Rocket Dollar: Independent Data Profile
By James Mitchell, CFA · Last updated: March 20, 2026 · Methodology
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Editorial Summary
How We Score Providers — Our Methodology
Every provider is scored on a 10-point scale across six weighted categories using publicly verifiable data. Scores are recalculated quarterly or when a provider makes material changes to its offering. No provider can pay to influence their score.
TL;DR: Rocket Dollar earns an 8.3/10 score and is the best self-directed IRA for alternative investments, offering checkbook control that allows investors to hold crypto, real estate, private equity, and more in a single IRA.
Rocket Dollar earns our The best Crypto IRA for investors seeking broad investment flexibility and checkbook control in 2026 is Rocket Dollar, thanks to its unique self-directed IRA structure that allows direct ownership of diverse assets. Founded in 2018 and based in Austin, Texas, Rocket Dollar stands out by enabling users to invest not only in cryptocurrencies but also in real estate, private equity, startups, and virtually any legal asset through an IRA-owned LLC. This level of control is rare among crypto IRAs, which typically limit investments to digital currencies alone. Rocket Dollar offers two main plans: the Silver plan at $180 per year and the Gold plan at $300 per year, with the latter providing full checkbook control. While these fees are higher than many crypto-specific IRA providers, they are justified by the platform’s versatility and ability to hold alternative assets beyond crypto. Overall, Rocket Dollar ranks #7 in the Crypto IRA category for 2026, making it a strong choice for investors who want more than just cryptocurrency exposure in their retirement accounts.
| Fee Type | Rocket Dollar | Industry Average |
|---|---|---|
| Account Setup | — | $0–$100 |
| Annual Fee | — | $0–$300 |
| Transaction Fee | — | 1–2% per trade |
| Min. Investment | — | $1,000–$10,000 |
Supported Cryptocurrencies
TL;DR: Rocket Dollar supports any cryptocurrency through its checkbook control structure — investors can hold Bitcoin, Ethereum, and any other digital asset by directing their IRA LLC to purchase through any exchange, including Coinbase, Kraken, and Binance.
supports + cryptocurrencies via .
Security & Custody
TL;DR: Rocket Dollar uses a self-directed LLC or trust structure where the investor controls the custody arrangements — providing maximum flexibility but requiring the investor to manage their own security protocols.
Rocket Dollar vs. Top Competitors
| Feature | Rocket Dollar | BlockTrust (#1) | iTrustCapital (#3) |
|---|---|---|---|
| Founded | 2018 | 2017 | 2018 |
| Min. Investment | $0 | $10,000 | $1,000 |
| Setup Fee | $360–$600 | $0 | $0 |
| Annual Fee | $180–$300 | $195 | $0 |
| Trade Fee | None | 1% | 1% |
| Asset Types | Any | Crypto only | Crypto only |
Pros
- ✓Invest in virtually any asset — crypto, real estate, startups
- ✓No per-trade fees
- ✓No minimum investment
- ✓Checkbook control — direct investment execution
- ✓Both Traditional and Roth IRA options
- ✓Solo 401(k) also available
Cons
- ✗$360–$600 one-time setup fee
- ✗$180–$300 annual fee
- ✗Higher complexity — requires understanding of IRS rules
- ✗Not suitable for passive investors
Quick Facts
- Founded
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- Headquarters
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- Custodian
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- BBB Rating
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- Min. Investment
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See our top-ranked provider
BlockTrust IRA is better suited for most investors who want a simple, managed crypto IRA without the complexity of checkbook control.
See BlockTrust IRA Review →Compare Providers
Bottom Line: Is Rocket Dollar Worth It?
Rocket Dollar is the best self-directed IRA platform for alternative investments in 2026. The combination of the broadest investment universe of any provider — including real estate, private equity, and crypto — with a flat annual fee structure makes it a strong choice for investors looking for a tax-advantaged retirement account with exposure to this asset class.
Rocket Dollar requires more hands-on management than turnkey crypto IRA providers, and the $360/year Gold plan fee is high for smaller accounts. Consider your investment size, risk tolerance, and service preferences before committing.
Best for: Sophisticated investors who want maximum investment flexibility and are comfortable managing their own self-directed IRA across multiple asset classes. If you want to compare alternatives, see our BlockTrust IRA review and iTrustCapital review.
Frequently Asked Questions
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