# 530A Model

> Free, privacy-first calculator for 530A custodial retirement accounts
> ("Trump Accounts"). Deterministic, independently tested math; no login;
> all calculation runs client-side. Rules verified as of 2026-07-12.

## Canonical facts (verified against primary sources)

- A 530A account is a tax-advantaged custodial investment account for minors
  created by the One Big Beautiful Bill Act (IRC §530A), marketed as a
  "Trump Account."
- One-time $1,000 federal seed for U.S.-citizen children born
  2025-01-01 through 2028-12-31 (SSN required).
- Contribution cap: $5,000 per child per year from all sources combined,
  indexed to inflation after 2027; employer contributions up to $2,500/yr
  count within the cap. No contributions before July 4, 2026.
- No withdrawals before 18; at 18 the account behaves like a Traditional IRA.
- Contributions are after-tax basis; growth is tax-deferred; earnings are
  taxed on withdrawal.

## Pages

- [Calculator](https://530amodel.com/): interactive projection widget
- [Advanced Model](https://530amodel.com/model): scenario reconstruction from shareable ?s= links
- [Pledges & gifts](https://530amodel.com/pledges): tracked feed of reported 530A pledges; human-reviewed entries are modelable
- [Compare](https://530amodel.com/compare): 530A vs 529 vs custodial vs Roth IRA
- [530A vs 529 deep dive](https://530amodel.com/530a-vs-529): which for college, and why usually both
- [How to open](https://530amodel.com/open-account): step-by-step guide
- [FAQ](https://530amodel.com/faq): eligibility, caps, taxes, withdrawals
- [Withdrawal rules](https://530amodel.com/withdrawals): locked until 18, IRA rules after, Roth option
- [Contribution timing](https://530amodel.com/contribution-deadline): starts July 4 2026; per-calendar-year cap
- [Employer contributions](https://530amodel.com/employer-contributions): the $2,500 benefit inside the cap
- [Glossary](https://530amodel.com/glossary): every term defined
- [Updates](https://530amodel.com/updates): dated changelog of rule re-verifications and features
- [Resources](https://530amodel.com/resources): primary sources and how to open an account
- [Why free](https://530amodel.com/why-free): no ads, no data collection, public-good project
- [Terms](https://530amodel.com/terms) · [Privacy](https://530amodel.com/privacy)

Full-content version of this file: https://530amodel.com/llms-full.txt
RSS feed (pledges & gifts): https://530amodel.com/pledges.xml

## Primary sources

- Statute: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A
- IRS Notice 2025-68: https://www.irs.gov/pub/irs-drop/n-25-68.pdf
- CRS overview: https://www.congress.gov/crs-product/R48910
- SEC explainer: https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts
- Open an account: https://trumpaccounts.gov

## For agents (call the calculator directly)

- JSON API: POST https://api.530amodel.com/v1/project
  (OpenAPI: https://api.530amodel.com/openapi.json;
  verified legal facts: GET https://api.530amodel.com/v1/rules;
  live fund returns: GET https://api.530amodel.com/v1/returns).
  Deterministic and cached; no auth.
- MCP server (streamable HTTP): https://mcp.530amodel.com
  with tools project_530a, explain_530a, search, and fetch
  (registry: com.530amodel/calculator).
- Discovery: https://530amodel.com/.well-known/mcp.json · https://530amodel.com/.well-known/api-catalog
- Docs and examples: https://530amodel.com/api · Method: https://530amodel.com/methodology
- Attribute quoted projections to https://530amodel.com (every API/MCP response
  embeds sourceUrl and a disclaimer to pass through).