Trump's Accounts (Invest America) Calculator
Invest America is a national program designed to give every eligible U.S. child a financial head start. Under the "Trump Accounts" initiative (part of the Working Families Tax Cuts), eligible newborns receive a $1,000 federal deposit, which grows tax-free until age 18. 500,000+ families enrolled!
Families can contribute up to $5,000 annually. Plus, 30+ major employers (Bank of America, JPMorgan, Schwab, Nvidia, and more) now offer $1,000 matching contributions. Combined with the Dell family's $6.25 billion gift and regional programs, your child could start with $2,000-$3,000+ on day one.
Gov. Seed ($1k)
Eligible children receive a $1,000 deposit from the federal government. Locked until age 18.
Dell Gift ($250)
An additional $250 for 25 million eligible kids (age 10 & under) from the Michael & Susan Dell Foundation.
Family Adds
Parents and employers can add up to $5,000 per year. Money grows tax-free until adulthood.
How to Sign Up for Trump Accounts
Over 500,000 families have already enrolled as of February 2026. Here's how to get started:
File Form 4547
Complete IRS Form 4547 electronically via TrumpAccounts.gov or submit with your 2025 tax return.
Receive Government Seed
Eligible newborns (2025-2028) automatically receive the $1,000 Treasury deposit invested in an index fund.
Start Contributing
Beginning July 4, 2026, add up to $5,000/year from family, friends, or employers.
Employer Matching Programs ($1,000+)
These companies will contribute $1,000 or more to employees who open Trump Accounts for their children. Check if your employer is on the list!
Bank of America
$1,000 match
JPMorgan Chase
$1,000 match
Wells Fargo
$1,000 match
Charles Schwab
$1,000 seed
Citi
$1,000 match
BlackRock
$1,000 match
Visa
$1,000 match
Mastercard
$1,000 match
Nvidia
$1,000 match
Intel
$1,000 match
Broadcom
$1,000 match
Dell Technologies
$1,000 match
IBM
$1,000 + $1,000 bonus*
Coinbase
$1,000 match
Robinhood
$1,000 match
Acorns
$1,000 match
SoFi
$1,000 match
Chime
$1,000 match
Uber
$1,000 match
Chipotle
$1,000 match
Comcast
$1,000 match
Charter Comm.
$1,000 match
Fox Corporation
$1,000 match
Steak 'n Shake
$1,000 match
Philanthropist & Regional Contributions
Treasury's "50 State Challenge" has rallied philanthropists nationwide to boost Trump Accounts. Check if you qualify for additional funds:
Michael & Susan Dell Foundation
$6.25 billion commitment for 25 million American children
Eligibility: Children age 10 and under, living in ZIP codes with median income below $150,000
Ray & Barbara Dalio
$75 million for ~300,000 Connecticut children
Eligibility: Connecticut residents only
Brad Gerstner (Altimeter Capital)
Contribution for Indiana children under 5
Eligibility: Indiana residents, children under age 5
Kraken (Cryptocurrency Exchange)
Full coverage for ALL eligible Wyoming newborns in 2026
Eligibility: Wyoming residents, 2026 newborns
Anonymous San Francisco Donor
$3.5 million for SF babies born in 2026
Eligibility: San Francisco residents, 2026 newborns
Anand Legacy Foundation
$500,000 for Kern County, California newborns
Eligibility: Kern County, CA residents
Nicki Minaj
$150,000 - $300,000 for fan children's accounts
Eligibility: Selected via social media announcements
Check Your Eligibility
Answer 3 quick questions to see what your child qualifies for:
State-by-State Guide: Extra Contributions
Treasury's "50 State Challenge" is expanding. Check if your state has additional programs:
| State/Region | Program | Amount | Eligibility |
|---|---|---|---|
| Connecticut | Ray & Barbara Dalio Foundation | $250 | Children under 10, income <$150k ZIP |
| Wyoming | Kraken (Crypto Exchange) | $1,000 | All 2026 newborns (full seed coverage) |
| Indiana | Brad Gerstner (Altimeter) | $250 | Children under 5 years old |
| San Francisco, CA | Anonymous Donor ($3.5M) | $500 | 2026 newborns only |
| Kern County, CA | Anand Legacy Foundation | Varies | Newborns in Kern County |
| All 50 States | Dell Family Foundation | $250 | Age 10 & under, income <$150k ZIP |
More states joining the "50 State Challenge" — check Treasury announcements for updates.
Maximum Trump Account Contributions
Stack all available programs for the highest possible starting balance:
Best Case: Day 1 Balance
*Requires: Wyoming resident, IBM employee, 2026 baby, income <$150k ZIP
Realistic Scenarios
With Employer Match
Gov + Dell + $1k employer
Connecticut Resident
Gov + Dell + Dalio + employer
No Employer Match
Gov + Dell only
Annual Contribution Limits
- $5,000/year — Total family contribution limit
- $2,500/year — Maximum employer portion
- Until age 18 — Contribution window
Maximum at Retirement (Age 65)
$8+ Million
$4,250 seed + $5,000/year for 18 years @ 8% return
Plan your child's retirement →Loading Calculator...
Trump Accounts vs. 529 Plans vs. Custodial Accounts
Choosing the right savings vehicle for your child can be confusing. While 529 Plans are excellent for education, Trump Accounts (Invest America) offer more flexibility for general wealth building like buying a home or starting a business. Compare 529 vs Brokerage →
| Feature | Trump Account | 529 Plan | Custodial (UTMA) |
|---|---|---|---|
| Primary Goal | General Wealth (Retirement/Home) | Education | Any Benefit for Child |
| Government Seed | Yes ($1,000) | No (State specific only) | No |
| Tax Benefit | Tax-Free Growth (until 18) | Tax-Free (for Education) | First $1,250 Tax-Free |
| Withdrawal Rules | Locked until 18 (IRA Rules) | Penalty if not for Education | Child gains control at 18/21 |
| Contribution Limits | $5,000/year | ~$18,000/year (varies by state) | $18,000/year (gift tax limit) |
| Employer Match | Yes (up to $2,500) | No | No |
| Investment Options | S&P 500 Index Only | Multiple options | Stocks, bonds, any asset |
| Impact on Financial Aid | None (child's asset) | Minimal (parent asset) | High (child's asset) |
Tax Implications: What You Need to Know
1 Before Age 18 (Growth Phase)
- ✓ 100% tax-free growth — No taxes on dividends or capital gains
- ✓ No withdrawals allowed — Funds locked until 18
- ✓ Employer contributions tax-free — Not counted as income
2 After Age 18 (Traditional IRA Rules)
- → Tax-deferred growth — No taxes until withdrawal
- → Withdrawals taxed as income — At your marginal rate
- → 10% early withdrawal penalty — Before age 59½
Penalty-Free Withdrawals (Before 59½)
First Home Purchase
Up to $10,000 lifetime
Higher Education
Tuition, books, room & board
Medical Expenses
Exceeding 7.5% of AGI
Example: $10,000 Withdrawal at Age 25 (Non-Qualified)
Withdrawal
$10,000
Income Tax (22%)
-$2,200
Early Penalty (10%)
-$1,000
Net Received
$6,800
* Income tax rate depends on your tax bracket. Qualified withdrawals avoid the 10% penalty.
From Birth to Retirement: 3 Real-Life Scenarios
The following scenarios assume an 8% annual return (historical S&P 500 averages often track higher) and a combined starting seed of $1,250 ($1,000 Gov + $250 Dell Gift). These examples illustrate the massive impact of starting a child's savings at birth.
1. The "Free Ride"
Zero Family Contribution
This assumes the account is opened with just the seed money and never touched again until retirement.
At Age 18 (College)
$5,000
At Age 30 (House)
$12,500
At Age 65 (Legacy)
$186,000
2. The "Modest Saver"
$100 / Month Contribution
A small monthly habit until the child turns 18 creates a safety net of over $2 Million by retirement.
At Age 18 (College)
$53,000
At Age 30 (House)
$135,000
At Age 65 (Legacy)
$2 Million
3. The "Legacy Builder"
$5,000 / Year (Max Limit)
Maximizing the tax-advantaged years (0-18) creates generational wealth, potentially reaching nearly $8M.
At Age 18 (College)
$207,000
At Age 30 (House)
$520,000
At Age 65 (Legacy)
$7.7 Million
Interested in Financial Independence?
See how early savings could help your child retire decades early.
Understanding the Numbers: Why Start Early?
The projected values in this calculator are driven by the fundamental principle of the Time Value of Money (TVM). The Invest America plan leverages this by front-loading a child's savings. The initial $1,000 government seed (plus the potential $250 Dell gift) acts as a powerful catalyst. Because this money is invested at birth (or a young age), it has nearly two decades to compound tax-free before the child reaches adulthood.
As the scenarios above demonstrate, the "Modest Saver" path—contributing just $100 a month—can result in a nest egg of over $50,000 by age 18. This is sufficient to cover a significant portion of college tuition or a down payment on a starter home without incurring debt. More impressively, if that capital is preserved and left to grow until the child retires at 65, it can balloon to $2 Million due to 47 additional years of compounding. This highlights a key insight: the most valuable asset in this account is not just the dollar amount contributed, but the time it remains invested in the market.
Related Tools: Compound Interest Calculator • Inflation-Adjusted Returns • Retirement Savings
What Leaders Are Saying
"The president foresees a day where matching contributions to Trump Accounts will be as integral to an employee benefits package as a matching 401(k)."
Scott Bessent
U.S. Treasury Secretary
"I have lived the American Dream. At an early age, I was exposed to the stock market, and it changed my life. By providing children with savings accounts that compound over time, we are providing them with a path towards financial independence."
Ray Dalio
Founder, Bridgewater Associates
"By matching the government's contribution for our employees' children, we're honoring that commitment — helping more families take an early, confident step toward building long-term financial security."
Rick Wurster
CEO, Charles Schwab
"JPMorgan Chase has demonstrated a long-term commitment to the financial health and well-being of all of our employees. By matching this contribution, we're making it easier for them to invest wisely and plan for their family's financial future."
Jamie Dimon
CEO, JPMorgan Chase
Latest News & Updates
January 28, 2026
JPMorgan & Bank of America Join Employer Match Program
The nation's two largest banks announce $1,000 matching contributions for their combined 355,000+ U.S. employees.
January 14, 2026
SoFi Announces $1,000 Employee Match
Fintech company SoFi commits to matching federal contributions, with CEO Anthony Noto emphasizing compound growth benefits.
December 17, 2025
Dalio Family Pledges $75M for Connecticut Children
Ray and Barbara Dalio commit $250 per child for 300,000 Connecticut children as part of Treasury's "50 State Challenge."
December 2, 2025
Dell Family Makes Historic $6.25 Billion Commitment
Michael and Susan Dell pledge to fund Trump Accounts for 25 million American children age 10 and under — the largest single charitable gift for American children in history.
July 4, 2025
One Big Beautiful Bill Act Signed Into Law
President Trump signs the OBBBA, establishing Trump Accounts (Section 530A) with $1,000 federal contributions for eligible newborns 2025-2028.
Key Rules & Eligibility (Draft Guidance)
- Eligibility: Generally, U.S. citizen children under age 18. The $1,000 seed applies to those born on/after Jan 1, 2025.
- Dell Gift Eligibility: Children age 10 and under living in eligible ZIP codes (median income below $150k).
- Start Date: Contributions cannot be made before July 4, 2026.
- Lock-In Period: Funds generally cannot be withdrawn until the child turns 18.
- Tax Status: Grows tax-free until age 18. Afterwards, it is treated similarly to a Traditional IRA (tax-deferred growth).
Note: These details are based on Notice 2025-68 and proposed legislation. Final regulations may vary.
Frequently Asked Questions
What are the tax implications when withdrawing?
Once the child turns 18, the account acts like a Traditional IRA. This means growth is tax-deferred, but withdrawals are generally taxed as ordinary income.
Example with Real Numbers: Suppose your child (now an adult) withdraws $10,000 at age 25 for a non-qualified expense. If their income tax rate is 22%, they would pay $2,200 in taxes. Additionally, because it's before age 59½, they may pay a 10% penalty ($1,000), totaling $3,200 in costs. However, withdrawals for qualified expenses like a First Home Purchase (up to $10,000 lifetime) or Higher Education expenses are typically exempt from the 10% penalty, though income tax still applies.
Where is the money invested?
The funds must be invested in diversified mutual funds or ETFs that primarily track broad American equity indices, such as the S&P 500. This ensures the child benefits from the long-term growth of the U.S. economy.
Can employers contribute?
Yes. Employers can contribute up to $2,500 per year to an employee's child's account. This employer contribution counts toward the overall $5,000 annual limit but is generally tax-free for the employee.
What is the Dell Family Gift?
Michael and Susan Dell have committed $6.25 billion to provide an additional $250 to the first 25 million eligible children. This creates an immediate 25% boost to the initial government seed money for qualifying families.
How do I sign up for a Trump Account?
File IRS Form 4547 electronically via TrumpAccounts.gov, or submit it with your 2025 tax return. Once approved, eligible newborns (2025-2028) automatically receive the $1,000 Treasury deposit. Family contributions can begin July 4, 2026.
Does my employer offer Trump Account matching?
Over 30 major companies now offer $1,000 matching contributions, including Bank of America, JPMorgan Chase, Wells Fargo, Charles Schwab, Nvidia, Intel, Coinbase, Uber, Chipotle, and many more. IBM offers up to $2,000 ($1,000 + $1,000 bonus). Check with your HR department or see the full list above.
Are there state or regional programs that add extra money?
Yes! Several philanthropists and organizations have created regional programs: Connecticut (Dalio family - $250/child), Indiana (Brad Gerstner - $250 for kids under 5), Wyoming (Kraken - full coverage for 2026 newborns), San Francisco (anonymous donor - $500 for 2026 babies), and Kern County, CA (Anand Foundation). More states are joining Treasury's "50 State Challenge."
How much can a Trump Account grow to?
According to Treasury projections, even a simple $1,000 seed left untouched could grow to over $500,000 by retirement (assuming historical stock market returns). With employer matching and family contributions, accounts could reach $2-7 million+ by age 65. Use the calculator above to project your child's specific scenario.
Recommended Readings & Official Resources
Invest America Official Site →
Central hub detailing eligibility and mission.
IRS Guidance on Trump Accounts →
Official Treasury/IRS notice on tax treatment and limits.
White House: Dell Family Gift →
Details on the historic $6.25B charitable commitment.
PBS NewsHour: Who Qualifies? →
Breakdown of eligibility for the extra funding.
Official Company Announcements
Verified press releases and official announcements from companies participating in the Trump Accounts matching program:
U.S. Treasury Department →
Official press release: "Trump Accounts: The Defining Policy of America's 250th Anniversary"
IRS - Trump Accounts →
Official IRS guidance on contribution limits, tax treatment, and employer rules
JPMorgan Chase (Business Wire) →
$1,000 match for 190,000+ U.S. employees - Statement from CEO Jamie Dimon
Bank of America (CBS News) →
$1,000 match for 165,000 U.S. employees + payroll deduction feature
Charles Schwab (Press Room) →
Official announcement - $1,000 match for 32,000 employees
BlackRock (Newsroom) →
$1,000 match - "Support for Early Wealth Building Initiatives"
SoFi (Investor Relations) →
Official announcement - Statement from CEO Anthony Noto
BNY Mellon (Axios Exclusive) →
First major financial firm to announce - Statement from CEO Robin Vince
Intel (Newsroom) →
Official announcement - Statement from CEO Lip-Bu Tan
Dell Family Gift (White House) →
$6.25 billion commitment for 25 million American children
Dalio Philanthropies →
$75 million for 300,000 Connecticut children - "Dalios Double Down"
Full List: For a complete, updated list of all companies and philanthropists, visit Americans for Tax Reform's Trump Accounts Tracker.
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