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Independent quote analysis

Find the real cost hiding in your gold IRA quote.

No complete quote yet? Copy a written dealer-fee request before comparing offers.

Enter the exact metal, dealer and account charges from a written proposal. We'll calculate the markup, five-year cost and gold-price rise needed to break even. No login or email.

✓ No lead form✓ Calculates locally✓ No made-up dealer rates
Quote analyzer

Use numbers from your proposal—not a salesperson's projection.

Enter spot and buyback prices for the same metal product, purity and troy-ounce equivalent. Blank fields are unknown, not zero. The example is hypothetical.

01 / THE METAL DEAL
$
Current metal spot for the quoted metal, not the dealer retail price.
oz t
Use fine-metal ounces, adjusting for purity and quantity.
$
Include all charges the dealer includes on the metal invoice. Exclude separately entered IRA fees.
$
Request a current, written, same-product buyback offer. Without it, the full break-even is unknown.

Choose a PDF, JPG or PNG to preview locally while you type in the numbers. Nothing is uploaded or automatically extracted. The file is not included in shared links.

No document selected.

02 / CUSTODY, STORAGE & EXIT
$
$
$
$
Include only charges not already in the metal invoice.
$
Do not double-count the per-ounce buyback spread.
%
For a hypothetical future-sale scenario only; not a forecast.
Set genuinely waived charges to 0; leave undisclosed charges blank. A calculation based on incomplete fees is explicitly labeled partial. Variable or asset-percentage annual fees need separate modeling.

Gold IRA dealer quote analysis

IRAGOLD.CO · independent educational estimate · not investment advice

Purchase premium over spot
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Provide spot, fine ounces and the metal invoice.

Modeled cost if gold stays flat
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The buyback price and fees determine this result.

Required cumulative gold-price rise to break even
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We won't invent a missing buyback price.

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Line-item picture

Enter your proposal to see the breakdown.

No quote entered yet.

The tool runs entirely in this browser. Sharing a link includes the numerical values, but never the quote label. Anyone with the link can read the numbers. We do not upload or save your proposal. Calculation method.

Ask for this in writing

Five things the quotation should reveal

  1. Precise product name, fineness, weight and total metal purchase price.
  2. Spot benchmark, date/time and effective markup on that exact product.
  3. What the same dealer would pay to buy it back today.
  4. Custodian, vault and insurance charges—including waived fees and who pays them.
  5. Sale, liquidation, shipping, wire, storage and account-closure costs.

The CFTC and FINRA specifically flag dealer spreads and fees as risks in precious-metal IRAs. Read regulator guidance.

Illustrative image of a couple reviewing their finances; not real customers
Independent research

Next: compare disclosed custodial costs.

The custodian handles the IRA account. The dealer sells the metal. Different parties may charge you different fees, so custodian prices never substitute for dealer quotes.

Compare three published fee schedules →

Understand the bigger picture: physical metal rules, IRA tax structure, and why the fee spread matters.

Read IRA Gold's guides →