This XAUUSD swap calculator answers a question most gold traders only ask after their first statement arrives: what does it cost to hold this position overnight — and for a month? It uses swap rates measured on our own MT5 accounts (not copied from a published table), counts the triple-swap day for you, and compares brokers side by side.
- Swap per night: the measured overnight fee (or credit) for your lot size and direction
- Charged nights breakdown: regular nights ×1, triple-swap day ×3, weekends ×0
- Total holding cost: for your full period, in USD and your account currency
- Auto-fill from broker: select your broker and the latest measured swap is filled in automatically — no manual lookup needed
Margin is the cost of opening a position, profit is the result of closing it — swap is the cost of keeping it. For the other two sides, see the XAUUSD Margin & Pip Value Calculator and the XAUUSD Profit Calculator.
| Broker | |
|---|---|
| Direction | |
| Lot size | |
| Holding period (calendar days) |
|
| Swap per lot per night (USD) |
|
| Account currency | |
| USD → |
| Swap per night | |
|---|---|
| Charged nights | |
| Total swap (USD) | |
| Total swap () | |
| Per 30 days (reference) |
For what one lot of gold actually is — contract size, margin, pip value — start with XAUUSD 1 Lot Price. To see what the same position wins or loses when price moves, use the profit calculator.
How gold swap is calculated
Swap (the overnight fee) is charged once per trading night at your broker’s rollover, with one weekday charged at triple rate to cover the weekend. The math is short; what surprises traders is how fast it compounds over a month.
The holding-cost formula
Total swap = swap per lot per night × lots × charged nights
Charged nights = regular weekday nights ×1 + the triple-swap day ×3 + weekends ×0.
Example with our measured data: holding 1 lot long for 30 days from a Wednesday gives 17 regular nights + 5 triple days = 32 charged nights. At a measured −$99.43 per night that is −$3,181.76; at −$51.59 it is −$1,650.88 — same gold, same month, roughly half the bill. From what I’ve seen, traders check spreads obsessively and forget swap, yet on a 30-day gold position the swap bill is usually far bigger than the spread you paid to get in.
Why one day counts triple
Spot positions settle two business days forward (T+2). A position rolled over on the triple-swap day — Wednesday for gold at the brokers we measure — has its settlement pushed across the weekend, so three days of financing are charged at once. Weekends themselves charge nothing.
If you are the type of trader who opens positions mid-week and holds for “a few days”, check which weekday the triple charge lands on before you enter — crossing it twice in a 10-day hold changes the bill more than most people expect.
Why we measure instead of quoting tables
Brokers publish swap in different units (points of different sizes, money, or percent), and they adjust the values day to day. Honestly, published swap tables age fast — that is why this tool reads the value measured on our own MT5 accounts, converts it to USD per lot per night, and shows you the measurement date instead of a copy-pasted number of unknown vintage.
What we measured over the past year
The table below summarizes 383 days of daily swap readings from our Standard-type MT4/MT5 accounts (2025-05-12–2026-07-03), normalized to USD/lot/night. Use it alongside tonight’s auto-filled value above — averages hide how often rates move.
| Broker | Side | Period avg | Range | Rate changes | Days recorded |
|---|---|---|---|---|---|
| Exness | Buy (long) | −$53.2 | −$268.0 – $0 | 160 | 383 |
| Exness | Sell (short) | $0 | $0 – $0 | 0 | 383 |
| XM | Buy (long) | −$98.8 | −$297.1 – −$47.9 | 38 | 349 |
| XM | Sell (short) | +$14.3 | +$0.23 – +$22.8 | 26 | 349 |
| HFM | Buy (long) | −$71.0 | −$79.0 – −$54.6 | 25 | 323 |
| HFM | Sell (short) | $0 | $0 – $0 | 0 | 323 |
| Vantage | Buy (long) | −$68.9 | −$182.4 – −$46.2 | 113 | 382 |
| Vantage | Sell (short) | +$35.0 | +$18.7 – +$119.5 | 101 | 382 |
Interactive daily measured swap · USD/lot (100 oz)/night · verified 2026-07-03
At the period average, holding 1 lot long for 30 calendar days cost roughly −$1,600 at the cheapest measured broker and −$2,965 at the most expensive — a gap of about $1,350 on the identical position. Today’s value (auto-filled above) can sit far from the average, which is exactly why the range column matters.
Variable or stable: two swap personalities
Exness changed its gold buy swap 160 times in 383 recorded days and Vantage 113 times — roughly every other trading night, swinging between $0 and −$268 per lot. XM (38 changes) and HFM (25) sit at the stable end of the scale. For a position you plan to hold more than a few days, I’d budget from the period average rather than tonight’s snapshot: on the variable brokers, tonight’s number can be stale by tomorrow — sometimes in your favour, sometimes not.
The short side is where brokers differ most
Across every measured night, gold shorts were swap-free at Exness and HFM, while XM (average +$14.3) and Vantage (average +$35.0, peaking at +$119.5) paid a credit. Honestly, that credit is not a reason to be short gold — one ordinary night of price movement can exceed a month of it. Treat it as a discount on positions you wanted anyway, not as income.
Logged daily from our own MT4/MT5 Standard-type accounts, normalized to USD per lot per night, and cross-checked against the live values this calculator reads (last verification 2026-07-03). Swap rates change daily — figures above are measured history, not a promise of future rates, and not investment advice.
