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Gold (XAU/USD) Margin Calculator (2026)

Calculate required margin collateral for any leveraged position. Pre-loaded for Gold.

Prices update from live market feeds, but your broker's quotes, contract sizes and spreads can differ — check them before placing a trade.

Currency Pair

4,180.00loading live price…

Lot Size

Account Balance

USD

Leverage

* 20:1 is the FCA/ESMA retail maximum for gold

Required Margin (USD)

$20,900.00

Notional value

$418,000

Leverage

20:1

Units

100

Hedge Scenario

Margin Call Distance

Free Margin

$-10,900.00

Pips to Margin Call

Already triggered

Pips to Stop-Out

Already triggered

Assumes one open position. MC at ~100% margin level, stop-out at ~50%. Exact thresholds vary by broker.

Max Safe Position Size — $10,000 balance at 20:1

Profile	Max Lots	Margin Used	Notional
Conservative 10% of balance as margin · 1.7× effective · 90% of the balance stays free	0.04	$836 (8.4%)	$16,720
Moderate 25% of balance as margin · 4.6× effective · room for drawdown and a second trade	0.11	$2,299 (23.0%)	$45,980
Aggressive 50% of balance as margin · 9.6× effective · half the balance tied up as margin	0.23	$4,807 (48.1%)	$96,140

Click any row to apply. % = share of balance committed as margin. Remaining balance absorbs floating losses.

Formula: (contract size × lots × price) ÷ leverage. Margin is collateral — returned when position closes.

XAU/USD (Gold) at a glance

Pip Size

0.01

Pip Value (1 lot)

$1.00

Avg Spread

0.3–1.5 pips

Active Session

London, New York

Loading live rates…

Featured

Deriv

4.0

Open Account

Capital at risk · T&Cs apply

Quick Answer

Gold (XAU/USD) pip size is $0.01 — so 1 pip on a standard 100oz lot = $1. A $1 move in the gold price is 100 pips, so it is worth $100 on 1 lot — whatever the price level. Spreads typically run 0.3–1.5 pips ($0.30–$1.50 per lot). Use the calculator above for your exact lot size.

Margin Calculator Formula

Margin = (Contract Size × Lots × Price × USD Rate) ÷ Leverage

Example (XAU/USD): 1 lot at 4,180.00 = $418,000 position; at 20:1 leverage: $418,000 ÷ 20 = $20,900

About XAU/USD — Gold / US Dollar

Gold (XAU/USD) is one of the most popular instruments for risk-hedging and inflation protection. It moves inversely to the US Dollar and real interest rates. Gold is highly sensitive to geopolitical events, Fed policy expectations, and USD strength. On a standard lot (100 oz), each $1 move = $100 P&L.

Other Calculators for XAU/USD

XAU/USD Pip Value XAU/USD Position Size XAU/USD P&L XAU/USD Risk/Reward

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