Free calculator · United States · launched July 2026

Trump account calculator

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.

Child's birth year2026

Born 2025 through 2028: the Treasury seeds the account with $1,000. Older children can still have an account, just not the free seed.

Family contributions per year$2,400/yr

Parents, relatives, anyone. The overall cap is $5,000 a year; the pilot $1,000 does not count against it.

Employer contribution per year$0/yr

Employers may add up to $2,500 a year for an employee's child. It counts inside the same $5,000 cap.

Assumed growth7%

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.

Value at 18

$84,978

If untouched to 30

$191,386

Total paid in

$44,200

Share from growth

48%

Account valueto age 18

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.

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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.