Project Your Gold Returns Over Time
Model lump sum, dollar-cost averaging, and portfolio allocation strategies. See how compound growth builds wealth with customizable return rates and time horizons.
Investment Projection
Why Use This Investment Calculator
Multiple Scenarios
Lump sum, dollar-cost averaging, and portfolio allocation in one tool.
Compound Growth
See compound returns over 1-50 year periods with customizable rates.
Portfolio Analysis
Compare gold vs other assets. See optimal allocation percentages.
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All calculations in your browser. No data stored or transmitted.
How Returns Are Calculated
Historical Gold Returns
| Period | Start Price | End Price | Total Return | Annualized |
|---|---|---|---|---|
| 2000-2010 | $272/oz | $1,421/oz | +422% | +18.0% |
| 2010-2020 | $1,421/oz | $1,887/oz | +32.8% | +2.9% |
| 2015-2024 | $1,060/oz | $2,350/oz | +121.7% | +9.2% |
| 20-Year (2004-2024) | $409/oz | $2,350/oz | +474% | +9.1% |
| 50-Year (1974-2024) | $183/oz | $2,350/oz | +1,184% | +5.3% |
Source: LBMA, World Gold Council. Past performance does not guarantee future results.
Frequently Asked Questions
Over 20 years (2004-2024): ~9.1% annually. Over 50 years: ~5.3%. Returns vary significantly by period. Use 5-8% for conservative long-term projections.
Lump sum outperforms ~68% of the time historically. DCA reduces timing risk and emotional stress. Best for building positions gradually.
Most advisors recommend 5-15%. The World Gold Council suggests 5-10% for optimal diversification. Conservative: 5%. Inflation-concerned: 10-15%.
Once daily via GoldAPI.io. All visitors see the same price each day for consistency. Cache refreshes automatically each morning.