Total carry is the swap rate per lot per night multiplied by lots and by nights charged, and Wednesday is normally charged three times to cover weekend settlement.
On gold the swap is usually a cost on both sides, so a position held for a month can pay more in carry than in spread.
Holding gold overnight is charged or credited through swap, and on a multi-day XAUUSD position that carry can quietly exceed the spread. Enter lot size, direction, your broker's own swap rates and the number of nights, with triple-swap Wednesday accounted for.
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