Trump Account Calculator: Projected Growth to Age 18

Trump Account Growth Calculator

Trump Accounts are new tax-advantaged savings accounts for children, created in 2025. Children born from 2025 through 2028 get a one-time $1,000 federal pilot deposit, and families can contribute up to $5,000 a year (employers up to $2,500 of that). Enter your numbers to project the balance when the child turns 18.

What a Trump Account is

Trump Accounts are new tax-advantaged savings accounts for children, created by the 2025 budget reconciliation law. Contributions opened on July 4, 2026. The money is invested in diversified stock index funds, and the child takes ownership at age 18.

The $1,000 pilot deposit

Children born from 2025 through 2028 receive a one-time $1,000 federal pilot deposit into their account. Children born outside those years get no pilot deposit, but the account still works the same way for family and employer contributions.

Contribution limits

Families can contribute up to $5,000 a year per child. Employers may contribute up to $2,500 a year of that total as a benefit. The calculator caps yearly contributions at $5,000 including employer money.

Worked example

Child born 2026, family contributes $2,000 a year, no employer contribution, 7% annual growth.

Years of growth to age 18: 18.
Pilot deposit grows to: $1,000 x 1.07^18 = $3,380.
Yearly contributions grow to: $67,999.
Projected balance at 18: $71,379.
Total contributed: $37,000; investment growth: $34,379.

Using the money

At 18, the young adult can use the account for qualified purposes such as higher education, a first home purchase, or starting a business, with favorable tax treatment. Non-qualified early withdrawals face taxes and penalties, so the account rewards letting it compound.

More 2026 money tools

The same 2025 law created other new tax breaks with their own tools: the Senior Bonus Deduction Calculator 2026 and the No Tax on Tips Calculator 2026.

This calculator is a projection, not financial advice. Growth rates are guesses, and account rules may be updated by Treasury and IRS guidance; check the current rules before contributing.

Planning estimate only. Results use the list prices shown and may differ from your actual bill. Terms

Frequently asked questions

What is a Trump Account?

A tax-advantaged children's savings account created by the 2025 budget law. Contributions opened July 4, 2026, the money is invested in diversified stock index funds, and the child takes ownership at 18.

Who gets the $1,000 pilot deposit?

Children born from 2025 through 2028 receive a one-time $1,000 federal pilot deposit. Children born outside those years can still have an account, without the pilot.

How much can be contributed each year?

Up to $5,000 a year per child, including up to $2,500 a year from an employer.

How is the money invested?

In diversified stock index funds, so the balance rises and falls with the market over the long run.

When and how can the money be used?

The child takes ownership at 18. Qualified uses such as higher education, a first home purchase, or starting a business receive favorable tax treatment; non-qualified early withdrawals face taxes and penalties.

What if my child was born before 2025?

There is no pilot deposit, but you can still open an account and contribute up to $5,000 a year; the calculator shows the projection without the $1,000.

Is the $1,000 pilot automatic?

The pilot deposit is provided by the federal government for eligible children; see current IRS guidance for the claiming details.

Is this financial advice?

No. This is a projection tool, not financial advice. Talk to a financial professional about whether the account fits your family.