How Trump Accounts work
Trump Accounts are tax-advantaged savings accounts for children, created by the One Big Beautiful Bill Act. Every U.S. citizen child born between January 1, 2025 and December 31, 2028 can receive a one-time $1,000 federal seed, invested in a U.S. stock index fund. Families, relatives and employers can add up to $5,000 per year (employers up to $2,500 of that). Contributions began July 4, 2026.
Rules and limits
No contributions before July 4, 2026, and no withdrawals before January 1 of the year the child turns 18 — after that the account is treated like a traditional IRA. The $1,000 seed does not count toward the $5,000 annual limit; the $5,000 cap and $2,500 employer sub-cap are indexed for inflation after 2027.
How this calculator works
The projection compounds the $1,000 seed (if the child is pilot-eligible) plus annual contributions — family + employer, capped at $5,000 total with a $2,500 employer sub-cap — as a year-end annuity until the child turns 18, at the return you enter. It is an estimate, not investment advice; actual market returns vary.