Find every free dollar for your child's Trump Account.
The $1,000 government seed, employer matches, and new state and nonprofit programs – we track them all and show you yours.
Free. No Social Security numbers, no account details – ever.
federal seed for children born 2025-2028
employers with announced contributions
states with announced programs
philanthropy programs for eligible families
Every program is tracked with its source and as-of date. New programs are announced on an ongoing schedule – the counts above update as they land.
How it works
Here's the short version.
Sign up
File Form 4547 or claim in the official app – open now.
Activate
Complete the steps Treasury sends you.
Contribute
Up to $5,000 a year, employer contributions included.
It grows
A low-fee U.S. index fund, tax-deferred until 18.
What are Trump Accounts?
A new investment account for children, created by the July 2025 tax law.
- The government deposits $1,000 for eligible children born 2025-2028.
- Anyone can add up to $5,000 a year combined – employers up to $2,500 of it.
- The money sits in a low-fee U.S. index fund and grows tax-deferred.
- At 18 it becomes a traditional IRA in your child’s name.
Important dates
We're watching for updates so you don't have to.
Sign-up and activation
Open nowFile IRS Form 4547 electronically at form.trumpaccounts.gov (or with your tax return), then complete the activation steps Treasury sends you.
Contributions open
July 4, 2026You can add money now – up to $5,000 per year, with employer contributions inside the cap. The $1,000 government contribution is being deposited for eligible children.
New contribution year begins
Jan 1, 2027The annual limit resets – another $5,000 in standard contributions can be made for 2027.
Frequently asked questions
No. TrumpAccounts.com is the independent guide to Trump Accounts, from the team behind SavingForCollege.com. We translate the rules into plain English for families. For official actions, use TrumpAccounts.gov.
Family Guide to
Education Savings
How do Trump Accounts compare to 529 plans and other ways to save for education? This free guide walks through the options, side by side, so you can build the right plan for your family.
Scott Morrison
Editor · Saving For College
Never miss a match or a deadline.
New employer, state, and nonprofit programs are announced every week. We watch them all and tell you when one applies to your child.