How much does a gold IRA cost per year?

Most flat-fee custodians charge about $200–$300 per year combined; percentage-of-assets models cost more as your balance grows.

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Gold IRA Fee Calculator

See how flat annual fees compare to a percentage-of-assets model over time.

By Aaron Tal · Precious-metals analyst · Reviewed June 2026

Why it matters: flat annual fees can save thousands over time versus custodians that charge a percentage of your account value. Try your own numbers below.

Account value ($) Years held Flat annual fee ($) Percentage model (% / year)

Estimates only, for education — not financial advice. Real fees vary by company; most of our top picks use flat annual fees in the $200–$300 range. Metal premiums over spot are separate.