Trump Account Calculator

The Trump Account (Money Account for Growth and Advancement) is a new tax-advantaged investment account for American children, created by the One Big Beautiful Bill Act. This calculator helps parents project how the $1,000 government seed and their own annual contributions can grow over time — and shows the tax-free advantage compared to a regular brokerage account.

Step 1: Enter Your Child's Age

Enter your child's current age (0-17). The account must be opened before the child turns 18. The younger the child, the more years the account has to grow through compound interest. The calculator automatically factors in the $1,000 government seed deposit that every eligible child receives.

Step 2: Set Your Annual Contribution

Choose how much you plan to contribute each year, up to the $5,000 maximum. Remember that contributions are not tax-deductible — they are made with after-tax dollars. Even small annual contributions can grow significantly over 10-20 years thanks to compound interest. If you cannot contribute the maximum, even $500 or $1,000 per year makes a meaningful difference.

Step 3: Choose a Return Rate and Withdrawal Age

Select from three return rate presets based on the available investment options: Conservative (5%, bond-heavy), Moderate (7%, balanced), or Aggressive (9%, equity-heavy). Trump Accounts are limited to U.S. equities index funds, U.S. bond index funds, and Treasury securities. Then pick the age at which your child plans to withdraw — whether at 18 for college, 25 for a first home, or 30 for starting a business.

Understanding the Tax-Free Advantage

The key benefit of a Trump Account is tax-free growth on qualified withdrawals. In a regular brokerage account, investment gains are subject to capital gains tax (typically 15% for most families). This calculator shows a side-by-side comparison so you can see exactly how much the tax-free advantage is worth over time. The longer the money compounds, the larger the tax savings become.

Important Rules to Remember

Qualified withdrawals — for education, a first home purchase, or starting a business — are completely tax-free. However, withdrawals before age 18 or for non-qualified purposes are subject to income tax on the earnings portion. The account is managed by the Treasury Department or a designated custodian, and investment choices are limited to the three categories listed above. Trump Accounts launch July 5, 2026, and final details may change pending Treasury Department regulations.