8 Auction Houses · True Cost · Max Bid Finder

Auction Bid Calculator

Never overpay at a card auction. See the true landed cost of any winning bid — including buyer's premiums, tax, shipping, and grading. Compare 8 auction houses side by side or reverse-calculate your max bid from a budget.

Your Bid

$
%

Varies by state. 0% in OR, MT, NH, DE, AK.

$

If you plan to flip — shows profit per house.

True Cost Breakdown

Enter a bid amount to see the true cost.

Common Scenarios

Buyer's Premium Reference

Heritage Auctions
20% buyer's premium
20%
Goldin Auctions
20% buyer's premium
20%
PWCC Marketplace
20% buyer's premium
20%
Lelands
20% buyer's premium
20%
Robert Edward Auctions
20% buyer's premium
20%
eBay Auction
No buyer premium — price is what you pay
None
MySlabs
15% buyer's premium
15%
Probstein123 (eBay)
eBay auction — no additional premium
None

What is a Buyer's Premium?

A buyer's premium is an additional fee charged by auction houses on top of the winning bid (hammer price). If you win a card for $500 at an auction with a 20% buyer's premium, you actually pay $600 before tax and shipping. This is pure profit for the auction house and is the #1 hidden cost that catches new bidders off guard. Always calculate your maximum bid AFTER accounting for the premium.

Auction Bidding Tips

Set Your Max Before the Auction

Use the Max Bid Finder to calculate your absolute ceiling. Write it down. Don't go over it — auction fever is real and costs collectors thousands every year.

Factor in ALL Costs

Buyer's premium, sales tax, shipping, and potential grading fees can add 25-35% to your winning bid. A $500 hammer price easily becomes $650+ total.

Compare Across Platforms

The same card often appears on multiple platforms simultaneously. Heritage charges 20% premium vs 0% on eBay — check both before bidding.

Bid Odd Numbers

Instead of $500, bid $510 or $525. Most bidders use round numbers, so odd bids often win by a small margin. This works especially well on eBay.

Watch the Final Minutes

Most auction action happens in the last 2 minutes. Set a maximum and let the sniping tools do the work — avoid emotional bidding during live auctions.

Check Sold Comps First

Before bidding, search eBay sold listings and 130point.com for recent sales of the same card. Never bid more than the last 3 comparable sales.

Frequently Asked Questions

What is a buyer's premium at card auctions?▾
A buyer's premium is an additional percentage charged on top of your winning bid (hammer price) by the auction house. Most major card auction houses like Heritage, Goldin, PWCC, and Lelands charge a 20% buyer's premium. So if you win a card for $500, you actually owe $600 before tax and shipping. eBay auctions generally have no buyer's premium — the hammer price is what you pay. This premium is pure revenue for the auction house and is the single biggest hidden cost in card auctions.
How do I calculate the true cost of an auction win?▾
Add together: (1) the hammer price (your winning bid), (2) the buyer's premium (typically 15-20% of the hammer), (3) applicable sales tax on the total of hammer + premium, (4) shipping cost, and (5) grading cost if the card is raw and you plan to grade it. For example, a $1,000 winning bid at Heritage becomes: $1,000 + $200 premium + $96 tax (8%) + $15 shipping = $1,311 total. That's 31% more than the hammer price.
Which auction house has the lowest total cost?▾
eBay auctions have zero buyer's premium, making them the cheapest option in terms of added fees. However, eBay lacks the authentication guarantees and professional grading verification that Heritage, Goldin, and PWCC provide. For high-value cards ($1,000+), the premium at a reputable auction house may be worth it for the added confidence. For sub-$500 cards, eBay or Probstein123 (which runs eBay auctions) typically gives the best total cost.
How do I figure out my maximum bid at auction?▾
Use the Max Bid Finder mode: enter your total budget (the absolute maximum you're willing to spend), your tax rate, and whether you need grading. The calculator works backwards to tell you the highest hammer price you can bid at each auction house while staying within budget. For example, with a $1,000 budget at Heritage (20% premium, 8% tax), your max bid is about $772 — the premium, tax, and shipping eat the rest.
Should I factor in grading costs when bidding on raw cards?▾
Absolutely. If you're buying a raw card with the intent to grade it, the grading cost is part of your total investment. PSA Economy is $20 but takes 180+ days. SGC Economy is $15 and faster. Factor this in BEFORE you bid — a $200 raw card that costs $50 to grade (PSA Regular) and comes back a PSA 8 (not a PSA 10) can easily become a losing investment. Use the grading toggle in the calculator to include these costs automatically.