Why this page has no gem rate
The grade is decided by your copy’s centering, corners, edges and surface. An average across other people’s submissions is not your card, so the calculator never assumes a chance of a 10. You enter your own estimate, and it shows what that estimate is worth after fees.
The break-even chance
Grading gives you one of two results in the calculator: what you keep if the card gets a 10, or what you keep if it gets the grade below. Selling raw gives a third number. The break-even chance is the share of 10s at which the average of the first two matches the raw result. We find it by running the calculator at every whole percent and taking the first one that does.
| Raw price | PSA 10 price | PSA 9 price | Keep raw | Keep if a 10 | Keep if a 9 | Chance of a 10 needed |
|---|---|---|---|---|---|---|
| $25 | $150 | $50 | $16.29 | $53.73 | −$33.02 | 57% |
| $40 | $250 | $90 | $29.30 | $140.48 | $1.68 | 20% |
| $20 | $200 | $40 | $11.95 | $97.11 | −$41.69 | 39% |
| $60 | $400 | $120 | $46.65 | $270.61 | $27.71 | 8% |
| $25 | $80 | $40 | $16.29 | −$6.99 | −$41.69 | none: a sure 10 still loses |
In the last row even a guaranteed 10 leaves −$6.99, less than the $16.29 you keep selling raw (computed), so no chance is high enough. The bigger the gap between the 10 and the 9, the lower the chance you need.
Using it on your own card
- Enter recent sold prices for the card raw, at a 10 and at a 9.
- If an 8 is a real possibility, enter the 8’s price as the second value. That raises the chance you need.
- Move the chance until the result turns from “Sell raw” to “Grade it”. If your honest guess is below that point, selling raw keeps more on average.
The calculator above starts at the break-even chance for the first row. A cheaper tier lowers the bar: with CGC Economy at $20, the same card needs 11%, if its slab sells for the same prices (computed). See PSA vs CGC grading cost.
Estimates, fees as of Oct 2026. Not affiliated with any marketplace. Grading prices are dated and sourced, with a confidence rating, on the card grading calculator page; shipping costs and card values are example assumptions. Not investment, tax or legal advice.