Project a Trump Account for a child with the $1,000 federal seed and yearly contributions.
The annual contribution limit is $5,000 under the 2025 law; confirm rules and employer-contribution limits with the IRS.
Please do not make financial decisions based on these results.
What is the Trump Accounts Calculator?
Project a Trump Account for a child with the $1,000 federal seed and yearly contributions. To use the Trump Accounts Calculator, enter federal seed deposit, yearly family contribution, annual return, years; it returns balance at the end, total contributed (incl. seed), growth, and shows them instantly as you type.
Where the Trump Accounts Calculator fits
Project a Trump Account for a child with the $1,000 federal seed and yearly contributions. The main figure it returns is the Balance at the end, worked out from the values you enter.
It belongs with the other tax & salary tools. If you are comparing options or checking a result from another angle, try the Income Tax Calculator, Salary Calculator or the Estate Tax Calculator.
How to use the Trump Accounts Calculator
- Enter your numbers. Start with Federal seed deposit ($), Yearly family contribution ($), Annual return (%), then fill in Years (to age 18). Use the tax year and filing status that apply to you, and gross figures unless a field says otherwise. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Balance at the end, and the cards below show Total contributed (incl. seed), Growth. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Trump Accounts Calculator using the default values shown in the calculator above:
Inputs
| Federal seed deposit ($) | 1,000 |
|---|---|
| Yearly family contribution ($) | 1,200 |
| Annual return (%) | 7 |
| Years (to age 18) | 18 |
Results
| Balance at the end | $44,178.77 |
|---|---|
| Total contributed (incl. seed) | $22,600.00 |
| Growth | $21,578.77 |
With these inputs the calculator returns Balance at the end: $44,178.77. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Federal seed deposit ($) from 1,000 to 1,200 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Balance at the end | $44,178.77 | $44,854.76 | +1.5% |
| Total contributed (incl. seed) | $22,600.00 | $22,800.00 | +0.9% |
| Growth | $21,578.77 | $22,054.76 | +2.2% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the Trump Accounts Calculator reports Balance at the end, total contributed (incl. seed) and growth. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. Tax rules change every year and depend on your full situation (state, filing status, credits), so treat the result as an estimate and confirm it with the IRS or a tax professional. It is for information, not financial, tax or legal advice.
Frequently asked questions
Who gets the $1,000 deposit?
US-citizen children born from January 1, 2025 through December 31, 2028 with a Social Security number.
Do these calculators include state income tax?
Federal tax is calculated from the official brackets. For state tax you enter a rate, because state rules vary widely.
Which tax year and rates are used?
US federal brackets and standard deductions for 2026 and 2025, plus FICA. State tax is a rate you enter.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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