Gold IRA Total Cost and Break-Even Calculator
See how much the gold price has to rise each year before a Gold IRA purchase gets back to what you paid, once the dealer premium, the selling discount and account fees are counted.
| Metal value at spot on day one | $47,619 |
|---|---|
| Cost of the premium | $2,381 |
| Account fees over the period | $0 |
| Sale proceeds at your assumed price | $46,190 |
| Gain or loss after all costs | -$3,810 |
How this calculator works
Your purchase buys metal worth less than you paid by the amount of the premium. That metal's value then changes by the yearly rate you assume. When you sell, you receive the value minus the selling discount. Fees are added up separately and subtracted at the end.
The break-even rate is the constant yearly price change that leaves you with exactly the amount you started with. It is found by trial, not predicted.
Taxes are not included. Withdrawals from a Traditional IRA are generally taxed as ordinary income.
Results are estimates for comparison only, not advice. See our financial disclaimer.