Silver reference & calculators
A dated reference price, a unit converter, a purity-adjusted value calculator, and the gold/silver ratio. No live quotes, no buy/sell recommendations.
Silver reference price Reference
A single dated snapshot, not a live quote — silver trades nearly around the clock and this number will already be out of date by the time you read it.
| Metal | Price (USD / troy oz) | As of | Source |
|---|---|---|---|
| Silver | $64.17 | Sep 25, 2026, 5:00 PM EST | Kitco — Precious Metals |
Source: Kitco.com, "Precious Metals" price page, accessed Sep 26, 2026 — the page displayed a New York spot bid of $64.17/troy oz timestamped September 25, 2026, 5:00 PM EST. Kitco's own timestamp lags real-time by a few minutes and can differ slightly from other dealers' quoted spreads.
Unit converter
Convert between the units silver is commonly weighed in worldwide. Conversions use exact/standard trade-weight definitions, not rounded factors.
Purity-adjusted value calculator
Price a given weight of silver at sterling or fine silver purity, using the reference price above (editable) as the pure-silver (fine) price.
"Purity-adjusted" means only the fine-silver content is priced — it ignores minting/making charges, dealer premiums, or resale/buyback spreads, which can move the real-world price well away from this figure.
Gold/silver ratio
How many troy ounces of silver it takes to equal the price of one troy ounce of gold. Enter any two prices — the reference figures above are prefilled.
A ratio of, say, 66 means one troy ounce of gold currently costs the same as about 66 troy ounces of silver. It's a relative-value snapshot between the two metals at that moment — it isn't a trading signal or a prediction about where either price is headed, and this page makes no claim about whether the current ratio is "high" or "low."
Troy ounce vs. regular ounce
Like gold, silver is priced by the troy ounce, not the everyday (avoirdupois) ounce. A troy ounce is exactly 31.1034768 grams — defined from a grain of exactly 0.06479891 grams with 480 grains to the troy ounce — about 9.7% heavier than an avoirdupois ounce (28.3495 g). Troy weight has been the standard unit for precious-metals trading worldwide for centuries.
Source: Wikipedia — Troy weight, accessed Sep 26, 2026.
Sterling vs. fine silver
"Fine silver" (.999) is close to pure elemental silver. "Sterling silver" (.925) is an alloy — 92.5% silver, with the remainder (commonly copper) added for strength and durability, since pure silver is too soft for most everyday jewelry, cutlery and hollowware. When pricing sterling items with the purity-adjusted calculator above, only the 92.5% silver content is worth the fine-silver spot price — the rest is base metal.
Frequently Asked Questions
Is the price on this page live?
No. It's a single dated snapshot pulled from Kitco's public precious-metals page and clearly timestamped above. Treat it as a reference point for the calculators, not a quote you can transact at.
Does a high or low gold/silver ratio mean I should buy one metal?
This page doesn't say. The ratio is shown as a plain calculation for context — fin·calc doesn't make buy, sell or "which metal is better value" recommendations.
Why is my purity-adjusted value different from what a dealer quotes me?
This calculator only prices the fine-silver content at the reference rate you enter. Real-world prices also include minting/making charges, a dealer's margin, local taxes, and a buyback spread — none of which this tool models.