Alto IRA
Alto CryptoIRA
Checkbook+ IRA

Simple, Transparent Pricing Every Day

No hidden fees. No surprises. No magnifying glass required.

Calculate Your Account Fee

Slide the bar to your account value to estimate your monthly fee


We don’t believe in hidden charges, investment minimums, or setup fees, and we work hard to offer the most competitive pricing in the industry. The highest monthly account fee is just $30 per month, no matter your account size.

Set-Up Fee


Monthly Account
Admin Fee

Monthly Account Admin Fee

Covers account management and reporting that Alto is required by law to provide to the IRS on your behalf - based on the size of your account and billed monthly to your credit card on file.

Account size

Monthly fee

Up to $10,000


Up to $25,000


Up to $50,000


Up to $75,000


Up to $100,000


More than $100,000


Per Transaction Fees

Covers the expense incurred when we execute an investment on your behalf. Based on transaction size and billed to your credit card on file each time you make a new investment. No fee for transactions less than $5,000, and the most you'll ever pay is $150, no matter the size of your investment.

Transaction size

Fee per transaction

Up to $5,000


Up to $10,000


Up to $25,000


Up to $50,000


More than $50,000


Things You May Want to Know

What is The Alternative IRA®?

The Alternative IRA® from Alto is an individual retirement account that gives investors the freedom to invest in alternative assets like startups, private companies, real estate, loans, and digital currencies, either directly or via one of Alto’s investment partner platforms.

What makes Alto my best option?

  • We've built an easy-to-use and enjoyable user experience.
  • We include the company or asset you are investing in in the transaction process -- saving you the burden of massive amounts of paperwork.
  • Our pricing is simple: we have no hidden fees.

Do I need to be an accredited investor to sign up?

No. Alto supports non-accredited investors as well as accredited investors. Anyone can create an AltoIRA account, though some offerings are only open to accredited investors. This determination is entirely up to the issuer or investment platform and may vary by type of offering.

What if I want to withdraw my cash?
If you choose to withdraw or distribute cash or property from your IRA before the age of 59 ½ without a qualifying life event, you will incur tax penalties. Cash can be transferred to another IRA custodian of your choice at any time for free and without tax penalties.

What are the tax benefits to using an AltoIRA?
Investors who open a Traditional or Roth IRA at Alto receive the same tax benefits as an IRA held at a broker or investment firm. The AltoIRA puts the investor in the driver’s seat of their retirement account, allowing them to select investments while maintaining all tax-advantaged savings.

Will there be penalties for transferring my cash from my existing IRA account to Alto?
There are no tax penalties. However, your transferring custodian may choose to charge a transfer fee. Alto does not charge such fees.

What is the difference between a “traditional" IRA and a "self-directed" IRA?

There is no legal distinction between a traditional IRA and a self-directed IRA. While Traditional, Roth, SEP, and other IRAs can all be “self-directed” (meaning you choose what to invest in), most brokerages and custodians don’t allow investments in alternative assets - assets not publicly-traded and therefore illiquid. With The Alternative IRA®, investors gain maximum control and flexibility to invest their IRA in assets they know and understand - like startups, real estate, and more.

Unlock your IRA and invest today!

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