GOLD$2,940.10▲ +1.4%SILVER$34.22▲ +0.8%PLATINUM$1,012.50▼ -0.3%PALLADIUM$978.40▲ +0.6%USD INDEX103.21▼ -0.2%GOLD$2,940.10▲ +1.4%SILVER$34.22▲ +0.8%PLATINUM$1,012.50▼ -0.3%PALLADIUM$978.40▲ +0.6%USD INDEX103.21▼ -0.2%
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Gold IRA fee & rollover calculator.

See what a Gold IRA will really cost you, including the dealer markup over spot that most calculators ignore, then check whether your rollover is tax and penalty free. Everything runs in your browser. Nothing is saved or sent.

Last updated: June 23, 2026

CALCULATOR 1

Total cost of ownership

5%
10 years
YOUR ESTIMATE
Dealer markup cost (upfront)$2,500
Setup fee (upfront)$50
Custodian + storage (total)$2,500
TOTAL COST OF OWNERSHIP
$5,050
As % of your investment10.10%
Effective annual cost drag1.01%
A 0.25% gold ETF would cost$1,250
Extra you pay vs that ETF+$3,800

Illustrative estimate, not advice. The ETF comparison assumes a 0.25% annual expense ratio and is for context only; a Gold IRA holds physical metal in your name, an ETF does not.

CALCULATOR 2

Rollover penalty checker

RESULT
No tax or penalty

General guidance for education only, not tax advice. Plan rules vary; confirm eligibility and timing with your plan administrator and a tax professional.

Sources: IRS Publication 590-A (contributions and rollovers, the 60-day rule and the one-rollover-per-year limit), IRS Publication 590-B (distributions, RMDs and the 10% additional tax before 59½), and IRC 408(m)(3) (approved metals and fineness). Figures you enter are estimates; confirm current fees in writing with each provider.

See which companies keep these costs lowest.

Compare verified fees and minimums in our 2026 rankings, or read the full gold IRA fees breakdown and rollover guide.

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