Use this free calculator to compare the total cost of owning gold in a Gold IRA with owning a gold ETF over the same period. Enter the fees from the quotes you received; the example values are typical, not offers from any company.
Simple estimate: it assumes the gold value stays the same and fees do not change. Real costs depend on the provider and the gold price.
How the Calculator Works
- Gold IRA cost = setup fee + (amount × dealer markup) + (custodian fee + storage fee) × years.
- Gold ETF cost = commission + (amount × expense ratio) × years.
Many Gold IRA fees are flat, so the gap shrinks on very large balances. On small balances, flat fees can take a large share of your return each year.
Frequently Asked Questions
Where do I find my real fees?
Ask the custodian and the dealer for a written fee schedule: setup, annual administration, storage (segregated or commingled) and the buy and sell spread on the metal.
Can I hold a gold ETF in a normal IRA?
Yes. Most brokerage IRAs let you buy gold ETFs like any other fund.
Does this include taxes?
No. Inside an IRA both options are tax-deferred (or tax-free in a Roth) while the money stays in the account.
Related Guides
- Gold IRA Fees and Costs Explained
- Gold IRA vs Gold ETF
- Gold IRA Rollover from a 401(k)
- Gold Price Calculator
Disclaimer: This calculator gives estimates for general information only. It is not financial or tax advice.