PreciousMetalCalc.comGold · Silver · Diamond
Insurance & Replacement Value
Diamond Appraisal Calculator
Estimate the insurance replacement value of your diamond ring or loose stone. Understand the difference between retail and resale value.
GIA-aligned estimates
4C grading system
Natural & lab grown
Free · No signup
These are market range estimates based on simplified 4C grade inputs. Actual values vary significantly. Always get a GIA-certified appraisal for insurance or major selling decisions.
e.g. 0.5, 1.0, 1.5, 2.0
Estimated Value
$0
Market midpoint
Low Estimate
$0
Conservative
High Estimate
$0
Optimistic
How Each Grade Affects Value
Cut: Very Good
Brilliance and light performance
Standard
Color: G
Near colorless — difficult to detect
Standard
Clarity: VS1
Inclusions not visible to naked eye
Standard
Natural vs Lab Grown at This Grade
Natural Diamond
$0
Mined diamond
Lab Grown Diamond
$0
~70% lower price, same physical properties
Measure across widest point
Measure shorter axis
Measure girdle to culet
From grading report if available
0.00
estimated carats
Based on shape formula. Within 5-10% of actual weight for well-proportioned stones.
Original purchase or appraisal price
Estimated Resale
$0
Secondary market
% of Purchase Price
0%
Typical retention
Buyer Offer Range
$0
Dealer / consignment
Where to Sell a Diamond
Online Diamond Buyer
Abe Mor, WP Diamonds, Worthy.com
$0
Local Jeweller
Trade-in or cash offer
$0
Auction (Sotheby's / Christie's)
Best for 2ct+ exceptional stones
$0
Consignment Sale
Worthy, I Do Now I Don't
$0
Diamond Appraisal Calculator — Key Information
Appraisal TypesInsurance appraisal (replacement value) is typically 150-200% of actual market value. Resale value is 20-40% of retail.
Insurance ValueGet an independent GIA appraisal annually to keep insurance coverage current as diamond prices change.
Certified vs UncertifiedGIA or AGS certified diamonds are easier to appraise accurately and command higher resale prices.
Setting vs StoneThis calculator estimates stone value only. A setting adds $200-$3,000+ to replacement value depending on metal and complexity.
How to Get AppraisedUse a GIA-certified appraiser only. Avoid jewellers who sell diamonds (conflict of interest). Appraisal costs $50-$150.
Market vs RetailRetail replacement value is what you would pay to replace the item in a store. It is typically much higher than resale value.