Free jewellery tool

Jewellery billing calculator for India

Work out the full jewellery bill — metal, wastage, making (₹/g, %, fixed), stones, hallmark, split GST, and old-gold exchange — with the same maths SwarnaVyapar uses on GST invoices.

Seeded with today's board rates: 22K ₹14,519/g · 24K ₹15,839/g · 18K ₹11,879/g. Edit any rate to match your shop board.

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Jewellery billing calculator

Same counter maths as SwarnaVyapar GST invoices: wastage on weight, making modes, split GST, old gold after tax.

Effective 10.200 g · metal ₹1,48,093.80 · making ₹6,500.00

Net payable

₹1,59,408

Grand ₹1,59,408

Metal + stones
₹1,48,138.80
Making (taxable)
₹6,500.00
CGST
₹2,384.58
SGST
₹2,384.58
Hallmark included
₹45.00

Built for real jewellery counters

Not a grocery POS total — every control maps to how Indian jewellers actually quote.

Multi-line bills

Mix 22K chains, 18K diamond mounts, and silver in one quote — each line keeps its own making mode.

Split GST (3% + 5%)

See CGST/SGST or IGST the way a proper jewellery invoice breaks tax — not a single fuzzy 3%.

Old-gold exchange

Deduct exchange value from payable without illegally shrinking the GST base.

Hallmark fee

Add ₹45 per hallmarked piece (typical BIS fee) when the shop charges it separately.

Live rate seed

Prefills today’s 24K / 22K / 18K national rates from SwarnaVyapar’s gold-rates feed — editable for your board rate.

Shop-ready export

Copy an itemised breakdown to WhatsApp or notes, then open SwarnaVyapar to turn the quote into a GST invoice.

How the bill is calculated

Crawlable, shop-owner formula — matching SwarnaVyapar invoice engine.
  1. 1

    Metal value

    Effective weight = net grams + (net × wastage%). Metal = effective weight × rate per gram. Stones and hallmark fees sit with metal for 3% GST.

  2. 2

    Making charges

    Choose ₹/gram, % of metal, or fixed amount — the three modes Indian counters actually use.

  3. 3

    Discount (optional)

    Cash discount comes off metal first, then making — same order as SwarnaVyapar GST invoices.

  4. 4

    Split GST

    3% on metal + stones; 5% on making. Intra-state: CGST + SGST. Inter-state: IGST.

  5. 5

    Old gold & round-off

    Old gold reduces net payable after tax. Optional nearest-rupee round-off matches counter cash drawers.

Example: 10g × ₹10,000/g + making ₹800/g → metal ₹1,00,000 + making ₹8,000. GST = 3% of metal (₹3,000) + 5% of making (₹400) → ₹3,400 tax → grand ₹1,11,400 (same-state CGST+SGST).

Jewellery billing FAQ

How is a jewellery bill calculated in India?+

Metal value = (net weight + wastage weight) × rate per gram. Add making charges (per gram, percent of metal, or fixed), stone value, and hallmark fee if charged. GST is typically 3% on metal + stones and 5% on making charges. Old gold reduces what the customer pays, not the taxable metal base.

Is GST 3% on the whole bill or split?+

Many shops still quote “3% GST on everything”. Under common jewellery GST practice mirrored in SwarnaVyapar invoices, metal and stones attract 3% (usually CGST 1.5% + SGST 1.5% within the state) while itemised making charges attract 5% (2.5% + 2.5%). Inter-state bills use IGST instead of CGST/SGST.

What is wastage on a gold bill?+

Wastage is extra gold weight charged for manufacturing loss. If net weight is 10g and wastage is 3%, effective weight becomes 10.3g before multiplying by the rate. Some shops fold wastage into making — always ask for an itemised bill.

How do making charges work — percent vs per gram?+

Per gram: making rate × net weight. Percent: making % × metal value (after wastage). Fixed: one flat amount for the piece. Bridal and temple work often use higher %; plain chains often use ₹/g.

Does old gold exchange reduce GST?+

No. In this calculator (and in SwarnaVyapar invoices), old-gold value is deducted from the amount payable after tax. It does not shrink the metal GST base — that keeps the bill compliant and CA-friendly.

Is this the same formula SwarnaVyapar uses on real invoices?+

Yes for line maths and split GST. The public tool is a planning calculator. Your live shop still applies your saved rates, inventory tags, HSN/SAC, customer GSTIN for intra/inter-state, loyalty, and print/WhatsApp from the invoice screen.

Turn this quote into a GST invoice

SwarnaVyapar applies this calculator on every bill — with QR stock, PDF print, WhatsApp share, and CA-ready GST reports.

  • Purity, gross/net weight, making modes on every line
  • Split GST + old-gold exchange without tax hacks
  • Print PDF or WhatsApp before the customer leaves
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