Trump Account calculator
How much could your child's account be worth at 18? Adjust the inputs — the projection updates instantly. Illustration only: markets don't grow in a straight line, and program rules aren't final yet.
Children born 2025–2028 (U.S. citizens with SSN) get the $1,000 federal seed, included automatically.
$1,200/yr
$0/yr
7%
~7% is roughly the long-term U.S. stock market average after inflation. Try 5% and 9% to see the range.
Projected balance at age 18
$0
Where it comes from
Growth over time
Year-by-year table
| Age | Year | Contributions that year | Balance |
|---|
Assumptions & limitations
- Contributions are modeled at the start of each year; growth compounds once a year at a constant rate.
- Figures are before fees, taxes, and inflation. Under proposed rules, fund fees are capped at 0.10%.
- The $5,000 annual cap is scheduled to be inflation-adjusted after 2027 — this model holds it flat (conservative).
- Real returns vary year to year; a constant 7% will not happen in practice. This is a planning illustration, not a prediction or guarantee.
- Program rules (including tax treatment and the seed-deposit claim process) are not final. Last verified Oct 10, 2026.