What could your child's 530A account be worth?
Every eligible U.S. child born 2025–2028 gets a $1,000 federal seed in a new tax-advantaged investment account. Small contributions now compound for decades. Drag the sliders — see the answer in seconds.
In today's dollars, assuming a 7% average annual return after inflation and a 0.03% fund fee. Actual results will vary — these are estimates, not guarantees.
See the full picture →What is a 530A account?
A 530A custodial account (marketed as a “Trump Account”) is a tax-advantaged investment account for minors created by the One Big Beautiful Bill Act of 2025. Money is invested in a low-cost S&P 500 index fund, grows tax-deferred, and belongs to the child at 18, when it behaves like a Traditional IRA. Anyone — parents, relatives, employers, even charities — can contribute up to a combined $5,000 per child per year.
Read the FAQ or check the statute and other primary sources on our Resources page. Rules verified as of 2026-07-12.
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 the one-time $1,000 federal seed.
- Open the account at trumpaccounts.gov, with IRS Form 4547, or through the Treasury's Trump Accounts application.
- Contribute — up to $5,000 per child per year from any source (employers up to $2,500 within that cap), starting July 4, 2026. Funds grow tax-deferred in a low-cost S&P 500 index fund.
Why trust these numbers?
The calculator's math is open source, tested against an independent reference implementation to the cent, and every projection is labeled for what it is: an estimate with an honest range, never a promise. Your inputs never leave your device — there's no login, no tracking cookies, and nothing to sign up for. Why is this free?