Lower IRA fees for everyone.​

We don’t believe in hidden charges, investment minimums, or commissions. And there’s no need to download a fee schedule to see what it will cost you. Everything is right here for you to see.

(Spoiler: Unlike other custodians, we’re into pricing that actually fits on one page. This page, to be exact.)

Alto CryptoIRA®

An IRA designed specifically for crypto! Alto CryptoIRA enables you to use your retirement savings to buy, sell, and trade 150+ coins and tokens directly through Coinbase.

Administrative Fees

Account Fee

Custody Fee

Trade Fee*

Account Closure

Outbound Wire Transfer






* A fee of 1% of the order size is included per transaction.

Alto IRA

Invest your Alto IRA in alternative assets like private companies, crypto funds, real estate, venture capital and more.

Administrative FeesProStarter
Account Fee$25/mo
or $250/year
(get two months free)
or $100/year
(get two months free)
Custody Fee$0/mo$0/mo
Partner Investment Fee**$10/$50$10/$50
Private Investment Fee$75---
Account Closure$50$50
Outbound Wire Transfer$25$25

** A partner investment fee covers the expense incurred each time we execute an investment on your behalf.

What’s included

Account Setup

Account Funding


Roth Conversion

Tax reporting

Excellent Client Experience

Questions before you get started?


If your portfolio includes private investments, then you will be in the Pro plan. Customers who exclusively utilize our investment partners will be in the Starter plan.

You will be charged monthly on the day you opened your account. (Example: If you opened your account on April 8th, you will be billed every month on the 8th.) 

Yes! Simply log into your account, go to your settings, and change your billing preference.

Yes. You may proactively upgrade from Starter to Pro if you anticipate making a private investment. If you are in the Starter plan, you will be prompted to upgrade to Pro if you choose to make a private investment.

You will be charged the investment fee when you e-sign for your investment.

Yes. If your account is funded and you choose to close it, an account closure fee will apply.

No, you cannot currently pay for your account fees from your cash balance. This option is not yet available, but we’re working on this capability for the future! Stay tuned.

Investments via our preferred partners are $10 per investment. Investments via our other partners will be a $50 fee per investment. See our list of partners.

We accept all major credit and debit cards.

There are no tax penalties. However, your transferring custodian may charge a transfer fee. Alto does not charge such fees.

Many crypto IRA solutions require investing through an IRA-owned LLC, which results in a minimum $800 Annual Franchise tax for California residents. The Alto CryptoIRA eliminates the need for—and high costs associated with—IRA-owned LLCs.

‍Alto is dedicated to providing straightforward pricing. There are no monthly fees or account minimums as you’ll find with many crypto IRAs. All you pay is a 1% trade fee when you buy or sell crypto, which includes Coinbase fees. HODLers rejoice!