Gold IRA Fee Calculator
Most gold IRA companies charge a flat yearly fee for the custodian and the vault, but the bigger cost is usually the markup built into the price of the coins or bars. Enter your numbers to see the total and how much gold has to rise before you break even.
- Setup + yearly fees
- $2,480
- $230 setup + $225/yr x 10 yrs
- Markup paid on day one
- $3,500
- 7% of $50,000
- Estimated total cost over 10 years
- $5,980
- Gold must rise this much to break even
- 12.9%
How this estimate works
- Setup and yearly fees are the approximate figures we track for each company (custodian administration plus depository storage). They are flat dollar amounts, so they weigh more heavily on smaller accounts.
- Markup is the gap between what you pay for the metal and its spot value. Common bullion often carries roughly 5-10%; premium or proof coins can carry far more. Ask the company to state it in writing before you buy.
- Break-even is how much the price of gold would need to rise over the period just to cover the markup and fees - before you make any gain.
Read the full breakdown in gold IRA fees explained, or compare gold IRA companies.
This calculator gives a rough estimate for education only. It is not financial, tax or legal advice. Fees vary by custodian, storage type and account size, and promotions can change the first-year cost.