Trump Account Calculator — Child Savings Growth to Age 18

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Trump Account

Child savings growth • To age 18

Child's current age

yrs

Annual contribution ⓘ

Expected annual return

Include $1,000 federal seed ⓘ

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Enter a plan to project the balance at 18

How the Trump Account Calculator Works

Enter your child's age and your yearly contribution (up to $5,000).
Set an expected return (7% is a common long-term estimate).
Keep the $1,000 federal seed if your child qualifies, and see the balance at 18.

What Is a Trump Account? (2026)

"Trump Accounts" are new tax-advantaged savings accounts for children under 18, created by the One Big Beautiful Bill. Families can contribute up to $5,000 per year (indexed after 2027), and the federal government adds a one-time $1,000 seed for US-citizen children born 2025–2028. The money is invested and grows tax-deferred until withdrawal.

Thanks to compound growth, starting at birth makes a big difference: $2,000/year at 7% plus the $1,000 seed grows to roughly $70,000 by age 18. This calculator projects your child's balance month by month so you can compare contribution levels. It's an educational estimate, not investment advice.

Trump Account FAQ

How much can I contribute to a Trump Account? ▾

Up to $5,000 per child per year (adjusted for inflation after 2027). The government also adds a one-time $1,000 for eligible children born 2025–2028.

Who gets the $1,000 federal seed? ▾

US-citizen children born between 2025 and 2028 receive the one-time $1,000 government contribution into their account.

How is it different from a 529 plan? ▾

A 529 is for education only. Trump Accounts are more flexible general-purpose investment accounts for children, with the added $1,000 federal seed — but contribution limits are lower than a 529.