Get up to $75 off when you open and fund an account by 3/31/21!*

How to Get Started

Select an Alto IRA or CryptoIRA.

Fund your account.

Make your first investment.


Explore Alternative Assets

With our easy-to-use platform, you can invest in alternative assets — things like startups, growth companies, cryptocurrency, real estate, and more with endless possibilities.

Make an investment through one of our 21 partners, or invest in any private deal you have on your radar!

Tax-Advantaged Investing

By using an IRA to fund your investments, you maintain the tax benefits that come with qualified retirement accounts — resulting in greater effective returns for you. 

With Alto, you choose your IRA type — Traditional, Roth, or SEP:
Traditional or SEP? Pay no taxes on gains until you take a distribution.1
Roth IRA? Pay no taxes on gains.1


Low Fees and Transparent Pricing

You'll keep more of what you earn on your investments. That's because Alto has lower fees than other self-directed IRA custodians. Plus, we don’t believe in hidden charges, investment minimums, or set-up fees.


Alto's pricing plans feature low per-investment fees, an opt-in fee for outgoing wires, and a low and fixed account fee. We charge for the value we provide and the work that we do—period.

Curious about how Alto works? Check out our video below.

Frequently Asked Questions

What does my friend get for referring me?

Your friend receives rewards based on the number of people they refer in a given calendar quarter.

Here's how it breaks down:

  • 1 friend = $50
  • 3 friends = $200
  • 5+ friends = $500

People who sign up using your friends link and fund their account by 12/31/20 are considered a referral from Q4 of 2020.  People who sign up using your friends link and fund their account by 3/31/21 are considered a referral from Q1 of 2021. The maximum amount earned in a given quarter is $500.

Can I sign up for the referral program?

Once you become an Alto customer, and fund your account you are eligible to sign up for our referral program.