A thousand dollars, compounded
Method
Check the $1,000 federal seed eligibility, add your own yearly contributions, and watch tax-deferred compounding do the rest. Pure arithmetic, nothing stored.
Eligible for the $1,000 federal seed deposit. Accounts open July 4, 2026.
Balance at age 18
$64,839
Contributed
$35,000
Growth (tax-deferred)
$29,839
Accounts open 2026 · seed $1,000 · cap $5,000/yr
Estimate only — not legal or tax advice. Figures are based on the rules as published; your situation may differ. Confirm with the source below.
Rules last updated: June 29, 2026 · irs.gov ↗
What is a Trump Account?
Trump Accounts were created by the One Big Beautiful Bill Act in 2025. Every U.S.-citizen child born between 2025 and 2028 receives a one-time $1,000 federal deposit, and families can contribute up to $5,000 a year on top of it. The money is invested in low-cost index funds and grows tax-deferred — a head start on long-term saving that starts the day the account opens.
How the projection works
The calculator compounds your starting balance each year at the return rate you choose, then adds your yearly contribution. So a balance grows as last year's total × (1 + return) + this year's contribution. The chart traces that balance from your child's current age to the target age.
A worked example
Start with the $1,000 seed, add $2,000 a year, assume a 7% average return, and project to age 18. The account ends near $70,000 — of which roughly half is growth the family never contributed. Lowering the contribution or the return shrinks the total quickly, which is the real lesson: time in the market is the main lever.
Who qualifies for the $1,000 Trump Account seed?+
Children who are U.S. citizens born between January 1, 2025 and December 31, 2028 receive a one-time $1,000 federal contribution. Children outside that window can still have an account, just without the federal seed.
When can I open a Trump Account?+
Accounts begin opening July 4, 2026. The $1,000 seed for eligible children is deposited by the Treasury; families can then add contributions.
How much can I contribute each year?+
Contributions are capped at $5,000 per year (indexed in future years). The money is invested in low-cost index funds and grows tax-deferred.
When can the money be withdrawn?+
Funds are generally meant to stay invested until the child reaches adulthood, with the account converting to a traditional-IRA-style structure. Early withdrawals follow retirement-account rules, so treat this as a long-term account.
How is a Trump Account different from a 529 plan?+
A 529 is for education and grows tax-free for qualified education costs. A Trump Account is a general tax-deferred investment account seeded by the federal government, with broader (retirement-style) eventual use. Many families will use both.
Is this calculator accurate?+
It uses standard compound-growth math with the statutory $1,000 seed and $5,000 annual cap. Real returns vary year to year, so treat the projection as an estimate, not a guarantee.