Trump Accounts Growth Projector

Trump Accounts (Internal Revenue Code §530A, created by the 2026 One Big Beautiful Bill) launched July 4, 2026. Children born 2025–2028 receive a $1,000 federal Treasury seed deposit; families may contribute up to $5,000 per year. See what an account could grow to at ages 18, 30, and 55.

Child's birth year The $1,000 Treasury seed applies to children born 2025–2028.

Family contribution (per month) Capped at $5,000/year by law ($416.67/month).

Assumed annual return (%) Conservative long-run market assumption. TrumpAccounts.gov's own example ($1,000 → ~$6,000 in 18 years) implies roughly 10.4%.

Assumed tax rate on gains (%) — comparison account Used only for the regular taxable-account comparison (simplified long-term capital-gains assumption).

Federal seed deposit

Total family contributions

Child's age today

At age	Trump Account (projected)	Regular taxable account*	Extra vs. taxable

*Regular taxable account assumes the same contributions and return but no $1,000 seed, with gains taxed once at the assumed rate above (a simplification).

Assumptions used in this projection

$1,000 Treasury seed only for birth years 2025–2028 (per the 2026 law).
Family contributions stop at age 18; the balance keeps compounding afterward.
Contributions are made monthly, end of month; returns compound monthly.
The comparison taxable account gets no seed and its gains are taxed once at the assumed rate — a simplification, not a tax model.
Inflation, fees, and future law changes are not modeled.

Not financial or tax advice. This tool produces rough estimates for illustration only. Trump Account rules come from 2026 legislation and may change; verify current rules at an official source before making decisions.

FAQ

Who is eligible for a Trump Account?

Every US child under 18 is eligible; children born 2025–2028 also receive the $1,000 federal seed deposit. Parents claim the account through the official Trump Accounts app.

How much can families contribute?

Up to $5,000 per year in family contributions, with employer contributions of up to $2,500 per year also allowed on a tax-advantaged basis (per 2026 reporting).

When can the money be used?

Funds become accessible starting at age 18 (with partial access rules), with fuller access at later ages. This tool projects the balance; it does not model withdrawal rules.