Trump Account Growth Calculator
Project your child's Trump account (IRC section 530A) balance by age 18, including the $1,000 federal seed deposit for kids born 2025-2028, family/employer contributions up to the $5,000/year limit, and tax-deferred investment growth.
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Projected Balance at Age 18
$39,759.00
Estimated • Based on your inputs
Total Investment Growth
$20,759.00
Illustrative Balance at Age 65 (No Further Contributions)
$956,033.00
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How This Calculator Works
Calculation methodology and assumptions
A Trump account is a special type of traditional IRA (Internal Revenue Code section 530A) created by the One Big Beautiful Bill Act, opened for contributions on July 4, 2026. Children born between January 1, 2025 and December 31, 2028 receive a one-time $1,000 "pilot program" federal seed deposit. During the "growth period" (which runs from the account's creation through December 31 of the year before the beneficiary turns 18), family, friends, and employers can contribute up to a combined $5,000/year (with employer contributions individually capped at $2,500/year and excluded from the parent's taxable income), and funds must be invested in a low-cost mutual fund or ETF tracking a broad U.S. stock market index with fees no higher than 0.1%/year. No withdrawals are allowed during the growth period. This calculator compounds the federal seed deposit plus your entered annual contributions at your assumed rate of return through the end of the growth period, then separately illustrates -- with no further contributions modeled -- how that balance could continue compounding as an ordinary traditional IRA through age 65. It also splits the projected balance into the portion that's already-taxed "basis" (family/other-source contributions, which come out tax-free) versus the portion (federal seed deposit, employer contributions, and all investment growth) that's taxed as ordinary income when withdrawn, just like a traditional IRA.
How to Use This Trump Account Calculators Calculator
- 1
Enter your information
Input the required values. The calculator is pre-filled with your state's data where applicable — adjust to match your specific situation for accurate results.
- 2
Review default values
Check that the pre-filled state-specific data (tax rates, median values, etc.) matches your local situation. You can override any value to customize the calculation.
- 3
Analyze your results
Review the calculated outputs. Use the breakdown table to understand exactly how each factor contributes to the final result.
- 4
Compare across states
Use the related state calculators linked below to compare results across different states — useful for relocation planning and financial comparison.
Example Calculation
Here's a practical example using this state's data.
The calculator uses state-specific public data and documented estimates where available — including tax rates, median values, and cost benchmarks — to produce a personalized estimate for the inputs you provide.
Result: Results will vary based on your individual inputs. Use this calculator as a starting point, then adjust the values to test different scenarios. The methodology section below explains exactly how each result is calculated.
What Affects Your Results
State-Specific Inputs
Each state has unique rates, fee schedules, and regulatory requirements that can affect results. This page's methodology and source card identify which inputs are sourced, modeled, or user-adjustable.
Income Level
Many calculations are income-dependent due to progressive tax brackets, phase-outs, or income-based eligibility thresholds. Higher income doesn't always mean proportionally higher costs.
Local Variations
State averages may not reflect your specific city or county. Local taxes, fees, and market conditions can vary ±20% from state averages.
Annual Changes
Tax rates, fee schedules, and regulations change. Check the recorded source-review date and verify critical numbers with the relevant agency.
Tips & Best Practices
- Always verify pre-filled values against your actual data. State averages are a good starting point but your situation may differ significantly.
- Run multiple scenarios by adjusting key inputs to see how changes affect your results. This helps with planning and decision-making.
- Compare your results across states using the related calculators linked below — especially valuable if you're considering relocating or doing business in another state.
- Bookmark this page to recalculate periodically as rates change. Check the page source card and review date before relying on a pre-filled value.
- Consult a qualified professional for major financial decisions. These calculators provide estimates based on standard formulas — a CPA or financial advisor can factor in your complete financial picture.
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StateCalc Team
Editorial Team
The StateCalc team builds free financial calculators using data from official government sources including the IRS, U.S. Census Bureau, BLS, and state revenue departments. All formulas are validated by an automated test suite and cross-referenced against published data.
Our editorial standardsFrequently Asked Questions
What is a Trump account?
A Trump account (Internal Revenue Code section 530A) is a type of traditional IRA created by the One Big Beautiful Bill Act for children under 18. It became available for contributions on July 4, 2026. Children born 2025-2028 receive a one-time $1,000 federal seed deposit; family, friends, and employers can also contribute up to a combined $5,000/year while the child is a minor, with funds invested in a low-cost U.S. stock index fund or ETF and growing tax-deferred.
Who gets the free $1,000 Trump account deposit?
Only children who are U.S. citizens born after December 31, 2024 and before January 1, 2029 (i.e., born in 2025, 2026, 2027, or 2028) receive the one-time $1,000 federal "pilot program" seed deposit, per IRS Notice 2025-68. Children born outside that window can still have a Trump account opened for them and receive family or employer contributions, just without the free federal money.
How much can I contribute to a Trump account each year?
Family members, friends, and the account beneficiary combined can contribute up to $5,000/year (subject to cost-of-living adjustments starting in 2028). Contributions from an employer under a written "Trump account contribution program" are separately capped at $2,500/year per employee and count toward -- not on top of -- that same $5,000/year aggregate limit. The $1,000 federal pilot-program deposit does not count against this limit at all.
Can money be withdrawn from a Trump account before age 18?
No. During the "growth period" -- which runs through December 31 of the year before the beneficiary turns 18 -- no withdrawals are permitted for any reason except the beneficiary's death or a transfer to another Trump account. After the growth period ends, the account converts to an ordinary traditional IRA, subject to the standard 10% early-withdrawal penalty (with the usual IRA exceptions, such as qualified higher education expenses or a first-time home purchase) before age 59 1/2.
Is money in a Trump account taxed when withdrawn?
Yes, mostly. The federal $1,000 seed deposit, any employer contributions, and all investment growth are taxed as ordinary income when withdrawn -- just like a traditional IRA. Only contributions "from other sources" (family, friends, or the beneficiary) create tax-free "basis," meaning that portion comes out tax-free while everything else is taxable, per IRS Notice 2025-68.
What can Trump account money be invested in?
During the growth period, funds may only be invested in a mutual fund or ETF that tracks a broad index of primarily U.S. companies (such as the S&P 500), uses no leverage, and charges no more than 0.1%/year in fees -- sector-specific or leveraged funds aren't allowed, per IRS Notice 2025-68.
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