What could your child's
530A account be worth?
The 530A account — nicknamed a "Trump Account" — is a new tax-advantaged investment account for children created by the One Big Beautiful Bill Act of 2025. Move the sliders to see how small, steady contributions could compound over a lifetime.
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Child's Investment Return Projection
Values are in today's dollars (inflation-adjusted estimates), not guarantees.
A retirement head-start, opened the year your child is born
Think of a 530A as an IRA that starts decades early. Money is invested in a low-cost U.S. stock index fund, grows tax-deferred, and belongs to your child when they turn 18.
$1,000 to start
Children who are U.S. citizens born Jan 1, 2025 – Dec 31, 2028 get a one-time $1,000 federal contribution to seed the account.
Grows with the market
Funds are invested in low-fee index funds tracking primarily U.S. companies — the same engine behind long-term retirement growth.
Up to $5,000 a year
Family, friends, and even employers can contribute up to $5,000 combined per child each year — after tax, indexed to inflation after 2027.
Theirs at 18
No withdrawals during childhood. At 18 the account follows Traditional IRA rules and your child takes the wheel.
How to open a 530A for your child
Check eligibility
U.S.-citizen children with a Social Security number qualify; children born January 1, 2025 through December 31, 2028 also receive a one-time $1,000 federal seed.
Open the account
Open an account at trumpaccounts.gov, with IRS Form 4547, or through the Treasury's Trump Accounts application.
Contribute (from July 4, 2026)
Contribute up to $5,000 per child per year from any source; employers may add up to $2,500 within that cap. Funds grow tax-deferred in a low-cost S&P 500 index fund.
Full walkthrough on the How to Open page, and every claim traces to a primary source — statute, IRS guidance, CRS — rules verified as of 2026-07-12. See also the statute itself.
Why trust these numbers?
The math is open source and tested against an independent reference implementation to the cent. Every projection is labeled for what it is: an estimate with an honest range, never a promise. Your inputs never leave your device.