This tool allows you to calculate the estimated cost for an item to be created this does not include retail cost(the jeweler has to make money). Please keep in mind that the retail price of jewelry also reflects the jeweler's need to cover business overheads and earn a profit. These overheads can include rental expenses for the store, employee salaries, marketing and advertising costs, utility bills, insurance, and the cost of maintaining inventory. Additionally, jewelers must factor in the financial risk of unsold inventory and the investment in customer service and post-purchase support.