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.
How Trump Account Calculator (530A) Works
Calculate how much your child's Trump Account (530A) could grow. calculator with $1,000 government seed and $5,000 annual limit. Enter your values into the form above and the calculator processes them instantly in your browser — no data is sent to any server.
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).
Tips for Getting Accurate Results
For the most accurate results, use up-to-date numbers from official sources. Double-check your inputs before calculating — small errors in the starting values can lead to significantly different outputs. If you are comparing scenarios, keep all variables the same except the one you are testing. Save or screenshot your results for future reference. This calculator uses standard formulas and is designed to give you a reliable quick estimate, though professional advice may be needed for complex situations.