Projected value from birth to age 65 · Assumes 7% annual return by default
Trump Accounts are available for U.S. citizen children under age 18. The account converts to a traditional IRA when the child turns 18.
Available to U.S. citizens born before 2025 in ZIP codes with median household income ≤ $150,000.
The total seed deposit is applied as a one-time contribution in year 1 and can reach up to $6,000: a $5,000 cap on your contributions (personal + corporate match) plus the $1,000 gov't seed on top. Philanthropic gifts also stack on top of the cap. Only U.S. citizens born Jan 1, 2025 – Dec 31, 2028 with a valid SSN qualify for the $1,000 government contribution.
Max $5,000/year (inflation-indexed after 2027). Employers may contribute up to $2,500 pre-tax via Section 125 cafeteria plan.
Historical S&P 500 long-term average is ~7% after inflation. Actual returns will vary year to year.
Pay taxes now on a smaller balance, then every dollar of future growth is tax-free at retirement — often saving far more than the one-time conversion cost.
The Value at 65 above is now tax-free — you already paid at 24. Without Roth, you'd see a higher number, but you'd owe taxes on every retirement withdrawal.
They are long-term investment accounts the U.S. Treasury starts for every child at birth. Each account, known as a Trump Account, begins with a public contribution and can grow over time with added contributions from friends, family, employers, and charitable organizations, plus market growth. The money is managed for you and can't be taken out early, so it stays invested as the child grows up. By the time they turn 18, it gives young people a real financial head start as they make big life decisions.
All U.S. children under age 18 with a valid Social Security Number are eligible to establish a Trump Account.
Anyone can contribute to an account. Parents, family, and friends can add up to $5,000 per year to a child's account. Employers can contribute up to $2,500 per year, and that amount counts toward the $5,000 annual limit. Donors, as well as state and local governments, can also contribute to these accounts. Their contributions are meant to add extra support and don't count against the annual limit.
Parents and guardians can elect to open Trump Accounts for their eligible children.
Funds in a Trump Account are locked until the child turns 18. This protects the savings and gives it time to grow.
Once the account holder becomes an adult, they can use the money without penalty for major life milestones, including:
Any money not used stays in the account and continues to be invested and grow over time, providing both an early boost at age 18 and long-term financial security later in life.
Early investment matters because money grows with time through compound growth. That means the money earned from investments starts earning money too, so the longer it stays invested, the more it grows. Research also shows that having assets early in life is linked to better education, stronger money habits, and better choices in adulthood.
Hypothetical illustration only. Assumes contributions made throughout the year, reaching the annual cap at year-end (no in-year growth on that year's contributions). Returns not guaranteed. Taxes, fees, and inflation not reflected unless Roth conversion is toggled. The $5,000 annual limit applies across family/friends and employer contributions combined. Withdrawals before age 59½ may be subject to a 10% penalty.