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Gold Savings Simulator

▲ +200.37%
Buy Gold From Rp10,000

See what saving in gold regularly would have produced, calculated from gold price movements that actually happened. Every rule of the strategy is visible: the buy frequency, the contribution and the annual step-up.

Set Your Strategy
Monthly Contribution
IDR
Saving Frequency
Annual Contribution Increase
Simulation Period
Today's Value (Buyback Price)
Rp122,340,748
Total Contributions: Rp60,000,000 · Gold Accumulated: 48.5177 g · Return: Rp62,340,748 (+103.9%)

This simulation shows how your gold savings would have performed if you contributed Rp1,000,000 on the 1st of each month, based on Pluang's buy price on each date. The final value is calculated using today's sell (buyback) price.

Contributions vs Gold Value over 5 Years

Based on historical gold prices at each purchase date

Compare Savings Periods

Same contribution strategy, different saving periods
Saving periodPurchasesTotal contributionsGold accumulatedAverage buy priceToday's value (buyback price)
1 Years12×Rp12,000,0004.6372 gRp2,587,784Rp11,692,956 -2.6%
2 Years24×Rp24,000,00012.0258 gRp1,995,702Rp30,324,005 +26.4%
3 Years36×Rp36,000,00022.5515 gRp1,596,349Rp56,865,076 +58.0%
4 Years48×Rp48,000,00035.0084 gRp1,371,101Rp88,276,022 +83.9%
5 Years · Selected60×Rp60,000,00048.5177 gRp1,236,662Rp122,340,748 +103.9%

Each row uses the same contribution strategy over a different saving period, based on historical gold prices.

Purchase Breakdown

DatePrice per gramContributionGold purchasedTotal gold accumulated

Frequently Asked Questions

Monthly backtest with no step-up: Rp60,000,000 of contributions became Rp122,340,748 (48.5177 grams) at today's buyback price. Actual results depend on how prices move.
Each contribution buys gold at Pluang's buy price on that date, using the closest close on or before it. The grams from every purchase are added up, then valued at today's buyback price of Rp2,521,570 per gram. No growth is assumed.
The contribution rises by the chosen percentage every completed year of saving. A 1 million contribution with a 10 percent step-up becomes 1.1 million in year two and 1.21 million in year three.
Yes. Gold prices move both ways, and the buyback price is always below the buy price. Try the 1-year period in this simulator to see a window that ends negative.

Other tools

This simulator does the maths; the Gold Savings page explains the product itself: auto-invest, instalments, and physical gold withdrawal.