Trump Account Calculator

US-citizen children born after 31 December 2024 and before 1 January 2029 who have a Social Security number. The statute is 26 USC 6434; one election per child.

Up to $5,000 a year from all non-exempt sources combined, indexed for inflation after 2027. Employers can contribute up to $2,500 per employee, and that counts within the $5,000. The $1,000 seed and qualifying charity or government contributions do not count toward the limit.

Not before 1 January of the calendar year in which the child turns 18. After that the account is generally treated as a traditional IRA, so normal IRA tax and withdrawal rules apply.

Until the end of the year the child turns 17, only mutual funds or ETFs that track an index of mainly US companies, with yearly fees of no more than 0.1%. At launch every contribution went into the State Street SPDR Portfolio S&P 500 ETF (SPYM).

Treasury said on 1 October 2026 that automatic enrolment was complete, so every eligible child under 18 with a valid Social Security number now has an account. A parent or guardian must claim it in the official app to manage it and receive the $1,000 seed.