Trump Accounts must be invested in low-cost U.S. stock index funds until the child turns 18, after which they follow traditional IRA rules. Children born from 2025 to 2028 who are U.S. citizens can receive a one-time $1,000 federal deposit. Contributions can start from July 4, 2026. Check IRS guidance for current rules.
How to use the Trump Accounts Calculator
- Child’s age
- Eligible for the $1,000 pilot deposit (born 2025–2028)?
- Family contributions per year
- Employer contributions per year
- Expected annual return
- Inflation
Results update as you type, and every field accepts the units shown in its menu.
How it works
Enter the child’s age, whether they get the $1,000 pilot deposit, yearly contributions from family and employer, the expected return and inflation.
Tips
- Use your real spending from bank statements rather than guesses.
- Automate savings so they happen before you spend.
- Revisit your plan once a year or after any big life change.
- Keep an emergency fund before investing for long-term goals.
Common mistakes to avoid
- Underestimating irregular expenses such as car repairs, gifts and annual bills.
- Ignoring inflation for long-term goals.
- Taking on high-interest debt to fund wants.
Inputs explained
| Field | What to enter |
|---|---|
| Child’s age | A number |
| Eligible for the $1,000 pilot deposit (born 2025–2028)? | Choose one: Yes, No |
| Family contributions per year | Amount in your currency |
| Employer contributions per year | Amount in your currency |
| Expected annual return | In % |
| Inflation | In % |
What each result means
- Years until 18 = 18 – [Child’s age]
- Yearly contribution (capped at $5,000) = min([Family contributions per year] + [Employer contributions per year], 5000)
- Balance at age 18 = [Eligible for the $1,000 pilot deposit (born 2025–2028)?]×(1 + [Expected annual return]÷100)^[Years until 18] + fvc([Expected annual return]÷100, [Years until 18], 0, [Yearly contribution (capped at $5,000)])
- Total contributions (incl. pilot deposit) = [Eligible for the $1,000 pilot deposit (born 2025–2028)?] + [Yearly contribution (capped at $5,000)]×[Years until 18]
- Investment growth = [Balance at age 18] – [Total contributions (incl. pilot deposit)]
- Balance in today’s money = [Balance at age 18]÷(1 + [Inflation]÷100)^[Years until 18]
- Value at 65 if left invested = [Balance at age 18]×(1 + [Expected annual return]÷100)^47
Formula
Balance at 18 = seed × (1 + r)^n + yearly contributions × ((1 + r)^n − 1) ÷ rn = 18 − child's ageContributions: up to $5,000 a year (indexed), employer up to $2,500 within that limitWorked example
Inputs — Child's age: 0; Eligible for the $1,000 pilot deposit (born 2025–2028)?: Yes; Family contributions per year: $2,000; Employer contributions per year: $0; Expected annual return: 7 %; Inflation: 2.5 %.
Results — Years until 18 = 18; Yearly contribution (capped at $5,000) = $2,000.00; Balance at age 18 = $71,378.00; Total contributions (incl. pilot deposit) = $37,000.00; Investment growth = $34,378.00; Balance in today's money = $45,765.14; Value at 65 if left invested = $1,716,334.41.
Frequently asked questions
What is a Trump Account?
A tax-deferred investment account for children under Section 530A of the tax code.
Who gets the $1,000?
U.S. citizen children born from January 1, 2025 through December 31, 2028, under the pilot program.
How much can be contributed?
Up to $5,000 a year from family (indexed for inflation), including up to $2,500 from an employer.
What formula does the Trump Accounts Calculator use?
Balance at 18 = seed × (1 + r)^n + yearly contributions × ((1 + r)^n − 1) ÷ r.