Pawn Shop Gold Calculator
Estimate how much a pawn shop will pay for your gold based on karat, weight, and the spot price you enter — check today's price on any metals site (default shown: $4,490/oz, spring 2026). This calculator shows the melt value, typical pawn loan range, and typical sell range.
Default: ~$4,490/oz (Mar 2026). Update with today's price for accuracy.
Spot-price based estimate only. Actual pawn shop offers vary by market, shop, and daily demand. Visit multiple shops for competitive offers.
MELT VALUE
$0.00
The intrinsic gold value based on purity and weight
PAWN LOAN ESTIMATE
$0 – $0
50–70% of melt value
SELL OUTRIGHT ESTIMATE
$0 – $0
65–85% of melt value
GO DEEPER
Offers depend on the specific shop, local competition, and market conditions — always get quotes from at least two shops. Read our gold pricing guide for a deeper understanding of how pawn shops price gold.
How to Find Your Gold's Karat
Look for a stamp on inner bands of rings, clasps of necklaces, or backs of earrings. Common stamps:
- 10K or 417 — 41.7% gold
- 14K or 585 — 58.3% gold (most common in US jewelry)
- 18K or 750 — 75.0% gold
- 24K or 999 — 99.9% pure gold (bullion)
- GF or 1/20 — gold-filled (minimal gold, low value)
- GP — gold-plated (essentially no gold value)
No stamp? The pawn shop will test your gold with an acid test or electronic tester at no charge.
Tips to Maximize Your Gold Payout
- Update the spot price in this calculator with today's live price from Kitco
- Separate pieces by karat before visiting — mixed bags slow down appraisals
- Get quotes from at least 2 shops — use Pawn Spots to find gold buyers near you
- Sell instead of pawn for 15–30% more cash — see pawn vs. sell
- Read our full negotiation guide before you go
Find gold buyers near you
Compare shops that specialize in buying gold and precious metals.
Gold & Silver Buyers