Trump Account Calculator
Illustrate how a Trump Account for a child could grow, using your own deposit, contributions and return assumption.
Trump Account Calculator
If a child starts with the $1,000 federal pilot deposit and the family adds $600 a year, a 7% yearly return would grow the account to about $23,779 by age 18. The family would have put in $11,800, so about $11,979 is growth. With no further contributions, that balance would reach about $571,791 by age 65 at the same 7%. These are illustrations, not forecasts.
How to use this trump account calculator
- Enter the starting deposit ($1,000 if your child gets the federal pilot deposit, otherwise 0).
- Enter how much you plan to add each year (the cap is $5,000 in total).
- Enter your child’s age and a return assumption.
- Read the balance at 18, the growth, the balance at a later age and the 4% and 10% scenarios.
The math behind the result
Balance = P × (1 + r)n + C × [((1 + r)n − 1) ÷ r], where P is the starting deposit, C the yearly contribution, r the yearly return and n the years until age 18. After 18, the balance grows by (1 + r) each year with no more contributions.
Worked example
$1,000 start, $600 a year from birth, 7% return:
- Total contributed by 18: $11,800
- Balance at 18: $23,779 (growth $11,979)
- At 4%: $17,413; at 10%: $32,919
- Same balance left alone until 65 at 7%: about $571,791
What a Trump Account is
A Trump Account is a new type of individual retirement account for children created by the 2025 tax law. It must be invested in a low-cost index fund that tracks the S&P 500 or a similar index of mostly U.S. stocks. Eligible children born from 2025 through 2028 can receive a one-time $1,000 deposit from the U.S. Treasury when an election is made. See our guide for who qualifies and how to open one.
Contribution limits to enter
Family and friends can contribute up to $5,000 per year in total for 2026 and 2027, with the limit adjusted for inflation after 2027. An employer can add up to $2,500 a year per employee, which counts toward the $5,000. The $1,000 federal pilot deposit does not count toward the limit.
Why returns are only an assumption
Stock markets rise and fall, and the account value can drop below what you put in, especially over short periods. The 7% figure is a long-run illustration, not a guarantee. Fund fees would reduce results further. The 4% and 10% scenarios show a range.
After age 18
Under the IRS guidance, money generally cannot be taken out before January 1 of the year the child turns 18, and after that the account is generally treated like a traditional IRA. Rules for withdrawals and taxes can change as regulations are finalized, so check IRS.gov for updates.
Key terms
- Pilot deposit
- The one-time $1,000 federal contribution for eligible children born 2025 to 2028.
- Form 4547
- The IRS form used to open a Trump Account and elect the pilot deposit.
- Index fund
- A fund that tracks a market index at low cost.
Frequently asked questions
How much could a Trump Account be worth at 18?
It depends on contributions and returns. With the $1,000 pilot deposit, $600 a year and a 7% return, about $23,779. Returns are not guaranteed.
What is the Trump Account contribution limit?
$5,000 per year in total for 2026 and 2027 (indexed after 2027), with employer contributions of up to $2,500 counting toward it. The $1,000 pilot deposit is outside the limit.
Who gets the $1,000 deposit?
U.S. citizen children born from January 1, 2025 through December 31, 2028 with a Social Security number, once an election is made.
Can money be withdrawn before 18?
Under IRS guidance, generally not before January 1 of the year the child turns 18.
Sources and further reading
Related calculators
Related guides
Figures in the examples are illustrative and use the inputs shown. Market rates and program rules change; confirm current terms with your lender or the linked official sources before making a decision.
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Disclaimer: This calculator provides estimates for educational purposes only and is not financial, tax, or legal advice. Results depend on the figures you enter and on simplified assumptions; actual rates, taxes, and outcomes will differ. Consult a qualified professional before making financial decisions.