Trump Account planner

What could your child's account grow to?

Add the deposits your child gets and what family and an employer put in. Your child's future card updates as you type. Print it for the baby book or share it with family.

Child's first name optional, for the card

Year born

Month

Deposits $1,000 Treasury pilotFor children born 2025 to 2028, once a parent files Form 4547. $250 Dell giftFor children born 2016 to 2024 in ZIP codes with a median income of $150,000 or less.

Family adds each month parents, grandparents, anyone

Birthday gift each year for example from grandparents

Employer puts in each year up to $2,500

Growth assumption

Family and employer money together are capped at $5,000 a year per child, and the planner applies that cap. The fund fee is set at the 0.1% maximum the law allows.

A future card for

your child

by December 31, 2043

Gifts$0

Added$0

Growth$0

$0 in today's dollars · $0 if it stays invested to 65

investamerica.net

A projection, not a promise. Markets go down as well as up, and the rules may change. Growth runs until December 31 of the year your child turns 17, when contributions stop and the account becomes a traditional IRA. Not affiliated with the U.S. government.

Year by year

How the planner works

The growth period. Money can go in until December 31 of the year the child turns 17. After that the account follows traditional IRA rules.
Deposits. The $1,000 pilot and the Dell gift go in at the start and do not count toward the yearly limit.
The yearly limit. Family, friends and employer money share a $5,000 limit per child per year (indexed for inflation after 2027). An employer can give up to $2,500 per employee, tax free.
Investments. Accounts must hold low cost funds that track a U.S. stock index, with fees of 0.1% a year or less. The planner takes the full 0.1% off your growth assumption.
Today's dollars. We divide by 2.5% inflation a year so you can compare the result with what money buys now.

Want the full picture first? Read the Trump Accounts guide.