Precious Metals Central

Precious Metals Central

Gold IRA vs Traditional IRA Calculator

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Side-by-side comparison

Gold IRA vs Traditional IRA calculator

Compare a stock-only Traditional IRA illustration with a blended portfolio using assumptions you can inspect and change.

  • Runs privately in your browser
  • Adjustable assumptions
  • Educational estimate

Projection inputs

Compare two illustrative paths

Both paths remain inside a Traditional IRA tax wrapper. This isolates allocation and fee assumptions rather than implying a different tax status for gold.

100% stock illustration—— after estimated tax
Blended illustration—— after estimated tax

What if a 2008-style shock happened next?

Stock-only one-year change—
Blended one-year change—
Difference retained—
Total flat Gold IRA fees—
Shock model: stocks −37%, gold +5%, applied once to the starting balance. Long-term projections do not include that shock.

Free Gold IRA Guide

Find the company path that fits your investment range

Answer two quick questions to see the Gold IRA company path matched to the amount you’re considering. No name, email, or phone number is required to view the result.

Find My Gold IRA Match Precious Metals Central may receive compensation if you open an account through a link shown after the guide. This does not increase your cost. Review provider terms independently.

Method and limitations

The stock-only path compounds the entered stock return after the entered percentage fee. The blended path uses the chosen stock/gold mix and subtracts the entered flat annual Gold IRA fee after each year. Estimated tax applies the same retirement tax rate to both ending balances. The separate stress test uses a one-year stocks −37% and gold +5% illustration.

Results are illustrations based on the values entered. They are not predictions or individualized investment, tax, or legal advice. Confirm rules, fees, returns, eligibility, and account treatment with qualified professionals and the relevant plan administrator or custodian.