Ginti US

Trump Account Calculator

Enter the child's age, contributions and a return to see what the account could hold at 18, and how much of it is growth.

Born 2025 to 2028

Child's age now

Family contributions a year ($)

Employer contribution a year ($)

Yearly return (%)

Value at 18

$37,379

$19,000 put in, $18,379 of growth

Going in each year: $1,000
Years of saving: 18
Yearly limit: $5,000
Employer limit: $2,500

Contributions could start on 4 July 2026 and stop at the end of the year before the child turns 18. After that the account works like a traditional IRA: growth is taxed when withdrawn, and taking money out before 59½ usually costs a 10% penalty unless an exception applies.

What you entered

Seed: $1,000Age: 0Each year: $1,000Return: 7%

1
Government seed (children born 2025 to 2028)
pilot program= $1,000
2
Going in each year, family + employer, at most $5,000
$1,000 + $0= $1,000
3
Years until the child turns 18
18 − 0= 18
4
Value at 18, growing 7% a year with each year's money added at the end
$1,000 × (1 + 7%)^18 + $1,000 × ((1 + 7%)^18 − 1) ÷ 7%= $37,379
5
Of which growth
$37,379 − $19,000= $18,379

Result

Value at 18: $37,379

Returns are not guaranteed: the account must hold low-cost funds that track US stocks, which can fall as well as rise. The $1,000 is for US-citizen children born from 2025 to 2028 with a Social Security number, claimed on Form 4547 or at trumpaccounts.gov.

What a Trump Account could hold at 18

Starting at birth with the $1,000 seed, adding the same amount at the end of each year and growing 7% a year.

Family puts in each year	Value at 18	Of which put in
$0	$3,380	$1,000
$1,000	$37,379	$19,000
$2,500	$88,378	$46,000
$5,000	$173,375	$91,000

$5,000 a year is the limit for family and employer money together. A 7% return is an assumption for illustration; the account holds stock index funds and can lose value.

What a Trump Account is

A Trump Account is a tax-advantaged savings account for a child, created by the One Big Beautiful Bill Act. US-citizen children with a Social Security number born from 2025 to 2028 get a one-time $1,000 deposit from the Treasury, claimed on Form 4547 or at trumpaccounts.gov. Families, employers and others can add up to $5,000 a year in total, from 4 July 2026 until the year before the child turns 18; an employer can put in up to $2,500 of that without it counting as the employee's income.

How much it could grow

Money left in for 18 years compounds. The $1,000 seed alone grows to about $3,380 at 7% a year. Adding $1,000 a year from birth gives about $37,379 at 18, of which $19,000 is money put in; $5,000 a year gives about $173,375. Returns are not guaranteed, because the account must be invested in low-cost funds that track US stocks. After 18 the account follows traditional IRA rules: growth is taxed when it is withdrawn.

Frequently asked questions

Who gets the $1,000 Trump Account deposit?

US-citizen children with a valid Social Security number who were born from 1 January 2025 to 31 December 2028. A parent or guardian claims it by making the election on Form 4547, with a tax return or at trumpaccounts.gov. No deposits were made before 4 July 2026.

How much can I put in a Trump Account each year?

Up to $5,000 a year from all individuals and employers together, a limit that rises with inflation after 2027. An employer's share, up to $2,500, isn't taxable to the employee. The $1,000 seed and contributions from governments or charities to whole groups of children don't count toward the $5,000.

When can the money be taken out?

Not before the year the child turns 18. After that the account is treated like a traditional IRA: withdrawals of growth and of money that wasn't taxed going in are taxable, and taking money out before 59½ usually adds a 10% penalty unless an exception, such as education or a first home, applies.