Important limits on how to use the information on Monitoring Money.
Monitoring Money publishes reference gold price pages, local rate pages, calculators, and buying guides for informational and educational purposes only. By using the site, you acknowledge that the information provided does not constitute and should not be relied upon as personal financial, investment, legal, or tax advice.
Prices shown are benchmarks, not dealer quotes
Gold prices displayed on country pages, rate pages, unit pages, and purity pages reflect the international spot market benchmark converted to local currency. These are reference levels based on wholesale market data, not offers to buy or sell from any dealer. Actual retail prices will differ because of:
- Dealer premiums over spot, which vary by product, size, and source (typically 1-10% for bullion products).
- Making charges for jewellery, which may add 8-30% or more to the pure gold cost.
- Local taxes and duties such as India GST (3%), UAE VAT on jewellery (5%), and import duties.
- Shipping, insurance, and storage costs for physical products.
- Buyback spread: dealers typically pay 80-98% of melt value when purchasing gold from the public.
Tools are for guidance only
Calculators on the site are decision-support tools. Results depend on the inputs you enter, the live spot price at the time of calculation, and assumptions built into the tool. Calculated outputs are estimates, not guaranteed prices or valuations. You should verify important figures directly with a dealer, refiner, or other relevant professional before making any transaction.
Product information is for comparison only
- Product pages are intended to help readers compare bullion formats, not to recommend specific products or dealers.
- Marketplace links or affiliate links may be included. Monitoring Money may earn a commission if you purchase through such links at no additional cost to you. See the advertising disclosure for details.
- Product availability, pricing, and specifications should be confirmed directly with the seller before purchase.
Analysis is not a prediction or recommendation
Blog articles, forecast pieces, and market explainers reflect the editorial team's understanding of publicly available information at the time of writing. Gold prices are volatile and can move significantly in a short period. Past price performance does not predict future results. Nothing published on the site should be interpreted as a recommendation to buy, sell, or hold gold or any related financial product.
Seek qualified guidance for important decisions
For investment decisions, tax planning, legal matters, or estate planning involving gold, you should seek advice from a qualified financial adviser, tax professional, or solicitor who can take account of your personal circumstances. Monitoring Money does not provide and is not a substitute for such advice.