Gold vs Cash Value Calculator | Preserve Your Wealth | Karat.au

Gold vs Cash Value Calculator: Discover Your Investment’s True Worth

This calculator demonstrates one of gold’s most compelling attributes: its ability to preserve purchasing power over time, often outperforming cash that gradually loses value due to inflation. By comparing how your money would have performed if invested in physical gold versus kept as cash, you can make more informed decisions about wealth preservation strategies.

This calculator compares two financial scenarios to help you understand how your money could have performed over time:

Gold Investment

You purchase a set amount of gold at a historical price and hold it until today, using actual gold price data (AUD per troy ounce).

Cash Holding

You hold the same amount in Australian dollars (AUD) as cash, uninvested, over the same period.

Why This Matters

Over time, inflation can erode the purchasing power of cash. Gold, however, has historically been viewed as a hedge against inflation and a long-term store of value -especially during times of financial uncertainty or currency weakness.

This tool helps you visualise that difference by showing how the value of gold compares to the declining purchasing power of fiat currency over various timeframes.

Whether you’re exploring gold as part of your investment strategy, curious about historical performance, or simply testing what-if scenarios, this calculator offers a clear, data-informed starting point.

Try adjusting the investment amount, gold prices, and number of years held to explore different outcomes – like how gold performed during inflationary spikes or market shocks.

Note: This calculator is for educational use only and does not constitute financial advice. Always consult a qualified professional before making investment decisions. Past performance does not guarantee future results.