What will a Trump account grow to?
Type your child’s birth year, what the family and an employer will add each year, and an expected return. The answer is what the Trump account could hold when the child turns 18.
- Balance when the child turns 18
- $37,157.85
Adding $1,000.00 a year at 7% a year, the Trump account reaches $37,157.85 when the child turns 18.
- Family and employer contributions
- $18,000.00
- Pilot deposit
- $1,000.00
- Growth
- $18,157.85
- Years
- 18
Balance when the child turns 18: $37,157.85. Adding $1,000.00 a year at 7% a year, the Trump account reaches $37,157.85 when the child turns 18.
How does the account grow?
What does each year look like?
The results are estimates for information only. They are not financial, tax, or legal advice. Check the numbers with your lender or a qualified professional before you decide. Terms of use
How to calculate
Projects a child’s Trump account to age 18: the $1,000 pilot deposit for children born 2025 to 2028, yearly family and employer contributions up to $5,000, and growth at the return you choose.
Example with the default inputs (Child’s birth year 2026, US citizen with a Social Security number Yes, Family contribution each year $1,000.00, Employer contribution each year $0.00, Expected yearly return 7%): Adding $1,000.00 a year at 7% a year, the Trump account reaches $37,157.85 when the child turns 18.
Method: Each calendar year from 2026 (or the birth year, if later) to the year before the child turns 18: balance = last balance × (1 + return) + family contribution + employer contribution, plus the $1,000 pilot deposit in the first year for a citizen born 2025 to 2028. The answer is the balance at the end of the last year.
- Contributions and the pilot deposit go in at the end of each year; the first year is 2026, as no contribution can be made before July 4, 2026.
- The $5,000 and $2,500 limits are those for 2026 and 2027; they are indexed after 2027, and the projection keeps the amounts you type.
- Gifts from charities and governments (qualified general contributions) and rollovers are not limited and not included. The return stays the same every year; fees are inside it.
- After the growth period the account follows the traditional IRA rules: withdrawals of earnings are taxed. A projection, not financial or tax advice.
Worked examples
Each example is checked against the calculator on every build.
- Child’s birth year 2026, US citizen with a Social Security number yes, Family contribution each year $5,000.00, Employer contribution each year $0.00, Expected yearly return 0% gives Balance when the child turns 18 $91,000.00, Family and employer contributions $90,000.00, Pilot deposit $1,000.00.Source: IRS Notice 2025-68: $1,000 pilot deposit (born 2025 to 2028), $5,000 a year from 2026 to 2043, growth period ends January 1, 2044
- Child’s birth year 2026, US citizen with a Social Security number yes, Family contribution each year $1,000.00, Employer contribution each year $0.00, Expected yearly return 7% gives Balance when the child turns 18 $37,157.85, Family and employer contributions $18,000.00.
- Child’s birth year 2020, Family contribution each year $2,000.00, Employer contribution each year $0.00, Expected yearly return 5% gives Balance when the child turns 18 $31,834.25, Pilot deposit $0.00, Family and employer contributions $24,000.00.
How it works
- First year = 2026 (the first year contributions are allowed, from July 4, 2026), or the birth year if later. Last year = birth year + 17: the growth period ends on January 1 of the year the child turns 18.
- Pilot deposit: $1,000 in the first year, if the child is a US citizen with a Social Security number and was born from 2025 to 2028.
- Each year from the first to the last: growth = balance × return; then the year's contributions (family + employer, plus the pilot deposit in the first year) are added at the end of the year. Balance = last balance + growth + contributions.
- The answer is the balance at the end of the last year, the value on January 1 of the year the child turns 18.
- Family + employer must be at most $5,000 a year, and employer at most $2,500.
Growth = final balance − contributions − pilot deposit. The return is the one you type, the same every year; nothing is fetched.
When the data is out of date
The $5,000 and $2,500 limits are set for 2026 and 2027 and are indexed after that. After 2027 the page keeps using them and says so above the result.
Worked examples by hand
Born in 2026, $5,000 a year, 0% return. Years 2026 to 2043: 18 years. 18 × 5,000 + 1,000 = $91,000.
Born in 2026, $1,000 a year, 7%. Year-end deposits for 18 years grow to 1,000 × (1.07¹⁸ − 1) ÷ 0.07 = $33,999.03, and the $1,000 pilot deposit from the end of 2026 grows for 17 years to 1,000 × 1.07¹⁷ = $3,158.82. Total $37,157.85.
Born in 2020, $2,000 a year, 5%. No pilot deposit. Years 2026 to 2037: 12 years. 2,000 × (1.05¹² − 1) ÷ 0.05 = $31,834.25.
Other questions people ask
What is a Trump account?
A new kind of individual retirement account for children, created by the 2025 tax law (IRC section 530A). Money is invested in low-cost US stock index funds and cannot be taken out before the year the child turns 18. After that, it follows the rules of a traditional IRA.
Who gets the $1,000 pilot deposit?
A US citizen child with a Social Security number born after December 31, 2024 and before January 1, 2029 (IRS Notice 2025-68). A parent elects it, and the Treasury deposits $1,000 into the child’s account. It does not count toward the yearly limit.
How much can be added each year?
Up to $5,000 a year in total from family and others, for 2026 and 2027; the limit is indexed after 2027. An employer can add up to $2,500 a year for an employee’s child, within the $5,000. Gifts from charities or governments to groups of children are not limited.
When can contributions start?
No contribution can be made before July 4, 2026. Contributions stop at the end of the growth period, on January 1 of the year the child turns 18.
What can the account invest in?
Only mutual funds or exchange-traded funds that track an index of mostly US companies, do not use leverage, and have yearly fees and expenses of 0.1% or less.
Is the money taxed?
It grows without yearly tax. After the growth period, withdrawals follow the traditional IRA rules: earnings, and contributions that were not taxed (like employer contributions), are taxed when withdrawn, and early withdrawals can owe a 10% additional tax unless an exception applies.