How to avoid it
- Declare the value the card will have if it gets the grade you hope for, not today’s raw value.
- Pick the cheapest tier whose cap covers that value. The calculator’s “Auto” tier does this.
- Watch for the calculator’s upcharge warning when any graded price is above your tier cap.
Value caps by tier: PSA · SGC · CGC. Beckett’s Express tier lists no cap on its pricing page.