Child Information
Grant & Contribution Eligibility
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Eligibility Summary
Enter a date of birth above to see eligibility details.
Annual Contributions
Forecast Settings
Projected Account Value
Year-by-Year Breakdown
| Year | Age | Contributions Added | Cumul. Contributed | Account Value |
|---|
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 Trump Accounts as of March 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