Free calculator · United States · launched July 2026
Trump account calculator: what the $1,000 seed turns into
The short answer: a Trump account is a traditional IRA for a child, seeded with $1,000 by the Treasury for children born 2025 through 2028, with up to $5,000 a year of contributions invested in low-cost index funds until at least age 18. This tool shows what the seed, your contributions and compounding actually add up to.
Born 2025 through 2028: the Treasury seeds the account with $1,000. Older children can still have an account, just not the free seed.
Parents, relatives, anyone. The overall cap is $5,000 a year; the pilot $1,000 does not count against it.
Employers may add up to $2,500 a year for an employee's child. It counts inside the same $5,000 cap.
Accounts must sit in low-cost index funds (0.10% expense cap), so a broad-market assumption is the honest one. 7% nominal is the long-run US average; nothing is promised.
The rules that matter: contributions became possible on July 4, 2026; money is locked until 18 and then ordinary traditional-IRA rules apply, which means growth is tax-deferred and withdrawals are taxed as income (with the usual early-withdrawal rules). The account must hold low-cost index funds with expenses under 0.10%, which quietly protects children from being sold expensive products. And the pilot $1,000 requires a Social Security number and an election with your tax return: free money with a form attached.
Based on: the OBBBA pilot account rules; the index-fund expense cap and contribution limits. Checked July 2026. Rules change; confirm against the official guidance before acting.
The curve, the value at 18 and 30, saved.
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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.