Trump Account Calculator
Project a child's Trump Account balance at 18 — seed money, contributions and growth.
Updated · How we check our maths
- Estimated balance at 18 (2044)
- $70,672
- Federal seed
- $1,000 (born 2025–2028)
- Contributions
- $36,000 over 18 years
- Investment growth
- $33,672
- If left invested to age 30
- $157,391
- At 18
- Becomes an IRA-style account; IRA withdrawal rules apply
Quick answer
Trump Accounts (Section 530A) give US-citizen children born 2025–2028 a $1,000 federal seed. Families and others can add up to $5,000 a year in total (employers up to $2,500 of it), invested in a low-cost US stock index fund until 18. At 7% a year, $2,000 a year from 2026 for a 2026 baby grows to roughly $71,000 by age 18.
What the Trump Account Calculator does
Enter the child's birth year, when you'll start contributing, and how much family and employer money goes in each year. The calculator applies the $5,000 annual cap, adds the federal seed if eligible, and compounds at your expected return minus fees. It also shows the balance if the money is left invested until 30.
Limits are indexed for inflation after 2027 and the rules may change — check trumpaccounts.gov and a tax adviser before relying on these figures.
The formula
Balance at 18 = seed × (1 + r)ⁿ + contribution × [(1 + r)ⁿ − 1] ÷ r, with r = return − fees and contributions capped at $5,000 a year.
Worked example
Born 2026, $5,000 a year from 2026, 7% return, 0.1% fee: about $172,000 at 18, of which $90,000 is contributions and $1,000 the federal seed.
How to use the Trump Account Calculator
- Enter the birth year (2025–2028 qualifies for the $1,000 seed).
- Enter yearly family and employer contributions.
- Set an expected return and fee.
Frequently asked questions
Who gets the $1,000 Trump Account seed?
US-citizen children born from January 1, 2025 through December 31, 2028, once a parent or guardian elects it.
How much can I put in a Trump Account?
Up to $5,000 per child per year from all contributors combined (2026–2027), indexed for inflation later; employers can contribute up to $2,500.
Trump Account vs 529 — which is better?
529 plans are tax-free for education; Trump Accounts are retirement-style accounts after 18. Many families use both.
Can money be withdrawn before 18?
No, apart from limited exceptions such as rollovers or excess contributions.
Results are estimates for planning and learning. Check important figures with a qualified professional. How we build and check our calculators.