Calculate Your Gold IRA Costs
Enter your numbers below, or start from a preset based on reported figures. The calculator shows fees only. It doesn't predict gold prices or returns.
| Year | Fees That Year | Cumulative Fees |
|---|
Presets use figures reported by Yahoo Finance and other independent reviews; the Augusta waiver preset assumes the full promotion applies, which depends on Augusta's qualifying terms. Spreads vary by product; ask for written quotes.
How to Use the Results
- Total account fees are the setup fee plus annual fees over the years you hold, minus any fee-free years.
- Cost of the spread is the difference between what you pay and the metal's value on day one.
- Gold rise needed to break even is how much the metal's price must increase over the period for you to get back what you put in after costs, before taxes.
What the Calculator Usually Shows
For most balances, the spread on your first purchase costs more than years of annual fees. That's why getting a written quote with the spot price matters more than shaving a few dollars off storage.
Reported Fees by Company
| Company | Reported Minimum | Setup / Application | Annual Fees |
|---|---|---|---|
| Augusta Precious Metals | $50,000 | ~$50 custodian setup | ~$225 (zero fees up to 10 years, qualifying accounts) |
| Noble Gold Investments | $20,000 | $80 | $275 (segregated included) |
| Goldco | $25,000 | $275 | ~$225 (+$50 segregated) |
| American Hartford Gold | $10,000 | $230 | $225–$275 |
| Birch Gold Group | $10,000 | ~$50 + $30 wire | ~$200 |
See the full table in gold IRA fees by company.
Lower Your Costs
- Ask about fee promotions you qualify for, like Augusta's waiver.
- Buy standard bullion with lower spreads.
- Move a larger amount at once so flat fees are a smaller share.
- Compare written quotes from two companies on identical products.
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Frequently Asked Questions
What's a Typical Gold IRA Spread?
It varies by product and dealer. Standard bullion usually carries a smaller spread than proof or collectible coins. Ask for the price and spot price in writing.
Does This Calculator Predict Returns?
No. It calculates costs only. Gold prices can rise or fall.
Are the Preset Fees Exact?
They're based on independently reported figures and may change. Confirm current fees with each company.
See What a Gold IRA Would Cost You
Our top pick's free kit explains fees, spreads, and its zero-fee offer.
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