How it works
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Check eligibility
Any child under 18 with a Social Security number can have an account. The $1,000 federal seed is reserved for U.S.-citizen children born Jan 1, 2025 – Dec 31, 2028. Check in 60 seconds →
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Open and fund the account
Accounts are established through participating trustees (Robinhood is the initial trustee for new accounts, per current guidance). Parents elect the $1,000 pilot deposit via IRS Form 4547; family and employers can contribute up to the annual limits. See the steps →
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Let it compound until 18
During the growth phase the money must stay in low-cost diversified index funds — no withdrawals allowed. In the year the child turns 18, the account converts to traditional-IRA rules. Project the growth →
Free tools
Growth calculator
Enter birth year, annual contributions, and expected return. See the projected balance at 18, broken down into seed money, your contributions, and compound growth — with a year-by-year table.
Open calculator →Eligibility checker
Answer four quick questions: does your child qualify for the $1,000 seed, the account itself, or the Dell family's $250 pledge? Plain-English verdict with next steps.
Check eligibility →Trump Account vs 529
Saving for college? For retirement? The two accounts serve different goals. Side-by-side comparison of limits, taxes, withdrawals, and when each one wins.
Compare →How to open an account
Timeline, required forms, and what to watch out for — including how scammers are already impersonating the program.
See the steps →Key facts, verified
- ✓$1,000 seed: one-time federal deposit for U.S.-citizen children born 2025–2028 with a valid SSN, elected by a parent/guardian.
- ✓$5,000/year limit: combined cap on contributions from family, friends, and others; employer contributions count within a $2,500 sub-limit.
- ✓Investment rule: during the growth years, funds must be in low-cost diversified index funds (fee cap 0.10% under proposed rules).
- ✓Age 18 conversion: the account becomes subject to traditional-IRA rules in the calendar year the child turns 18.
- ✓Dell pledge: Michael & Susan Dell pledged $250 per child for ~25 million children (announced Dec 2025) — private philanthropy, ZIP-code income criteria still being rolled out.
- ?Still pending: final IRS/Treasury rules, FAFSA treatment of the account, and the deadline to claim the $1,000 seed. We mark these TBD everywhere rather than guessing.
Sources: U.S. Department of the Treasury and IRS guidance on IRC §530A Trump Accounts. Last verified Oct 10, 2026.