How much can I contribute to a gold IRA in 2026?

The 2026 limit is $7,500, or $8,600 if you are 50 or older. Rollovers from an existing 401(k) or IRA are separate and not capped by the annual limit.

Companies compensate us to keep our service free.Learn more

AuGold Advisor Compare Top 5

Interactive Tool

Gold IRA Rollover Calculator

Project a rollover plus future contributions over time at an assumed growth rate.

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

How to use it: enter what you'd roll over, any yearly contributions, a time horizon, and an assumed annual return. The tool compounds it so you can see contributions vs growth. Gold returns aren't guaranteed — this is an illustration, not a forecast.

Amount to roll over ($) Annual contribution ($) Years Assumed annual return (%)

Illustration only — not a forecast or investment advice. Gold can rise or fall; past performance doesn't predict future results. 2026 IRA contribution limits: $7,500, or $8,600 if you're 50 or older. Verify limits and rollover rules with your custodian or a tax professional.