Crypto IRA
Unlock tax-free crypto investing
A self-directed Roth or Traditional IRA lets your crypto grow inside a tax-advantaged account. Open one with Accuplan in a few minutes.
Why Accuplan
Low fees, low minimum, full-menu self-directed IRA.
No setup fees. Just $150 to open. Buy and sell crypto inside your IRA without a separate trading account. Gains stay inside the IRA and grow year after year, taxed only when you take distributions, or never if the account is a Roth.
Accuplan administers your account. American Estate & Trust holds the assets as your custodian, with crypto held in cold storage through Coinbase.
Fees side by side
How Accuplan compares.
Crypto IRA custody is a fee game. Here is what you pay with Accuplan and what the average competitor charges.
Accuplan
Setup fee. $0
Transaction fee. 2% per buy or sell
Minimum to open. $150
Monthly account fee. $5
Average competitor
Setup fee. $50
Transaction fee. 3% per buy or sell
Minimum to open. $500
Monthly account fee. $30
Roth or Traditional
Two ways to hold crypto inside an IRA.
Pick the wrapper that matches when you want to pay tax.
Tax treatment
The wrapper decides whether you pay tax now or in retirement.
Roth crypto IRA
Contribute money you have already paid tax on. Gains grow tax-free inside the IRA, and qualified retirement withdrawals come out tax-free. The wrapper of choice if you expect crypto to appreciate.
Traditional crypto IRA
Contribute pre-tax money and lower your taxable income now. Gains grow tax-deferred. You pay ordinary income tax when you take distributions in retirement.
Getting started
Three steps to open and fund your crypto IRA.
Open a retirement account
Apply online in a few minutes. No setup fee, no paperwork mailed back and forth.
Fund your account
Transfer, roll over, or make a fresh contribution. As little as $150 to start.
Start trading
Buy and sell crypto from inside your Accuplan dashboard. Trades settle in under a minute.
Want to talk first?
Book a 15-minute call.
No pitch, no obligation. We answer questions about crypto IRAs, the rollover process, and what makes sense for your situation.