About the Trump Account Calculator
This Trump Account calculator projects how much a child’s Trump Account could be worth at 18 and later. Trump Accounts were created by the 2025 tax law known as the One Big Beautiful Bill Act (which the IRS calls the Working Families Tax Cuts) as a new kind of IRA for children. The federal government makes a one-time $1,000 pilot contribution for eligible US-citizen children born from January 1, 2025 through December 31, 2028, and contributions have been allowed since July 4, 2026.
Parents, relatives and others can add up to $5,000 a year in total, and an employer can contribute up to $2,500 a year for an employee’s child (counting toward the $5,000). Money must be invested in low-cost funds tracking the S&P 500 or another index of mainly US stocks, and generally cannot be withdrawn before the year the child turns 18; after that the account is treated much like a traditional IRA.
Enter the child’s age, whether they qualify for the $1,000 seed, yearly family and employer deposits, any one-time gift such as a charitable or state contribution, and an expected return. Contributions are assumed at the start of each year from the child’s current age through age 17, so a newborn gets 18 yearly deposits. Because no deposits were allowed before July 4, 2026, a child born in 2025 should be entered as age 1 (their first deposit year). The $5,000 limit is held at its current level; the IRS says it will be indexed for inflation starting after 2027.
With the default inputs, the projected balance is $39,758.90. Change any value above to recalculate instantly.
How to use the trump account calculator
- 1Enter your child’s current age.
- 2Turn on the $1,000 seed if they were born in 2025–2028 and are a US citizen.
- 3Enter yearly family contributions and any employer contribution.
- 4Add any one-time gift and choose an expected return.
- 5Pick the age to project to and read the balance and growth.
Formula and method
The account starts with the $1,000 pilot contribution (if eligible) plus any one-time gift. At the start of each year until the child turns 18, the yearly contribution C — family plus employer deposits, capped at $5,000 with the employer share capped at $2,500 — is added, and the whole balance grows by the expected return r.
From age 18 onward the projection only compounds the balance, because the account then generally follows traditional IRA rules and new deposits require earned income. The seed value shows what the $1,000 alone becomes: 1,000 × (1 + r)^years.
- B(a)
- Balance at the child’s age a
- C
- Yearly contribution (family + employer, max $5,000)
- r
- Expected annual return after fees
Worked examples
Newborn with the seed and $1,000 a year
The $1,000 seed plus $1,000 a year for 18 years totals $19,000 of contributions. At 7% the account reaches about $39,759 at 18 — more than half of it investment growth. The seed alone would be worth about $3,380.
Maximum contributions from birth
Family and employer deposits of $7,500 are capped at the $5,000 yearly limit. With the seed, $91,000 goes in over 18 years and grows to about $185,275 at 7%.
Seed only, left to grow to 65
With no other deposits, the $1,000 federal contribution grows to about $3,380 by 18 and about $81,273 by 65 at 7% — a picture of long-run compounding.
5-year-old (no seed), $3,000 a year, $250 gift, to age 25
Born before 2025, this child gets no federal seed, but a $250 gift and $3,000 a year for 13 years add $39,250. At 8% the balance is about $70,325 at 18 and $120,524 at 25.
Frequently asked questions
What is a Trump Account?+
A Trump Account is a tax-advantaged investment account for children created by the 2025 Working Families Tax Cuts law. It is a type of IRA for anyone under 18, invested in low-cost US stock index funds, and generally locked until the year the child turns 18.
Who gets the $1,000 from the government?+
The one-time $1,000 pilot program contribution goes to children who are US citizens, born January 1, 2025 through December 31, 2028, and for whom an election is made — generally by a parent on IRS Form 4547.
How much can be contributed to a Trump Account each year?+
Parents, relatives and others can contribute up to $5,000 a year in total. An employer can contribute up to $2,500 a year for an employee’s child, which counts toward the $5,000. Qualified contributions from governments or charities do not count toward the limit.
When can the money be withdrawn?+
Withdrawals generally are not allowed before January 1 of the year the child turns 18. After that the account is generally treated like a traditional IRA, so withdrawals of earnings are taxable and early withdrawals before 59½ may face a penalty unless an exception applies.
When can contributions start?+
Treasury and IRS guidance says no contributions can be made to Trump Accounts before July 4, 2026. Accounts are opened by making an election, and the government seed is deposited once the account is set up.
Is a Trump Account better than a 529 plan?+
They serve different goals. A 529 plan grows tax-free for education, while a Trump Account is a retirement-style account that can be used for anything after 18 but is taxed like a traditional IRA. Many families use both.
Results are estimates for educational purposes and are not financial advice. Rates, fees and terms vary — confirm with your lender or a licensed advisor before making decisions.