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Trump Account Eligibility Checker

Use this Trump Account Eligibility Checker to see if your child qualifies for a Trump Account and the $1,000 federal pilot deposit — three quick questions.

Does Your Child Qualify?

Trump Accounts are available to nearly every American child. The eligibility rules are simple — answer three quick questions below to find out if your child qualifies for a Trump Account and the $1,000 federal pilot deposit.

The 3 Requirements

  1. 1. U.S. citizen — the child must be a citizen of the United States
  2. 2. Valid SSN — the child must have a Social Security number
  3. 3. Under 18 — the child must be under age 18 at the end of the election year

There are no income restrictions. Any family can participate.

ℹ️ Pilot deposit has a narrower window

While any child under 18 can open a Trump Account, only children born between 2025 and 2028 receive the $1,000 federal deposit. Use the checker below to see which benefits your child qualifies for.

When was your child born?

We need this to check age eligibility and pilot deposit qualification.

Frequently Asked Questions

What are the eligibility requirements for a Trump Account?
Three requirements: (1) the child must be a U.S. citizen, (2) have a valid Social Security number (SSN), and (3) be under age 18 at the end of the election year. There are no income limits for families.
Does my child qualify for the $1,000 federal deposit?
The $1,000 federal pilot deposit is only for children born between January 1, 2025 and December 31, 2028. Children born outside this window can still open a Trump Account and receive family contributions, but will not get the government deposit.
Can I open a Trump Account for an adopted child?
Yes. Adopted children who are U.S. citizens with a valid SSN qualify on the same terms as biological children. If the child was born between 2025-2028, they also qualify for the $1,000 pilot deposit.
Is there an income limit for Trump Accounts?
No. Unlike Roth IRAs or some education tax credits, Trump Accounts have zero income restrictions. Any family can open and contribute regardless of how much they earn.
Can teenagers get a Trump Account?
Yes. Any U.S. citizen child under 18 with a valid SSN can have a Trump Account. However, the growth phase is shorter for older children — a 15-year-old would only have 3 years of tax-deferred growth before the account converts to an IRA at 18.
How do I open a Trump Account?
File IRS Form 4547 (Trump Account Election(s)) with your 2025 tax return (due April 15, 2026), use the trumpaccounts.gov portal when it launches in mid-2026, or mail the form to the IRS.

Ready to open an account? See our step-by-step guide to opening a Trump Account, or use the Trump Account calculator to see how much your child's account could grow.

Disclaimer: This calculator is for educational and illustrative purposes only. It does not constitute tax or financial advice. Actual returns will vary. Consult a qualified tax professional or financial advisor before making investment decisions.

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