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 over your account value to estimate your monthly fee

$0
$100k+

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.

Account
Set-Up Fee

FREE

Monthly Account
Admin Fee
$5

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. The most you'll ever pay is $30 per month, no matter your account size.

Account size

Monthly fee

Up to $10,000

$5

Up to $25,000

$10

Up to $50,000

$15

Up to $75,000

$20

Up to $100,000

$25

More than $100,000

$30

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

FREE

Up to $10,000

$25

Up to $25,000

$50

Up to $50,000

$100

More than $50,000

$150

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 Issuer (the company/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. With AltoIRA, the difference is that an investor gets to be 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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