Trump Account Calculator
Calculate how much a Trump Account will be worth at 18. Model the $1,000 federal seed deposit, simulate monthly contributions up to $5,000/yr, and calculate 18-year compound growth.
$1,000 Federal Seed Eligibility Checker
Statutory qualification window: Born Jan 1, 2025 – Dec 31, 2028 with US Citizenship & SSN.
Cohort window: 2025–2028
Savings & Contribution Inputs
Compounded MonthlyAutomatically set to the statutory $1,000 federal grant.
Projected Balance Milestones
Illustration Only — Not Financial Advice: Projections represent hypothetical mathematical compound interest models based on published legislative guidelines. Past market returns do not guarantee future results. Speculative social media claims regarding private stock or company share distributions are unconfirmed by the US Department of the Treasury.
Year-by-Year Compound Growth Schedule
Detailed yearly progression of family principal deposits, interest earned, and year-end balance.
| Child Age | Calendar Year | Annual Deposit | Cumulative Principal | Interest Earned | Year-End Balance |
|---|---|---|---|---|---|
| Age 2 | 2027 | $1,200 | $2,200 | +$119 | $2,319 |
| Age 3 | 2028 | $1,200 | $3,400 | +$214 | $3,733 |
| Age 4 | 2029 | $1,200 | $4,600 | +$316 | $5,249 |
| Age 5 | 2030 | $1,200 | $5,800 | +$426 | $6,875 |
| Age 6 | 2031 | $1,200 | $7,000 | +$543 | $8,619 |
| Age 7 | 2032 | $1,200 | $8,200 | +$670 | $10,488 |
| Age 8 | 2033 | $1,200 | $9,400 | +$805 | $12,493 |
| Age 9 | 2034 | $1,200 | $10,600 | +$950 | $14,642 |
| Age 10 | 2035 | $1,200 | $11,800 | +$1,105 | $16,947 |
| Age 11 | 2036 | $1,200 | $13,000 | +$1,272 | $19,419 |
| Age 12 | 2037 | $1,200 | $14,200 | +$1,450 | $22,069 |
| Age 13 | 2038 | $1,200 | $15,400 | +$1,642 | $24,911 |
| Age 14 | 2039 | $1,200 | $16,600 | +$1,847 | $27,959 |
| Age 15 | 2040 | $1,200 | $17,800 | +$2,068 | $31,226 |
| Age 16 | 2041 | $1,200 | $19,000 | +$2,304 | $34,730 |
| Age 17 | 2042 | $1,200 | $20,200 | +$2,557 | $38,487 |
| Age 18 | 2043 | $1,200 | $21,400 | +$2,829 | $42,516 |
Trump Account vs. 529 College Savings Plan vs. Custodial UTMA/UGMA
How federal child savings accounts compare to traditional US college savings vehicles.
| Feature | Trump Account | 529 College Plan | Custodial (UTMA/UGMA) |
|---|---|---|---|
| Federal Seed Money | $1,000 (2025–2028 births) | $0 | $0 |
| Annual Contribution Limit | $5,000 / year | State-specific ($235k–$550k aggregate) | No limit ($18k gift tax exclusion) |
| Allowable Distributions | College, first home, business startup, Roth rollover | Strictly qualified education (tuition, room/board) | Any purpose benefiting the minor |
| Control at Age 18 | Transfers to child (for qualified uses) | Parent maintains ownership | Child assumes unrestricted control |
| Tax Treatment | Tax-sheltered compound growth | Tax-free growth for qualified education | Subject to annual "Kiddie Tax" limits |
Trump Account Guide: Eligibility, Contribution Rules & 18-Year Scenarios
Read our full editorial guide on the October 2026 auto-enrollment rollout and tax considerations.
Frequently Asked Questions about Trump Accounts
Accurate answers regarding qualification criteria, annual contribution caps, compound interest, and eligible withdrawals at 18.
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