Use a target reserve amount to see how much of that reserve is currently represented by gold. The result separates current gold coverage from the remaining emergency-fund gap.
The optional discount lets you avoid treating the full quoted value of physical gold as immediately available cash.
Physical gold can have a market value without being as immediately accessible as cash. Selling spreads, timing, location and dealer availability can affect the amount actually available.
The calculator does not decide how much emergency savings you should hold. It simply shows how your entered gold and liquid funds compare with a target.
For a conservative reserve calculation, use a realistic realizable value rather than the original purchase price.
Yes. That means you are intentionally treating the entered gold value as fully usable.
No. It is a reserve-planning calculation.