Trump Account Calculator
Project a Trump Account from today to your child's 18th birthday: the $1,000 federal seed (children born 2025–2028), your contributions up to the $5,000 annual cap, and index-fund growth with dividends reinvested. Assumptions are yours to change — nothing here is a guarantee.
Inputs
Born 2025–2028: includes the $1,000 federal seed contribution.
Legal cap: $5,000/year (indexed after 2027). Employers may add up to $2,500 within the cap.
US large-cap index funds averaged ~10%/yr over the long run, dividends reinvested. Not guaranteed.
S&P 500 funds yield ~1.2–1.4%. Dividends stay inside the account and are part of total return — this input just shows you the dividend slice.
Value at 18
$130,958
Total Contributed
$46,000
Market Growth
$84,958
Dividends at 18 (per yr)
$1,702
Year by Year
| Age | Contributed | Dividends / Yr | Balance |
|---|---|---|---|
| 0 | $1,000 | $13 | $1,000 |
| 1 | $3,500 | $50 | $3,850 |
| 2 | $6,000 | $91 | $6,985 |
| 3 | $8,500 | $136 | $10,434 |
| 4 | $11,000 | $185 | $14,227 |
| 5 | $13,500 | $239 | $18,400 |
| 6 | $16,000 | $299 | $22,989 |
| 7 | $18,500 | $364 | $28,038 |
| 8 | $21,000 | $437 | $33,592 |
| 9 | $23,500 | $516 | $39,702 |
| 10 | $26,000 | $603 | $46,422 |
| 11 | $28,500 | $700 | $53,814 |
| 12 | $31,000 | $805 | $61,945 |
| 13 | $33,500 | $922 | $70,890 |
| 14 | $36,000 | $1,049 | $80,729 |
| 15 | $38,500 | $1,190 | $91,552 |
| 16 | $41,000 | $1,345 | $103,457 |
| 17 | $43,500 | $1,515 | $116,552 |
| 18 | $46,000 | $1,702 | $130,958 |
The rules, in plain language
Trump Accounts were created by the 2025 tax law and opened for contributions on July 4, 2026. Three numbers matter: $1,000 — the one-time federal seed for children born 2025 through 2028; $5,000 — the combined annual contribution cap from all sources (indexed for inflation after 2027); and $2,500 — the portion an employer may contribute within that cap, excluded from your income.
The part most articles get wrong: you cannot pick stocks in a Trump Account.The law requires funds to sit in mutual funds or ETFs tracking an index of primarily US companies, with expense ratios below 0.10%. That means no individual dividend stocks — the dividend engine inside these accounts is the index fund itself, quietly reinvesting the ~1.2–1.4% the S&P 500 pays.
Money grows tax-deferred until the child turns 18. Treasury administers the accounts and is still issuing regulations on fund menus and distribution details — check current IRS guidance before making decisions. This page reflects the rules as of July 2026.