Trump Account Benefits Calculator

Child Information

Date of Birth

State of Residence

Determines available state & regional grant programs.

ZIP Code

Employer

▼ ✕

View all employer grants ↓

Total One-Time Grants Applied

Enter child's birth date to calculate

Grant & Contribution Eligibility

Eligibility Summary

Enter a date of birth above to see eligibility details.

Annual Contributions

Annual Family Contribution ($)

After-tax dollars; withdrawn tax-free. Cap: $5,000/yr total (family + employer).

Contribution Age Window: Ages 0 → 18

Age 0Age 30

Growth still compounds outside the window — contributions just pause.

Forecast Settings

Expected Annual Return: 7%

3% Conservative7% Moderate14% Aggressive

Project Growth To Age

Projected Account Value

Year-by-Year Breakdown

Year	Age	Contributions Added	Cumul. Contributed	Account Value

Employer Grant Directory

All known employer one-time seed grants for Trump Accounts. Use the search to filter.

Employer	Grant Amount	Eligibility	Contribution	Notes

Tax Treatment Guide

Contribution Type	Annual Limit	Tax Deductible?	Withdrawal Tax
Federal Seed Deposit	$1,000 one-time (birth 2025–2028)	N/A	Ordinary Income
Family / After-Tax Contributions	Up to $5,000 combined	No	Tax-Free
Recurring Employer Contributions	Up to $2,500/yr (within $5,000 cap)	Tax-free to employee	Ordinary Income
Investment Earnings / Growth	—	Tax-deferred	Ordinary Income
Philanthropic / Employer Seed Grants	Exempt from $5,000 annual cap*	N/A	Ordinary Income
Early Withdrawal (before age 18)	Generally prohibited

* Contributions from 501(c)(3)s, state/tribal governments, and qualifying philanthropic grants do not count against the $5,000 annual family contribution limit.

Disclaimer: This calculator is for informational and educational purposes only, based on publicly available information about the One Big Beautiful Bill Act (OBBBA) as of February 2026. Account availability begins July 4, 2026. Grant programs are pledges — amounts, eligibility criteria, and distribution processes may change. Figures are illustrative estimates; actual results depend on market performance, legislative changes, and individual circumstances. Consult a qualified financial advisor or tax professional before making financial decisions.

Sources: IRS Trump Accounts • trumpaccounts.gov • Americans for Tax Reform — Contributors List • SavingForCollege — 50 State Challenge • CNBC — Dalio, BlackRock, BNY • CNBC — Gerstner / Indiana