Trump Account Calculator
A Trump Account calculator shows how the new $1,000 federal seed, along with the contributions you make each year, could grow by the time your child turns 18. Enter your child's age, the seed amount, and the annual contributions from your family and any employer in the calculator above to see the projected value.
For example, a newborn's $1,000 seed, plus $200 a month at a 7% annual return, grows to about $89,657 by age 18: $44,200 put in and $45,457 in tax-deferred growth.
How it works
The calculator above starts with the seed deposit, adds your yearly contributions in monthly steps, and compounds the balance at the return you choose until the child turns 18. Trump Accounts launched on July 4, 2026: the federal government seeds $1,000 for each U.S.-citizen child born between 2025 and 2028, and the money must be invested in a low-cost fund that tracks the S&P 500 or a similar U.S.-stock index. Growth is tax-deferred, and withdrawals are generally blocked until January 1 of the year the child turns 18 — after which the account is taxed like a traditional IRA.
Contributions are capped. Families, relatives, and friends can add up to $5,000 per year combined, and an employer can chip in up to $2,500 — but that employer money counts toward the same $5,000 cap, not on top of it. The $1,000 federal seed does not count against the cap. Going over the cap has a real consequence beyond the calculator: contributing beyond the cap can trigger IRS correction requirements. The calculator mirrors that boundary by trimming anything you enter above the limits and showing a warning, so your projection reflects what the law actually allows.
Time does the heavy lifting. The $1,000 seed alone, left untouched at a 7% return, grows to about $3,513 by age 18. Add $200 a month and the balance reaches roughly $89,657. Max out the $5,000 yearly limit from birth and it grows to about $182,980 — of which about half is growth you never contributed. This calculator only projects out to age 18, since that's when the account unlocks. For a longer horizon, like what $1,000 could grow into over 20 years, use the compound interest calculator instead. To compare that path against other accounts, see Trump Account vs 529, Trump Account vs a custodial account, Trump Account vs a savings account, Trump Account vs a brokerage account, Trump Account vs a Roth IRA, and Trump Account vs baby bonds, or read what a Trump Account is and how to open one. For step-by-step setup see how to open a Trump Account, the full contribution rules, and what the account is invested in. To pressure-test whether it's the right home for your money, see are Trump Accounts worth it. For a general projection with different assumptions, the investment calculator uses the same compounding math.
Frequently asked questions
How does this Trump Account calculator work?
The Trump Account calculator takes your child's age, the $1,000 federal seed, and your yearly family and employer contributions, then compounds the balance monthly at the return you choose until age 18. It enforces the $5,000 yearly contribution cap (including the $2,500 employer limit) so the projection matches the real rules. The result is an estimate — actual index returns vary year to year, and the projection does not model any account fees. Our Trump Account worth-it guide covers what, if anything, the account costs.
How much will a Trump Account be worth at 18?
It depends on contributions and returns. The $1,000 seed alone at a 7% average return grows to about $3,513 by age 18. Adding $200 a month brings it to roughly $89,657, and contributing the full $5,000 per year from birth reaches about $182,980. Use the calculator above to model your own numbers. Because the account is invested in a stock index, the balance can also fall in a bad year rather than just grow more slowly. See our Trump Account vs brokerage account comparison for how large a real downturn has gotten.
Who gets the $1,000 Trump Account seed?
The federal government deposits $1,000 for each U.S.-citizen child born between January 1, 2025 and December 31, 2028 who has a Social Security number. Children outside that birth window can still have a Trump Account opened and funded, but they do not receive the $1,000 seed. Set the seed to $0 in the calculator if your child isn't eligible.
How much can you contribute to a Trump Account each year?
Up to $5,000 per year combined from family, relatives, and friends. An employer can contribute up to $2,500, but that amount counts toward the same $5,000 cap rather than adding to it. The $1,000 federal seed is separate and does not count against the limit. The cap is indexed to inflation after 2027, so our Trump savings account guide is where to check the current-year number before assuming last year's cap still applies.
Is Trump Account growth taxed?
Growth inside a Trump Account is tax-deferred — you owe no tax on gains while the money stays invested. Contributions are made with after-tax dollars and are not deductible. Once the child turns 18, the account is treated like a traditional IRA, so withdrawals are generally taxed as income. Compare the tax treatment in our Trump Account vs 529 guide.
Who manages a Trump Account before the child turns 18?
A parent or legal guardian opens the account and manages it on the child's behalf until then; the money legally belongs to the child, not the parent. At 18, the child gains full control and the account starts working like a traditional IRA. A parent's immigration status does not affect a child's eligibility; see the full eligibility rules for details.
Is TrumpAccounts.gov legit, or is it a scam?
TrumpAccounts.gov is the real, official U.S. Treasury site for opening a Trump Account, live since the program's July 4, 2026 launch. Copycat sites, phishing texts, and fake "processing fee" calls have already shown up around the program; see Trump Account scams to know for the full list of red flags before you enter your child's Social Security number anywhere.
Does an adopted child qualify for a Trump Account the same as a biological child?
Yes, an adopted child qualifies for a Trump Account the same way a biological child does. The law's eligibility test looks only at citizenship, birth year, and having a Social Security number. If the adoption finalizes after the child's 2025-2028 birth window, confirm the exact timing rule on the IRS's Trump Accounts page before assuming either way.
Sources
We prioritize primary sources for rules, formulas, rates, limits, and definitions. See our calculator methodology and editorial policy.