IRS Notice 2025-68 · IRC §530A · Form 4547
Trump Accounts, Explained in Plain English
Your child may qualify for a $1,000 federal investment account. We translate IRS jargon into simple answers for exhausted parents, confused employers, and overwhelmed tax preparers.
$1,000 Free Deposit — Time Left
Babies born before Dec 31, 2028 get a free $1,000 federal deposit
865
Days
17
Hours
47
Minutes
42
Seconds
$1,000
Federal deposit per child
$5,000/yr
Annual contribution limit
$2,500/yr
Employer match (tax-free)
Jul 4, 2026
Accounts go live
Who Qualifies for a Trump Account?
There are only three requirements — and no income limit.
U.S. Citizen
The child must be a United States citizen
Valid SSN
Must have a Social Security Number
Under 18
Must be under 18 at end of election year
$1,000 federal pilot deposit: Only children born January 1, 2025 – December 31, 2028 receive the free $1,000. Children born outside this window can still open a Trump Account — they just won't get the deposit. There are no income restrictions — a family earning $30K and a family earning $3M both qualify equally.
Try Our Free Calculators
All tools run in your browser. We don't collect or store any personal data.
Eligibility Checker
Eligibility Checker
You Qualify for the $1,000 Grant!
Employer Match
Employer Match Tool
Trump Account
$2,500/year
Employer Match
$2,500/year
Total Annual Benefit Increase:
$5,000/year
Learn MoreShare With Family & Employers
Tools designed to help you spread the word about Trump Accounts.
Birthday Contribution Card
Share in your party group chat. Every parent at the birthday sees it — and wants one for their kid.
Wealth Report Generator
Create a personalized "Wealth Map" for your child showing projected balances at 18, 30, and 65. Download and share.
Gift-This-Instead Card
Ask grandparents to invest in your child's future instead of buying another toy. Shareable digital card generator.
HR Email Generator
Generate a professional email to ask your employer about offering $2,500/yr Trump Account matching.
Everything You Need to Know
Trump Account for Kids
What Trump Accounts for kids are: $1,000 deposit, $5,000/yr, S&P 500 investing, IRA at 18.
How to Open for Your Child
Step-by-step: IRS Form 4547, trumpaccounts.gov, and claiming the $1,000 deposit.
Should I Open One for My Child?
Decision guide: when yes, when to skip, older kids, and Trump Account vs 529.
Trump Account Eligibility
Kids eligibility: U.S. citizen, SSN, under 18. No income limits. Includes kids born before 2025.
trumpaccounts.gov Portal
Official portal vs app vs Form 4547 — how to use the real government site safely.
Trump Account for Older Kids
No $1,000 deposit? Still eligible. Growth by age, Dell $250, and whether it is worth it for teens.
Trump IRA at Age 18
What “Trump IRA” means: automatic conversion to a traditional IRA, taxes, and Roth options.
Trump Account 250 (Dell)
How to get the Dell $250 — ZIP check, open the account, no separate application.
Tax Advantages Explained
Tax-deferred growth, employer match, withdrawals, and Roth conversion at 18.
Trump Account vs 529 vs Roth IRA
Side-by-side comparison of every children's savings option. Limits, tax treatment, flexibility.
FAQ: 80+ Questions Answered
Eligibility, taxes, divorce, disability, FAFSA, market crashes, and every edge case.
The Translation Layer
We read the IRS documents so you don't have to.
📜 What the IRS says (Notice 2025-68, Section 3.02)
"An initial Trump account is a trust created or organized in the United States for the exclusive benefit of an eligible child as designated beneficiary..."
In plain English:
It's an investment account opened for your kid. The money belongs to them. It's held by a financial institution (like Fidelity or Vanguard) and invested in S&P 500 index funds until they turn 18.