Trump Account calculator
See how a Trump Account (530A) could grow with a hypothetical illustration. Enter a child's birth year and yearly contributions, and this independent tool shows an illustrated balance at age 18 – with the $1,000 federal seed, employer contributions, and assumed growth broken out. Every figure is hypothetical and for illustration only.
Your inputs
Born 2025-2028: eligible for the one-time $1,000 federal seed for U.S.-citizen children with a Social Security number.
Up to $5,000 per year, shared with any employer contribution below.
Up to $2,500 per year, counted within the $5,000 annual cap.
Assumed rates for illustration only – not a prediction and not a recommendation of any investment. Real returns vary year to year and can be negative.
Illustrated balance at age 18
$64,666
A hypothetical illustration at an assumed 6% annual return, before any fees or taxes. Not a prediction of what any account will hold.
Includes the one-time $1,000 federal seed, which eligible families still need to sign up to receive – this illustration assumes it is received.
| Source | Amount |
|---|---|
| Federal seed – if eligible and received | $1,000 |
| Your contributions | $36,000 |
| Employer contributions | $0 |
| Assumed growth | $27,666 |
| Illustrated balance at 18 | $64,666 |
What this illustration assumes
- $2,000 from your family every year until your child turns 18 (18 years).
- A steady 6% annual return. Real returns vary year to year and can be negative.
- The $5,000 annual cap held constant. The law indexes it for inflation after 2027.
- No fees or taxes are deducted.
- The one-time $1,000 federal seed is included and assumed received, per the 2025-2028 birth window.
This is general information, not tax, legal, or financial advice, and results can differ materially from any illustration. Consider talking to a financial or tax professional about your situation.
How this illustration works
The calculator starts from the rules this site tracks: a one-time $1,000 federal seed for U.S.-citizen children born 2025-2028 with a Social Security number, up to $5,000 a year in combined contributions, and up to $2,500 a year of that from an employer. It grows the seed and your contributions to age 18 at a single assumed annual return that you choose, and it splits the result into seed, family, employer, and assumed growth.
It is a simplified illustration, not a forecast. It uses one steady return rather than the ups and downs of a real market, holds the $5,000 cap constant even though the law indexes it for inflation after 2027, and does not deduct fees or taxes. Nothing here is tax, legal, or financial advice, and no investment or rate of return is recommended. Results can differ materially from any illustration and can be negative, so consider talking to a financial or tax professional about your situation.
See which real programs your child may qualify for – the $1,000 federal seed, employer matches, and state and nonprofit contributions.
Find your matchesFrequently asked questions
How much can go into a Trump Account each year?
Up to $5,000 per year total, combined across family and employer contributions. An employer can contribute up to $2,500 of that amount, counted within the same $5,000 annual cap. The one-time $1,000 federal seed is separate from the annual cap.
Does every child get the $1,000 federal seed?
No. The one-time $1,000 federal contribution is for U.S.-citizen children born 2025-2028 who have a Social Security number. A child born outside that window can still have the account and receive annual contributions, but without the seed – the calculator reflects that difference when you change the birth year.
What rate of return does the calculator assume?
You choose one of three assumed annual returns – 4%, 6%, or 8% – shown for illustration only. They are round figures for a hypothetical illustration, not predictions, and the calculator does not endorse any rate or recommend any investment.
Is this what my child's account will actually be worth?
No. It is a hypothetical illustration based only on the numbers you enter and a single steady assumed return. Real returns vary year to year and can be negative, and the figure does not deduct any fees or taxes. Treat it as a way to picture how contributions and time interact, not as a forecast.
Can my family and an employer both contribute?
Yes. Family and employer contributions share one $5,000 annual cap, and an employer can add up to $2,500 of it. When the amounts you enter would exceed $5,000 combined, the calculator holds the total to the cap and shows how it splits.
TrumpAccounts.com is the independent guide to Trump Accounts (530A), from the team behind SavingForCollege.com. The figures above are hypothetical illustrations, not predictions. Learn more on our About page, compare the accounts on our Trump Account vs. 529 page, or see our Disclosures for full legal detail.