Accounts are live: enrollment, activation, and contributions are open
Trump Accounts (530A)
made simple
See what your child may receive, what to do next, and how the account could grow. We explain the rules clearly and link to official sources.
- $1,000 Federal
Seed - Available to every eligible U.S. child born between 2025–2028.
- Up to
$5,000/year - Contributions from family, friends, and employers count toward the cap.
- Invests
Automatically - Money goes into a limited menu of low-cost U.S. index funds.
- Transitions
to IRA - The account can transition to a traditional IRA when the child turns 18.
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Read up before you enroll
Deadlines by Birth Year
Your child's enrollment deadline and seed eligibility, by birth year. Reference530A Rules
Every limit, deadline, and tax rule on one page, with sources. ReferenceWithdrawal Rules
When money can come out, the exceptions, and what changes at 18. GuideHow to Open an Account
A step-by-step walkthrough of Form 4547, from filing to activation. GuideDeposit Status
What to check when an approved deposit hasn't shown up yet. HelpForm 4547 Help
Fixes for the most common Form 4547 errors, rejections, and delays. GuideFor Grandparents
A simple guide to gifting, contributing, and building a brighter future. GuideFor Employers
Support your team and their families through 530A contributions. Decision GuideIs a 530A Worth It?
An honest look at when the account makes sense — and when it doesn't. Help7 Common Mistakes
Avoid missteps and help maximize your child's 530A account. TrackerState Bonus Tracker
See which states offer additional contributions and how much your child could receive. TermsGlossary
Key terms and definitions to help you understand your 530A account.The program is open now
Start with where you are
Trump Accounts began accepting contributions July 4, 2026. Your next step depends on whether you have filed Form 4547 and activated the account.
Form 4547 says “unable to process”? Check the notice in your IRS online account first. Name, birth date, SSN, eligibility timing, or an existing account can cause a mismatch.
See troubleshooting stepsWhat is a 530A account?
A Trump Account is a child-owned investment account created under Internal Revenue Code Section 530A. A parent or other authorized adult manages it until the child turns 18.
The Treasury contribution is $1,000 for eligible children born from January 1, 2025 through December 31, 2028 who are U.S. citizens with valid Social Security numbers, according to current IRS guidance. Families can open and fund accounts through the official federal portal, while employers, governments, and charitable organizations may also contribute. Treasury announced nationwide account functionality in its official launch update.
| Who can have one | U.S. citizen children with an SSN, enrolled before 18 |
|---|---|
| Federal seed | $1,000 one-time, births 2025–2028 |
| Dell gift | $250, births 2016–2024, qualifying ZIP |
| Contribution limit | $5,000/yr combined for family and employer deposits; some public and charitable deposits are exempt |
| Investment | SPYM S&P 500 ETF at launch; four more low-cost U.S. index ETFs are planned |
| Withdrawal lock | Until Jan. 1 of the year the child turns 18 |
| After 18 | Traditional IRA rules; child has full control |
What to weigh: Your child may receive starting money and years of tax-deferred growth. In return, investment choices are limited, withdrawals are restricted, and the child takes control at 18.
Free Tools for 530A accounts
Estimate growth, check eligibility, compare account types, and review taxes before you contribute or withdraw. Each tool shows the assumptions and links to the rules behind the result.
Growth Calculator
What will the account be worth at 18, 27, and 55?
Eligibility Checker
Three questions. Instant answer on the seed, the Dell gift, or both.
Dell $250 ZIP Lookup
Does your ZIP code qualify for the Dell Foundation gift?
Contribution Maximizer
Compare monthly contributions from $0 to $416 and see how starting later affects growth.
530A vs. 529
Compare taxes, access rules, control, and projected growth.
530A vs. Custodial Roth
Which wrapper fits which kid? Earned-income rules explained.
530A vs. Custodial Brokerage
Compare flexible access with contribution limits and withdrawal rules.
Withdrawal Tax Estimator
Estimate the tax bite when funds come out.
Employer & Sponsor List
Companies and foundations adding money to kids' accounts.
My Family Planner
Save your kids once. Every tool fills itself in. Stored only in your browser.
Free Guides for 530A account plans
New to 530A accounts? Start here. These guides explain how to open an account, follow the rules and deadlines, and avoid common mistakes. We update them when the IRS or Treasury publishes new guidance.
Showing all 15 guides
How to Open an Account
IRS Form 4547, step by step.
Form 4547 Troubleshooting
What to check when the IRS says it cannot process or verify the election.
Deposit Status
Why the $1,000 federal deposit or Dell $250 gift may not appear yet.
Withdrawal Rules
What changes at 18, when taxes apply, and which IRA exceptions may help.
530A Rules Reference
Every limit, deadline, and tax rule in one sourced page.
FAQ
Answers for parents, kids, and contributors.
7 Common Mistakes
The avoidable errors that cost real money, and their fixes.
Deadlines by Birth Year
Enroll-by and unlock dates for every cohort, 2008–2028.
Grandparent's Guide
How to gift into a grandchild's account, done right.
Employer's Guide
How companies set up 530A contribution programs.
State Bonus Tracker
State-level add-on programs, updated as they launch.
Glossary
Clear definitions for basis, custodian, ZCTA, and other program terms.
Program Updates
See when we last checked each rule and what changed.
Is a 530A Worth It?
When it's an easy yes, when it depends, and how to tell.
About This Site
Who we are, how the math works, and our independence.
Independent by design
Why this site exists
The official portal handles enrollment. This site helps families apply the rules to a child's birth year and a monthly budget, then compare the result with a 529 plan or custodial Roth IRA. Every calculator shows its formula and links to primary government sources.