Checkbook IRA cost‑benefit calculator
Active investors pay per-transaction and per-asset fees with a standard custodian. See when checkbook control pays for itself.
Your activity & timeline
Defaults are placeholders. Replace with current published IRA Financial pricing and typical standard-custodian pricing before this goes live. All fee amounts require compliance sign-off.
- Total cost over 5 yrs$0
- Transaction fees$0
- Wire fees$0
- Asset holding fees$0
- Per year$0
- Total cost over 5 yrs$0
- LLC setup (one-time)$0
- Flat annual fee$0
- Per year$0
Want to see how this works for your situation?
- →The purple bar is your Checkbook IRA. It pays a one-time LLC setup fee plus a flat annual fee, no matter how active you are.
- →The blue bar is a standard custodian. It charges per transaction, per wire, and per asset held, so costs scale with your activity.
- →Pays for itself in shows how long the fees you avoid at a standard custodian take to cover the one-time setup cost. After that, you save every month.
- →Set your own activity assumptions. Edit transactions, wires, assets held, and years to match your situation, then adjust the fee assumptions to match real pricing.
For illustration only. This compares fees using the amounts you enter and simplified assumptions. It is not investment, tax, or legal advice, and IRA Financial does not provide investment advice or sell investments. Fees vary by provider, structure, and activity level. Defaults shown are placeholders, not published pricing, replace them with current IRA Financial pricing and typical standard-custodian pricing, and confirm all fee amounts with compliance before this goes live.