Trump Account Calculator 2026 — Free
Check if your child qualifies for the $1,000 OBBBA retirement contribution and see how it could grow over decades of tax-free compounding.
Trump Account Eligibility & Projections
The OBBBA creates "Trump Accounts" — a one-time $1,000 government contribution to a retirement investment account for eligible US children under 18. The funds grow tax-advantaged until retirement age.
How It Works
- Enter your child's age and citizenship status
- Enter your filing status and income
- Review eligibility and projected growth
Understanding the Trump Account (OBBBA Child Retirement Provision)
The One Big Beautiful Bill Act (OBBBA) introduced a new provision commonly referred to as the "Trump Account." Under this program, the federal government makes a one-time $1,000 contribution into a tax-advantaged retirement account for each eligible American child. The goal is to give every child a financial head start by harnessing the extraordinary power of compound growth over many decades.
Who Qualifies
To be eligible for a Trump Account, the child must meet three requirements: they must be a United States citizen, they must have a valid Social Security Number, and they must be under 18 years old at the time the account is opened. Additionally, the child's parents must have a modified adjusted gross income below the applicable threshold — $200,000 for single filers and head of household, or $400,000 for married filing jointly. Married filing separately filers follow the single threshold of $200,000. Most American families fall well within these income limits, making the Trump Account broadly accessible.
The Power of Early Compounding
A single $1,000 contribution may not sound like much, but time is the most powerful force in investing. For a newborn, that $1,000 has 65 years to grow before retirement. At a 7% average annual return — roughly the historical inflation-adjusted return of the S&P 500 — that $1,000 grows to over $44,000. At 10% nominal returns, it could reach nearly $190,000. Even a child who receives the contribution at age 15 would see the $1,000 grow to over $16,000 at 7% by age 65. Use our compound interest calculator to explore different scenarios, or try the investment calculator to model additional contributions over time.
| Child Age | Years to 65 | Value at 5% | Value at 7% | Value at 10% |
|---|---|---|---|---|
| Newborn | 65 | $23,840 | $44,691 | $189,059 |
| Age 5 | 60 | $18,679 | $31,881 | $117,391 |
| Age 10 | 55 | $14,636 | $22,741 | $72,890 |
| Age 15 | 50 | $11,467 | $16,218 | $45,259 |
| Age 17 | 48 | $10,401 | $14,167 | $37,190 |
Important Caveats
There are several important details to keep in mind. First, the Trump Account contribution is a one-time deposit — the government does not make annual contributions. Second, the funds are locked until the child reaches retirement age (expected to be 59½ or 65, subject to final IRS guidance). Early withdrawals may be subject to penalties. Third, the program is still subject to final IRS regulations and implementation details, which may adjust eligibility criteria or account rules. Finally, while the account grows tax-free, the specific investment options available within Trump Accounts have not yet been finalized.
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