Gold IRA Calculator | Gold Investment Analyst

How Much Gold Should You Have in Your IRA? Here’s How to Find Your Number

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Your inputs
Monthly contribution $500 / mo
Years to retirement 20 yrs
Gold allocation 20%

Expected gold return 8.5% / yr
Expected stock return 7.0% / yr
Projected results
Portfolio at retirement
$847,000
Blended return: 7.3% / yr
With gold allocation
$847,000
Without gold (stocks only)
$701,000
Gold advantage
+$146,000
Total contributed
$270,000
Gold portion at retirement
$239,000
Investment growth
+$427,000
With gold Without gold
Year-by-year growth breakdown
With gold allocation Without gold Gold portion only
Milestone snapshot
YearWith goldWithout goldGold advantageGold portion

Gold return default: 8.5%/yr (50-year historical average). Stock return default: 7%/yr (S&P 500 long-run average). Both rates are adjustable above. Past performance does not guarantee future results. This calculator is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor before making investment decisions.