Trump Account Calculator

Estimate what your child's Trump Account (530A) could be worth at 18 and beyond. Enter your assumptions below, then fine-tune them directly in the report.

Child's birth year

ZIP code

Contribution

($300/year)

Assumed annual return

5% 7% 10% Custom %

Your child's starting benefits

A child born in N/A

Here is what investing just $20/month could add up to after 18 years at an assumed 7% annual return

Projected account balance at age 18$0Future dollars — the estimated account balance

Buying power at age 18$0Equivalent in today’s dollars at 2.5% inflation

Invested $0 Earned $0

Ages 0–17Trump Account (530A)

Age 18+Traditional IRA rules

Age 18+ projections assume the balance stays invested, with no added contributions or withdrawals.

For comparison

The power of compounding

Same seed, same return, three contribution levels, shown at the age selected above.

–$0/yr at 7%

–$20/mo ($250/yr) at 7%

–$417/mo ($5,000/yr) at 7%

Contributed vs. growth

Age	Yearly Contributions	Total contributed	Market growth	Growth %	Estimated value

How this Trump Account calculator works

This tool uses the standard future-value formula with monthly compounding:

FV = P(1 + i)ⁿ + PMT × [((1 + i)ⁿ − 1) / i]

In this formula, P is the starting balance, PMT is the monthly contribution, i is the monthly rate, and n is the number of months until age 18. The projection assumes that contributions stop at 18 and the balance remains invested. This is why the age-55 estimate can be much higher than the age-18 estimate.

What is a Trump Account (530A)?

530A accounts, created under the One Big Beautiful Bill Act and officially marketed by the federal government as "Trump Accounts," launched July 4, 2026. Every eligible U.S. citizen child born between 2025 and 2028 receives a one-time $1,000 deposit from the U.S. Treasury, and children born 2016–2024 in qualifying ZIP codes may receive a $250 gift from the Dell Foundation (check yours with our ZIP lookup). Personal and employer contributions share a $5,000 annual cap; personal deposits are after-tax, while qualifying employer contributions can be excluded from employee income. Funds default to an S&P 500 index ETF and generally remain locked until the year the child turns 18. See the Treasury launch update and enrollment details at the official federal portal.

Reading your results

The age 18 figure estimates the balance when your child gains control. The age 27 and age 55 tabs show the estimated balance with no new deposits after age 18. The comparison shows three contribution levels: $0, $250 a year, and $5,000 a year. At a 7% return, contributing $100 a month from birth could add about $43,000 in deposits and growth by age 18, in addition to the federal seed.

Your results show both measures together. The future balance is the estimated account value at the selected age. Today’s buying power estimates what that balance could buy now by dividing it by (1 + expected inflation)^{years from today}. The chart selector changes only the chart values; it does not change either headline estimate. The default 2.5% inflation rate is a planning assumption, not a prediction, and the investment return remains a separate nominal assumption.

Keep two limits in mind. The calculator uses a steady return, but actual market returns change from year to year. Withdrawals may also be taxed as ordinary income minus after-tax basis, and an additional 10% tax may apply before age 59½. Review the withdrawal rules, use the tax estimator, compare the account with a 529 plan, or confirm benefits with the eligibility checker.

Estimates are for educational purposes only and are not investment, tax, or legal advice. Assumed returns are hypothetical and not guaranteed. Program rules current as of August 6, 2026. Verify at IRS.gov.