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.

Formula & Logic

So-called "Trump accounts" are tax-advantaged savings accounts established for children under recent US legislation, seeded with a one-off federal contribution for eligible newborns and open to additional annual contributions from parents and others. The arithmetic is an ordinary future value projection, but the horizon is what makes it interesting: money invested at birth has eighteen years to compound before any typical use and potentially sixty before retirement. That extreme time horizon means even modest contributions produce large balances, and it makes the projection acutely sensitive to the assumed return.

FV = Seed × (1 + r)^n + PMT × [ ((1 + r)^n − 1) ÷ r ]Doubling time ≈ 72 ÷ return, applied repeatedly across the horizonReal value = FV ÷ (1 + inflation)^n

where:

seed: the one-off government contribution for eligible children
PMT: ongoing annual contributions, subject to the statutory cap
n: years to access — long horizons dominate the outcome

Assumptions: Programme rules, contribution limits and eligibility are set by statute and subject to change; confirm current terms before relying on any projection. Withdrawal rules and permitted uses determine whether the balance is genuinely available at 18.

Step-by-Step Example: $1,000 at Birth Plus $1,000 a Year

Project a seeded account with modest annual additions to age 18 and then to 60.

Initial seed$1,000
Annual contribution$1,000
Return7%
Horizons18 and 60 years

Seed at 18: $1,000 × 1.07¹⁸ = $3,380.
Contributions at 18: $1,000 × [(1.07¹⁸ − 1) ÷ 0.07] = $33,999.
Total at age 18: $3,380 + $33,999 = $37,379, from $19,000 contributed.
Now leave it untouched to age 60 — 42 more years at 7%.
Growth factor: 1.07⁴² = 17.144.
Value at 60: $37,379 × 17.144 = $640,835, with no further contributions.

Result$37,379 at age 18 — $640,835 by 60 if left invested

The second half of that calculation is the striking part: $19,000 of contributions becomes $640,835 purely through time. Adjusted for 2.5% inflation the age-60 figure is worth about $146,000 in today's money — still a large return on $19,000, and a clearer way to think about very long projections.

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.