Grading ROI Calculator (Excel + Google Sheets)

Should you grade that card? Type in the raw price, the tier you would use, where you will sell, your odds of a 10 and a 9, and recent sold prices for the graded card. The calculator tells you the expected gain versus selling raw today, the break-even chance of a 10 you would need, and a plain verdict: GRADE, MARGINAL or SELL RAW.

Not sure yet? Start with the free 60-second Grade or Hold checklist, then come back for the full calculator.

What makes it different

• Real 2026 fees, not guesses. 24 grading tiers across PSA, CGC, TAG and Beckett with fee, declared-value cap, minimum card count, turnaround and status. PSA's Value tiers are marked paused, because they are, and the sheet shows the cheapest active tier that fits your card.
• Selling fees included. eBay, TCGplayer, Whatnot, Mercari, Fanatics Collect and local sales. A 13.25% fee changes the answer more often than people expect.
• The cost of waiting. Cash tied up for 90 to 150 business days is not free. Set your own rate or turn it off.
• Break-even both ways. The gem rate you need, and the PSA 10 price you need, for grading to beat selling raw.
• Batch planner. Fifty cards at once, shipping split automatically, sort by verdict to build your submission.
• Gem Rate Guide. How to turn a population report into an honest estimate for the card in your hand, with 2026 reference ranges.

What you get

One Excel workbook (.xlsx) that also imports cleanly into Google Sheets and LibreOffice. Yellow cells are inputs, everything else is a protected formula. A worked example is pre-filled so you can check the maths to the cent. Read the worked example here.

Free updates

When PSA un-pauses its Value tiers or eBay changes a fee, we update the workbook and you download the new version from your original link.

Fee tables verified 13 September 2026. GradeWorthy is not affiliated with The Pokémon Company, Nintendo, PSA, CGC, TAG, Beckett, eBay or TCGplayer. This is a decision aid, not financial advice.