Trump Account Growth Calculator — Project Your Child's Balance to 18
Trump Accounts launched July 2026 under the One Big Beautiful Bill Act — a tax-advantaged investment account for children under 18. Eligible children born 2025-2028 get a one-time $1,000 federal seed deposit, and family, friends or employers can add up to $5,000 per year on top. This calculator projects the balance at age 18 from the seed money plus your own contributions, invested in a low-cost index fund as the program requires.
A projection assuming steady contributions and returns — real markets fluctuate year to year. Contribution limits and rules are set by Treasury/IRS regulations that are still being finalized — verify current details at trumpaccounts.gov before contributing.
Based on the program as described in official Treasury/IRS guidance and trumpaccounts.gov as of July 2026 — rules and contribution limits are still being finalized via regulation. This is a growth projection, not investment or tax advice.
How to use this tool
- Enter your child's current age.
- Tick the $1,000 seed box if they were born 2025-2028 and received the one-time federal deposit.
- Enter how much you plan to contribute each year — the legal limit is $5,000/year (not counting the seed), indexed for inflation after 2027.
- Press Calculate to see the projected balance when the growth period ends at age 18, split into contributions vs investment growth.
Frequently asked questions
What is a Trump Account?
A tax-advantaged investment account for children under 18, created by the One Big Beautiful Bill Act and launched in July 2026. It's meant to give kids a head start on long-term savings, invested in low-cost index funds or ETFs as required by the program rules. See the official trumpaccounts.gov for the current rules.
Who gets the $1,000 seed deposit?
U.S. citizen children born January 1, 2025 through December 31, 2028, for whom an account election is made, receive a one-time $1,000 federal deposit. Children outside that birth window can still have a Trump Account opened for them — they just don't get the automatic seed money.
How much can I contribute each year?
Up to $5,000 per child per year (indexed for inflation starting after 2027), from parents, family, other individuals or even employers combined. This limit doesn't apply to the federal seed money or certain qualified rollovers.
When can the money be withdrawn?
The "growth period" runs from birth until December 31 of the year before the child turns 18. During that time, contributions are allowed and investments are restricted to approved low-cost funds, but distributions are generally prohibited — the money is meant to stay invested and grow until adulthood.
Is this the same as a 529 college savings plan?
No — a 529 plan is specifically for education expenses and has been around for decades. Trump Accounts are newer, broader in eventual use, and come with the government seed deposit for eligible children. Families can use both; check current IRS guidance for how they interact tax-wise.