Estimate a hypothetical account value using an existing balance and constant annual contributions. The result is arithmetic, not a forecast or a gold allocation recommendation.
Content reviewed: October 2, 2026. Rates and amounts have no preset investment recommendation.
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2026 limits and eligibility
The IRS sets the 2026 regular contribution limit at $7,500, with a $1,100 catch-up amount for people age 50 or older: $8,600 in total. These limits apply across traditional and Roth IRAs together. Your allowable contribution can be lower because of taxable compensation and applicable eligibility rules. Rollovers are a separate category.
Sources: IRS 2026 cost-of-living announcement and IRS IRA contribution-limit guidance. A traditional IRA deduction and eligibility to contribute to a Roth IRA are separate questions and may depend on income, filing status and workplace-plan coverage.
What the model assumes
The initial balance grows at the rate you enter. Equal contributions are made at the end of each year. The rate and contribution stay constant, with no withdrawals or separately deducted fees and taxes. At zero return, the result is simply the initial balance plus contributions.
The first-year contribution is checked against the general 2026 age-based ceiling. That check does not determine your personal eligibility. The projection does not increase future limits or automatically add a catch-up when you turn 50. Recheck the rules and adjust your plan each year.
A projected account value does not establish the after-tax spending value of a traditional or Roth account. The tax result requires additional facts. Physical metals do not change the contribution rules; eligible investments and custody need their own checks.
Read how a metals IRA works and compare actual charges with the fee worksheet.
Featured precious-metals companies
Our commercial partners receive prominent commercial placement. We may earn compensation through their links. Their placement and the calculator result do not establish investment suitability or verified performance.
Augusta Precious Metals
Request products and complete written charges.
American Hartford Gold
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Goldco
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GoldenCrest Metals
- Up to $25,000 in free silver on qualifying purchases — call for details.
- Up to 25 years of free IRA storage on qualifying purchases — call for details.
Eligibility and written terms apply.
The company directory also includes Advantage Gold, Birch Gold Group, Noble Gold Investments, Preserve Gold and Priority Gold with official links.