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Calcimator

Jewelry Appraisal Calculator

Estimate jewelry value including metal value, gemstone value, and craftsmanship premium for retail, insurance, and resale purposes.

Inputs

grams
ct

Results

Retail Value

$3,738.00

≈ 4 smartphones

Insurance Value$4,485.00
Resale Value$1,495.00
Melt/Scrap Value$375.00
Metal Value$375.00
Stone Value$2,500.00
Craft Premium30%
How to Use This Calculator
  1. Select Metal Type (14K gold, 18K gold, sterling silver, platinum) and enter Metal Weight in grams.
  2. Set Stone Type (none, diamond, sapphire, ruby, emerald) and Stone Carats.
  3. Set Stone Quality (1=commercial to 4=exceptional) and Craftsmanship level.
  4. Review Retail Value — the replacement cost at retail.
  5. Check Insurance Value — typically 10–20% above retail for scheduled coverage.
  6. Compare Resale Value and Melt/Scrap Value for realistic sale expectations.

How the result changes with Stone Carats

Stone CaratsRetail Value
2$11,805.00
7$108,397.00
13$329,325.00
18$591,197.00

What each input means

Metal Type
1=14K gold, 2=18K gold, 3=sterling silver, 4=platinum.
Metal Weight
Weight of the metal setting.
Stone Type
0=none, 1=diamond, 2=sapphire, 3=ruby, 4=emerald.
Stone Carats
Total carat weight of stones.
Stone Quality
1=commercial, 2=good, 3=fine, 4=exceptional.
Craftsmanship
1=mass-produced, 2=quality, 3=artisan/designer.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Metal Type = 1, Metal Weight = 5, Stone Type = 1, Stone Carats = 1 = 6 input(s) provided
  2. Calculate Retail Value
    Retail Value = (metalValue + stoneValue) * craftPremium
    3738 = $3,738
  3. Calculate Insurance Value
    Insurance Value = totalRetailValue * 1.2
    4485 = $4,485
  4. Calculate Resale Value
    Resale Value = totalRetailValue * 0.40
    1495 = $1,495

Engine last updated . Checked against 3 independently-derived tests — how we verify calculators.

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