A higher figure may mean greater cost or greater return depending on context.
How can I verify the calculation manually?
Use the displayed formula and work through the numbers step by step. If your manual result differs slightly, check rounding and unit conversions first.
Can I use this for planning and budgeting?
Yes. Run best-case, expected, and worst-case inputs to compare outcomes and make safer planning decisions.