Robinhood Gold costs $50 a year or $5 a month. Enter your own numbers to see whether the extra cash interest and the larger IRA match cover that fee.
How the calculation works
- Cash interest: your uninvested cash multiplied by the Gold APY. Robinhood lists 3.60% for Gold members as of September 17, 2026. The rate can change at any time.
- Extra IRA match: your eligible contributions multiplied by 2%, the gap between the 3% Gold match and the 1% match everyone gets.
- Gold fee: $50 on yearly billing or $60 if you pay $5 a month.
Break-even points
At 3.60% APY, about $1,389 of uninvested cash earns the $50 yearly fee on its own. On the IRA side, $2,500 of contributions earns the same $50 from the extra 2% match. Most people fall somewhere between the two, so the calculator adds both together.
Worked example
Someone with $5,000 in uninvested cash who contributes $3,000 to an IRA would earn about $180 in interest and $60 in extra match. After the $50 fee, that leaves about $190 for the year.
What this calculator leaves out
- Conditions on the Gold match: you must stay subscribed for 1 year after your first Gold match to keep the full amount, and the matched contributions must stay in the account for at least 5 years to avoid a possible Early IRA Match Removal Fee.
- Where interest applies: only settled cash in eligible taxable accounts earns it. IRAs are not eligible, and a margin debit balance means you earn no interest through this program.
- Taxes: interest is generally taxable, so your real gain can be lower.
- Other Gold perks: the first $1,000 of margin is interest free, and research tools are included. These only count if you would use them.
Sources: What’s Robinhood Gold? and High-Yield Cash Program interest rate on Robinhood’s support site. For the full picture, read our Robinhood Gold guide.
Educational estimate only, not financial advice. RobinhoodTradeApp Guide is independent and is not affiliated with Robinhood Markets, Inc. Rates can change, so confirm them in the app before you decide. Figures checked October 31, 2026.
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Robinhood Gold calculator FAQ
How much cash do I need for Gold to pay for itself?
At a 3.60% rate, about $1,389 in uninvested cash earns enough over a year to cover the $50 fee. If the rate changes, this number changes too.
Is Gold worth it if I only use the IRA match?
It can be. The extra 2% match covers the $50 fee once your eligible contributions reach $2,500.
Is the interest taxed?
Cash interest is usually taxable income, so your real gain can be smaller. This calculator shows the amount before tax.
Related Robinhood guides
- Robinhood Gold: what you get and what it costs
- All Robinhood fees explained
- Robinhood IRA match calculator
Check the current rate and fee in the app or in Robinhoodâs official help centre.