A Gold IRA follows the same tax rules as any other IRA, plus a short list of extra requirements for physical metal: minimum purity, approved products, an IRS-approved custodian and storage in an approved depository. Break one of those and the IRS can treat the whole account as distributed.
These guides explain the limits, deadlines and tax consequences so you know what applies before you contribute, roll over, withdraw or inherit.
Start with the core guides
All IRS Rules & Taxes articles
IRS Rules & TaxesRoth Gold IRA: Rules, Benefits and How to Set One UpRoth Gold IRA explained: after-tax funding, tax-free qualified withdrawals, no RMDs, 2026 income limits, conversions and the two five-year rules.November 7, 2026
IRS Rules & TaxesGold IRA Tax Rules: How Gold Inside an IRA Is TaxedGold IRA tax rules explained: how contributions, growth, rollovers and withdrawals are taxed in Traditional and Roth accounts.November 7, 2026