Precision-engineered calculators for collectors and professionals. Estimate market value, determine exact sizing, and analyze gemstone coverage.
Retailer Finder
Not sure where to buy? Our algorithm matches you with the perfect jeweler based on your budget & style.
Ring Size Calculator
Don't guess your fit. Convert CM/MM measurements into exact US, UK, and EU ring sizes instantly.
Diamond Rate Calculator
Access real-time diamond market rates based on Cut, Clarity, Color, and Carat (4Cs).
Moissanite Value Tool
Accurate pricing models for Moissanite. Determine fair retail and resale value before you buy.
Diamond Appraisal
Generate professional appraisal estimates for insurance coverage and investment analysis.
Diamond Resale Value
What is your diamond really worth? Calculate the estimated cash-back value in the secondary market.
Moissanite vs. Diamond
Side-by-side cost analysis. Visualize the price difference between natural diamonds and Moissanite.
Pearl Value Calculator
Valuation for Akoya, Tahitian, and Freshwater pearls based on luster, size, and surface quality.
Finger Coverage
Visualize how different diamond shapes and carat sizes will look proportional to your hand size.
Quick Summary: This page aggregates professional-grade jewelry valuation tools. Use the Ring Size Calculator for precision fitting, the Diamond Rate Calculator for real-time market pricing, and the Resale Value Tool to understand the liquidity of your assets. All tools are updated for the 2026 market.
Why Precision Matters in Jewelry Valuation
Jewelry is more than just adornment; it is a financial asset class with its own complex market dynamics. Whether you are a collector looking to insure a high-value piece, a groom-to-be attempting to calculate the fair market value of an engagement ring, or an investor analyzing the depreciation curve of natural diamonds, guessing is not a strategy.
We have developed this suite of AI-enhanced jewelry calculators to bridge the gap between retail opacity and consumer clarity. By leveraging real-time data on the 4Cs (Cut, Color, Clarity, Carat), gold spot prices, and global market trends, our tools provide you with the data you need to negotiate, insure, and buy with confidence.
Diamond vs. Moissanite: Understanding Value
One of the most common dilemmas for modern buyers is choosing between a Natural Diamond, a Lab-Grown Diamond, and Moissanite. While they may look similar to the untrained eye, their value retention and pricing structures are vastly different. Before using our Diamond Rate Calculator or Moissanite Price Tool, review this value matrix.
| Valuation Factor | Natural Diamond | Moissanite | Our Calculator's Role |
|---|---|---|---|
| Primary Cost Driver | Rarity & Origin. Prices scale exponentially with Carat weight. | Manufacturing & Size. Prices scale linearly; much more affordable. | Use the Comparison Tool to see the exact $ difference. |
| Resale Liquidity | Moderate (30-60%). You typically recover a portion of retail price. | Low. Generally bought for wear, not as a financial investment. | Check your stone's Resale Value before selling. |
| Market Volatility | High. Fluctuates with global mining supply and luxury demand. | Stable. Prices are consistent and determined by production costs. | Our tools update daily to reflect current market rates. |
| Best Use Case | Heirloom pieces, investment assets, traditional engagements. | Travel jewelry, budget-conscious luxury, fashion pieces. | Use the Appraisal Tool for insurance. |
How to Use the Ring Size Calculator
A fraction of a millimeter can be the difference between a ring that feels secure and one that slips off unnoticed. Our Ring Size Calculator is designed to convert raw measurements (circumference or diameter in mm) into standard international sizes.
Common Ring Sizing Mistakes to Avoid
- Measuring Cold Fingers: Your fingers shrink when cold. Always measure your ring size at the end of the day when your fingers are at their largest to ensure a comfortable fit.
- Ignoring Band Width: A wide band (over 4mm) will feel tighter than a thin band. If you are buying a thick cigar-style band, our calculator recommends sizing up by a half-size.
- Confusing Diameter vs. Circumference: This is the #1 error. Circumference is the distance around the finger. Diameter is the distance across the inside of an existing ring. Ensure you select the correct input in the tool.
The Truth About Diamond Resale Value
Many buyers are shocked when they attempt to sell a diamond ring and are offered 30% of what they paid. This is not a scam; it is the difference between Retail Replacement Value (what you pay) and Liquidation Value (what a jeweler pays).
Our Diamond Resale Calculator breaks down this reality. It subtracts the cost of the setting, the retailer's markup, and VAT/taxes to give you a realistic "Cash Now" figure. This tool is essential for:
- Divorce Settlements: Determining the fair split of assets.
- Upgrading: Knowing your trade-in power before entering a store.
- Estate Planning: Accurately valuing inherited jewelry for tax purposes.
Finger Coverage: The "Visual Carat" Secret
Did you know a 1-carat Oval diamond looks larger than a 1-carat Round diamond? This is known as "face-up area" or finger coverage.
Our Finger Coverage Calculator calculates the percentage of your finger width that the stone will hide. This is a powerful metric for maximizing your budget. If you want a "big look" without the heavy price tag of high carat weight, use this tool to find shapes (like Pear, Oval, or Marquise) that offer higher finger coverage percentages per carat.
Frequently Asked Questions (FAQ)
How accurate are these jewelry calculators?
Our tools use algorithmic pricing based on the current Rapaport Price List equivalents and real-time market averages. While no online tool can replace a physical inspection by a GIA-certified gemologist, our calculators provide a highly accurate baseline for negotiation and estimation.
Can I use the Diamond Rate Calculator for Lab-Grown Diamonds?
Yes, but you must select the "Lab-Grown" toggle. Lab-grown diamonds trade at a significant discount compared to natural stones (often 70-90% less). Using the natural diamond price chart for a lab-grown stone will result in a heavily inflated valuation.
Does the Pearl Calculator work for Mikimoto pearls?
Our Pearl Value Calculator estimates value based on type (Akoya, South Sea, Tahitian, Freshwater), size, and luster. While it provides an accurate market range, branded pearls like Mikimoto often carry a "brand premium" that may exceed the intrinsic value of the loose pearls.
Ready to Value Your Jewelry?
Select a tool from the dashboard above to get started with your free, instant estimation.
Common Questions About Our Tools
Yes. Our tools use live market data averages from 2025/2026. However, every diamond and gemstone is unique. These calculators provide a highly accurate estimate based on standard grading factors (4Cs), but they cannot replace a physical inspection by a certified gemologist.
Appraisal Value is the cost to replace your item new (retail price + insurance buffer). Resale Value is the cash amount a jeweler or pawn shop will pay you for it used. Resale value is typically 30-50% of the original retail price.
Yes. Our tool converts measurements (millimeters/centimeters) into the standard sizing scales for the US, UK, Europe, and Asia. Simply measure the inside diameter of an existing ring or the circumference of your finger.
When you buy a diamond at retail, the price includes the jeweler's overhead, marketing, taxes, and profit margin. When you resell it, you are generally selling the raw materials back to the market, stripping away those retail markups.
Our calculator estimates pricing based on premium moissanite brands like Charles & Colvard (Forever One). Unbranded or generic moissanite found on marketplaces may cost significantly less but often lacks the color and clarity guarantees of premium stones.
Use our Retailer Finder Tool. It asks three simple questions about your priority (Price, Quality, or Custom Design) and your budget to recommend the specific online store that excels in that area.
Finger coverage refers to how much of your finger's width is taken up by the diamond. A higher percentage (40%+) generally looks more impressive. Our visualizer tool helps you see how different shapes (like Oval vs. Round) maximize coverage for the same carat weight.
The Appraisal Calculator provides a solid baseline estimate for insurance quotes. However, most insurance companies will require a formal document signed by a licensed appraiser before finalizing a policy for high-value items.
Lab-grown diamonds are a manufactured product. As technology improves, the cost to produce them drops, lowering their market value over time. Natural diamonds have a finite supply, which historically supports better value retention.
Yes, all tools on this page are 100% free. We aim to bring transparency to the jewelry industry so you can make informed buying and selling decisions without paying for basic data.