Free gold IRA calculators and market data
12 free gold IRA calculators and 19 data trackers. Price a rollover, check a coin quote against the spot price, or read the gold price back to 1968. Every calculator runs inside your own browser, and none asks for an email address before showing you a result.
12 calculators
Browse the calculatorsWhat it costs
The fee question is the one that sends most people looking, and it is the one the industry answers least clearly.
Whether you can, and when you must
Rollover rules and required minimum distributions, worked against the current IRS tables rather than against a rule of thumb someone repeated to you.
How much to hold
Sizing an allocation against the position you actually hold, your timeline and your other accounts, with the published allocations to measure it against.
Gold against everything else
Gold measured against stocks, silver and inflation over any window you choose to set, on month-end data going back to 1968.
What can go wrong
The arrangements that look like a shortcut and carry a penalty the IRS has already ruled on, priced against your own balance.
1 study
Study Gold during a recession: what happened in all 8 since 1969 Gold rose in 6 of the 8 US recessions since 1969, with a median move of 6.8%. Both of the losses came in downturns the S&P 500 finished higher. Read the study 19 data trackers
Browse the dataA calculator works from the figures you supply, while a tracker works from published data we recompute from the publisher's own file and republish as a CSV you can download and check.
What it costs right now
Live spot, refreshed in the browser, with the month-end record behind it.
What it has done
Every drawdown, every recovery, and what the price looks like once inflation is taken out.
Gold against other assets
Rolling windows against equities and bitcoin, with dividends counted rather than quietly dropped.
What moves the price
Money supply and real interest rates, which explain more of gold's past than any headline does.
What stocks cost
The two valuation measures every retirement pitch quotes, computed from the primary sources and checked against their publishers.
The debt and the dollar
What the government owes, what it costs to carry, and what a dollar has actually done to a saver.
Recession signals
The indicators our readers watch, scored against their own record rather than their reputation.
Federal and military savers
Thrift Savings Plan fund performance, and what a rollover would actually cost.
Which calculator fits your situation
Most people arrive holding one specific problem rather than looking for a category. These are the positions the 12 calculators were built for, and every one of them appears here once.
- A dealer has quoted you a price
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A coin sells for more than the metal in it, and the gap is where the dealer earns. Work out what the metal alone is worth, then what the quote adds on top.
- You are deciding whether to open an account at all
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Setup, storage and the annual charge compound over the years you hold, and the schedule is rarely quoted in one number. Total it over your own holding period before the call, not after.
- You have a 401(k), a TSP or an old IRA to move
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Whether the balance can move at all depends on the plan and on whether you still work there, and the route you take decides whether 20% is withheld.
- You are working out how much to hold
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A percentage only means something against the rest of the portfolio and against what the position did the last time markets fell.
- Someone has suggested keeping the metal at home
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Home storage of IRA metal is the arrangement the IRS has already ruled on. Price what the ruling would cost against your own balance before anyone ships anything.
- You want to check a claim somebody made about gold
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Most claims in this category rest on a start date chosen to flatter the answer. Set your own window and read what happened over it.
Gold vs stocks backtest Gold vs silver calculator Inflation calculator
- You are already over the distribution age
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A traditional IRA holding metal still has to distribute, and the amount comes off the account value rather than off a coin you choose to sell.
What a calculator is worth on this subject
A gold IRA is sold on the phone, and the numbers that decide whether it suits you arrive in that call from the person being paid on the outcome. The fee schedule reaches you as five separate charges rather than one total, the coin price arrives as a single figure with the dealer's margin already inside it, and the allocation is suggested as a percentage with nothing to measure it against. None of that is hard arithmetic, and all of it is easier to do before the call than during it, which is what these 12 calculators are for.
Every calculator here states what it leaves out, on its own page, under the working. That matters more than the figure it returns, because the common failure on this subject is a confident number resting on an assumption the reader never saw. Where a calculator needs a published series it reads the same series the 19 trackers publish, most of them monthly back to 1968, so a figure you get here can be checked against the CSV behind it rather than taken on trust. The fee and custodian figures come from 12 custodians and 12 dealers we price directly.
Questions about these tools
Are these gold IRA calculators free?
Yes. All 12 are free, and none asks for an email address, a phone number or an account before showing you a result. There is no paid tier and nothing unlocks at the end.
Do you see the numbers I type in?
No. Every calculator runs inside your own browser, so the balance, the quote and the account type you enter never reach our servers and are gone when you close the tab.
Which calculator should I start with?
The fee calculator, if you are deciding whether to open an account, because cost is the part a sales call is least likely to give you in one number. If you already have a quote in front of you, start with the coin premium calculator instead.
What is the difference between a calculator and a tracker?
A calculator works from figures you supply and answers what something will cost or would have done. A tracker works from published data we recompute from the publisher's own file and answers what a number is right now, and each one publishes the series as a CSV you can download and check.
How accurate are the results?
Each calculator names what it leaves out, in a method section on its own page, because a figure that hides its exclusions implies more precision than the inputs support. The arithmetic is exact, so whether the answer matches your account comes down to whether the figures you entered match your account.
Do I need to already have a gold IRA to use them?
No. Most of the 12 are built for the decision before the account exists, which is when the numbers are worth the most.
Fee schedules, custodian charges and dealer pricing behind these calculators were last checked on .