Trump Account Calculator (530A)
See how your child's Trump Account could grow from the $1,000 government seed to age 18 and beyond. Enter your planned annual contributions and expected return rate to project the account balance over time.
What Is a Trump Account (Section 530A)?
A Trump Account is a new tax-advantaged IRA for children created by the One Big Beautiful Bill Act. The federal government deposits $1,000 into the account for every eligible child born between January 1, 2025 and December 31, 2028. Families can contribute up to $5,000 per year, and employers can add up to $2,500 per employee through cafeteria plans. Contributions open July 5, 2026.
Key Rules and Limits
Trump Account Quick Reference (2026)
- Government seed: $1,000 per eligible child
- Eligible births: January 1, 2025 – December 31, 2028
- Annual family contribution limit: $5,000 (indexed for inflation)
- Employer contribution limit: $2,500 per employee
- Contributions open: July 5, 2026
- Investments: U.S. stock index funds/ETFs only (max 0.1% fee)
- Growth period: birth to age 18 (no withdrawals)
- After 18: follows traditional IRA rules, can convert to Roth
- Early withdrawal penalty: 10% before age 59½
Growth Projections from TrumpAccounts.gov
The official Trump Accounts website projects the following balances at age 18, assuming average market returns:
- $1,000 seed only, $0/year additional: $5,800
- $1,000 seed + $250/year: $20,700
- $1,000 seed + $5,000/year (max): $303,800
After Age 18: Your Options
When the child turns 18, the account transitions to a standard IRA. Options include converting to a Roth IRA (pay taxes now, grow tax-free), rolling into a 401(k), 403(b), or 457(b), transferring to an ABLE account (during year the child turns 17), or taking distributions for any purpose (subject to income tax and potential 10% penalty before 59½).