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What this calculator does
Pawning gives fast cash but you lose value. Selling takes longer but usually pays more. This calculator compares the two.
The math
Pawn loss = item value − pawn loan + pawn fees. Sell net = marketplace price − shipping. Better option = sell if sell net > pawn loss.
Worked example
A $200 item pawned for $40 with $20 fees loses $180. Selling for $80 minus $10 shipping nets $70. Selling is better if you can wait.
Why this matters
Legal and medical bills are stressful and opaque. This calculator gives you a starting number and a concrete next question to ask.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
What about sentimental value?
Pawning lets you reclaim the item. Selling is permanent.
Can I trade instead?
Trade-in values are often lower than private sale. This calculator compares pawn and sell.