Diamond Ring Worth Calculator

Diamond Ring Worth Estimator

D (Colorless) E (Colorless) F (Colorless) G (Near Colorless) H (Near Colorless) I (Near Colorless) J (Near Colorless) K (Faint Yellow) L (Faint Yellow) M (Faint Yellow) N-Z (Very Light Yellow)

FL (Flawless) IF (Internally Flawless) VVS1 (Very Very Slightly Included 1) VVS2 (Very Very Slightly Included 2) VS1 (Very Slightly Included 1) VS2 (Very Slightly Included 2) SI1 (Slightly Included 1) SI2 (Slightly Included 2) I1 (Included 1) I2 (Included 2) I3 (Included 3)

Excellent Very Good Good Fair Poor

14K White Gold 14K Yellow Gold 18K White Gold 18K Yellow Gold Platinum

Solitaire Pave Halo Three-Stone

function calculateDiamondWorth() { var caratWeight = parseFloat(document.getElementById("caratWeight").value); var diamondColor = document.getElementById("diamondColor").value; var diamondClarity = document.getElementById("diamondClarity").value; var diamondCut = document.getElementById("diamondCut").value; var settingMaterial = document.getElementById("settingMaterial").value; var settingStyle = document.getElementById("settingStyle").value; var isCertified = document.getElementById("isCertified").checked; if (isNaN(caratWeight) || caratWeight <= 0) { document.getElementById("result").innerHTML = "Please enter a valid diamond carat weight."; return; } // Base price for a 1.00ct, H color, VS2 clarity, Excellent cut diamond var baseDiamondPrice = 6000; // USD // Carat Weight Multipliers (non-linear) var caratMultiplier; if (caratWeight < 0.25) caratMultiplier = 0.10; else if (caratWeight < 0.50) caratMultiplier = 0.30; else if (caratWeight < 0.75) caratMultiplier = 0.60; else if (caratWeight < 1.00) caratMultiplier = 0.90; else if (caratWeight < 1.25) caratMultiplier = 1.15; else if (caratWeight < 1.50) caratMultiplier = 1.40; else if (caratWeight < 2.00) caratMultiplier = 2.00; else if (caratWeight < 3.00) caratMultiplier = 3.50; else caratMultiplier = 5.00; // For 3.00ct and above, simplified // Adjust base price for actual carat weight var adjustedBasePrice = baseDiamondPrice * caratWeight * caratMultiplier; // Color Multipliers (relative to H) var colorMultiplier; switch (diamondColor) { case "D": colorMultiplier = 1.50; break; case "E": colorMultiplier = 1.35; break; case "F": colorMultiplier = 1.20; break; case "G": colorMultiplier = 1.10; break; case "H": colorMultiplier = 1.00; break; case "I": colorMultiplier = 0.90; break; case "J": colorMultiplier = 0.80; break; case "K": colorMultiplier = 0.70; break; case "L": colorMultiplier = 0.60; break; case "M": colorMultiplier = 0.50; break; case "N-Z": colorMultiplier = 0.40; break; default: colorMultiplier = 1.00; } // Clarity Multipliers (relative to VS2) var clarityMultiplier; switch (diamondClarity) { case "FL": clarityMultiplier = 2.00; break; case "IF": clarityMultiplier = 1.80; break; case "VVS1": clarityMultiplier = 1.50; break; case "VVS2": clarityMultiplier = 1.30; break; case "VS1": clarityMultiplier = 1.15; break; case "VS2": clarityMultiplier = 1.00; break; case "SI1": clarityMultiplier = 0.80; break; case "SI2": clarityMultiplier = 0.60; break; case "I1": clarityMultiplier = 0.40; break; case "I2": clarityMultiplier = 0.30; break; case "I3": clarityMultiplier = 0.20; break; default: clarityMultiplier = 1.00; } // Cut Multipliers (relative to Excellent) var cutMultiplier; switch (diamondCut) { case "Excellent": cutMultiplier = 1.00; break; case "Very Good": cutMultiplier = 0.95; break; case "Good": cutMultiplier = 0.85; break; case "Fair": cutMultiplier = 0.70; break; case "Poor": cutMultiplier = 0.50; break; default: cutMultiplier = 1.00; } var diamondValue = adjustedBasePrice * colorMultiplier * clarityMultiplier * cutMultiplier; // Setting Cost var settingCost = 0; switch (settingMaterial) { case "14K White Gold": settingCost += 350; break; case "14K Yellow Gold": settingCost += 350; break; case "18K White Gold": settingCost += 500; break; case "18K Yellow Gold": settingCost += 500; break; case "Platinum": settingCost += 800; break; default: settingCost += 350; } switch (settingStyle) { case "Solitaire": settingCost += 0; break; case "Pave": settingCost += 250; break; case "Halo": settingCost += 600; break; case "Three-Stone": settingCost += 400; break; default: settingCost += 0; } // Certification Premium var certificationPremium = isCertified ? (diamondValue * 0.05) : 0; // 5% premium for GIA/AGS certification var totalEstimatedWorth = diamondValue + settingCost + certificationPremium; document.getElementById("result").innerHTML = "Estimated Diamond Ring Worth: $" + totalEstimatedWorth.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 }) + ""; }

A diamond ring is more than just a beautiful piece of jewelry; it's an investment and often a cherished heirloom. Determining its true worth can be complex, as many factors contribute to its value. Our Diamond Ring Worth Estimator helps you understand the key elements that influence a ring's price, providing a realistic estimate based on industry standards.

The Four Cs of Diamond Value

The primary determinants of a diamond's value are universally known as the "Four Cs": Carat, Cut, Color, and Clarity. Each plays a crucial role in the diamond's beauty and rarity.

1. Carat Weight

Carat refers to the diamond's weight, not its size. One carat equals 200 milligrams. Larger diamonds are rarer and thus command significantly higher prices per carat. The price per carat often jumps at significant weight milestones (e.g., 0.50 ct, 1.00 ct, 1.50 ct), reflecting their increased rarity.

How it affects worth: A 1.00 carat diamond will be considerably more expensive than two 0.50 carat diamonds of similar quality, due to the rarity of larger stones.

2. Color Grade

Diamond color is graded on a scale from D (colorless) to Z (light yellow or brown). Colorless diamonds (D-F) are the rarest and most valuable, as they allow the most light to pass through, enhancing brilliance. As you move down the scale, faint yellow tints become more noticeable, which can reduce the diamond's perceived brilliance and value.

How it affects worth: A D-color diamond can be significantly more expensive than an H-color diamond, even with identical carat, cut, and clarity.

3. Clarity Grade

Clarity refers to the absence of inclusions (internal flaws) and blemishes (external imperfections). The GIA clarity scale ranges from Flawless (FL) to Included (I3). Flawless diamonds are exceptionally rare and valuable. Most diamonds have some inclusions, but many are not visible to the naked eye (eye-clean).

• FL (Flawless): No inclusions or blemishes visible under 10x magnification.
• IF (Internally Flawless): No inclusions visible under 10x magnification.
• VVS1, VVS2 (Very Very Slightly Included): Inclusions are extremely difficult to see under 10x magnification.
• VS1, VS2 (Very Slightly Included): Inclusions are minor and range from difficult to somewhat easy to see under 10x magnification.
• SI1, SI2 (Slightly Included): Inclusions are noticeable under 10x magnification and may be visible to the naked eye in SI2.
• I1, I2, I3 (Included): Inclusions are obvious under 10x magnification and usually visible to the naked eye, potentially affecting transparency and brilliance.

How it affects worth: Diamonds with higher clarity grades (FL, IF, VVS) are much more valuable due to their rarity and pristine appearance.

4. Cut Grade

The cut of a diamond refers to how well its facets interact with light, determining its brilliance, fire, and scintillation. It's often considered the most important of the 4 Cs for a diamond's overall beauty. Cut grades range from Excellent to Poor.

• Excellent: Maximizes brilliance and fire.
• Very Good: Very good light performance.
• Good: Good light performance, but may lack some brilliance.
• Fair: Noticeably less brilliant.
• Poor: Dull appearance due to poor light reflection.

How it affects worth: An excellently cut diamond will appear more vibrant and larger than a poorly cut diamond of the same carat weight, significantly impacting its value.

Beyond the Diamond: Setting and Certification

Setting Material and Style

The metal used for the ring's band and the complexity of its design also contribute to the overall worth. Precious metals like platinum and 18K gold are more expensive than 14K gold. The style of the setting—whether it's a simple solitaire, an intricate pave band, a halo design, or a three-stone setting—requires different amounts of metal and craftsmanship, affecting the cost.

• Solitaire: A single diamond, typically the most cost-effective setting.
• Pave: Features small diamonds set closely together, adding sparkle and metal cost.
• Halo: A ring of smaller diamonds encircling the center stone, enhancing its perceived size and brilliance.
• Three-Stone: Features a larger center diamond flanked by two smaller diamonds.

How it affects worth: Platinum settings are generally more expensive than gold. Complex designs like halo or pave settings add to the manufacturing cost and thus the ring's value.

Certification

A diamond grading report from a reputable laboratory like the Gemological Institute of America (GIA) or the American Gem Society (AGS) adds significant value and confidence. These certifications provide an unbiased assessment of the diamond's 4 Cs, ensuring its quality and authenticity. While the certification itself has a small cost, it can increase the diamond's market value and resale potential by verifying its characteristics.

How it affects worth: Certified diamonds typically command a higher price because buyers have assurance of the diamond's stated quality.

Examples of Diamond Ring Worth Calculation

Let's look at how different factors can influence the estimated worth:

Example 1: High-Quality, Standard Size

• Carat Weight: 1.00 ct
• Color: G
• Clarity: VS1
• Cut: Excellent
• Setting: 18K White Gold Solitaire
• Certified: Yes
• Estimated Worth: Approximately $8,000 – $10,000

Example 2: Larger Diamond, Slightly Lower Quality

• Carat Weight: 1.50 ct
• Color: I
• Clarity: SI1
• Cut: Very Good
• Setting: 14K Yellow Gold Pave
• Certified: No
• Estimated Worth: Approximately $9,000 – $12,000

Example 3: Smaller Diamond, Exceptional Quality

• Carat Weight: 0.75 ct
• Color: D
• Clarity: VVS1
• Cut: Excellent
• Setting: Platinum Halo
• Certified: Yes
• Estimated Worth: Approximately $7,000 – $9,000

Important Considerations

Our calculator provides an estimate based on common market factors. Actual market value can vary due to:

• Market Fluctuations: Diamond prices can change based on supply and demand.
• Retailer Markup: Different jewelers have different pricing structures.
• Brand Recognition: Rings from renowned luxury brands often carry a premium.
• Specific Diamond Characteristics: Factors like fluorescence, symmetry, and polish (beyond the main 4 Cs) can subtly influence value.
• Condition of the Ring: Damage to the diamond or setting will reduce its worth.

For a precise valuation, especially for insurance purposes or resale, it is always recommended to consult with a professional GIA Graduate Gemologist or a certified appraiser.