Trump Accounts Calculator (2025–2028)
$1,000 from the government for every US-citizen child born 2025–2028, plus tax-free growth until 18. Check eligibility and project the growth in 30 seconds.
Last updated: October 21, 2026
Check the $1,000 seed eligibility
The child meets the birth-year, US-citizenship, and valid-SSN requirements for the $1,000 seed.
Next: claim and manage the account through the official app.
Check current official guidance at trumpaccounts.gov →Project the account growth
How it works
- The $1,000 government seed is for a US-citizen child born January 1, 2025 through December 31, 2028 who has a valid SSN; seed payments started July 4, 2026. IRC §530A; Notice 2025-68; trumpaccounts.gov
- Account eligibility is broader than seed eligibility: any US child under 18 with an SSN can open an account and contribute, including a child born outside 2025–2028.
- All-source contributions share one limit: parents, relatives, employers, and other contributors together may contribute $5,000 per year under the current base limit.
- Employer contributions up to $2,500 per year may be tax-free to the employee, but they still count toward the combined $5,000 annual limit.
- Before the year the child turns 18, investments are limited to cash/deposits or funds tracking a qualified US total-market index, and no distributions or hardship exceptions are allowed. At 18, investment restrictions lift and Traditional IRA withdrawal rules apply.
FAQ
Who qualifies for the $1,000?
A child born from January 1, 2025 through December 31, 2028 qualifies for the seed if the child is a US citizen and has a valid Social Security number.
Can I open an account for a child born before 2025 or after 2028?
Yes. Any US child under age 18 with a valid SSN can open and contribute to a Trump Account. The 2025–2028 birth window applies only to the one-time $1,000 government seed.
How can the money be invested before age 18?
Until the start of the calendar year the beneficiary turns 18, funds may be held only in cash or deposits, or in mutual funds and ETFs tracking a qualified US total-market index. Those investment restrictions lift at the start of that year.
How much can everyone contribute each year?
The combined annual limit is $5,000 from all sources, including parents, relatives, and employers. Employer contributions of up to $2,500 can be tax-free and count toward the same $5,000 limit.
Can money be withdrawn before age 18?
No. No distributions are allowed before the calendar year the beneficiary turns 18, and there is no hardship exception.
What happens at 18?
At the start of the calendar year the beneficiary turns 18, the investment restrictions lift and the account is treated as a Traditional IRA. Standard IRA rules apply, including the 10% early-distribution penalty before age 59½ and the standard IRA exceptions.
Methodology
2025 ≤ birth year ≤ 2028 AND US citizen AND valid SSN; account eligibility is broader and includes any US child under 18 with an SSN. Growth uses annual compounding: the $1,000 seed is applied in the birth year; contributions begin no earlier than 2026, are added at the start of each year through age 17, and stop in the year the beneficiary turns 18. The balance then compounds without new contributions to ages 30 and 65. Employer money is included in the same all-source limit. Limit is $5,000 through 2027, inflation-indexed thereafter per §530A. Until the start of the calendar year the beneficiary turns 18, investments are limited to cash/deposits or mutual funds/ETFs tracking a qualified US total-market index. No pre-18 distributions or hardship exceptions apply. At that point the restrictions lift and standard Traditional IRA rules apply, including the 10% penalty before age 59½ and standard exceptions. Program rules are still being finalized by Treasury; see trumpaccounts.gov for the current official guidance. Last updated: October 2026.Sources: IRC §530A (Pub. L. 119-21); IRS Notice 2025-68; IR-2025-117 (Dec. 2, 2025); Investor.gov Trump Accounts guidance; UBS Trump Accounts guidance (July 2026); trumpaccounts.gov — accessed October 2026Last updated: October 21, 2026 · Reviewed against official IRS guidance