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Employer Match Calculator for Trump Accounts

Calculate the compensation lift from employer Trump Account contributions of up to $2,500/year. See how the match accelerates growth over time.

How Much Is Your Employer Match Worth?

Under IRC §128, employers can contribute up to $2,500 per year to an employee's child's Trump Account — completely tax-free to you. This is real, untaxed compensation that goes straight into your child's investment account.

Use this calculator to see how employer matching accelerates your child's account growth. Even a partial match of $500-$1,000 per year adds up to tens of thousands of dollars over 18 years.

$2,500

Max employer contribution/year

$0

Tax on employer match (tax-free)

$45K+

Potential value of max match over 18 years

✅ This is free money — like a 401(k) match for kids

If your employer offers $$2,500/year and you contribute $$2,500/year, you hit the $$5,000 annual cap with $$2,500 of it being tax-free. Over 18 years, the employer portion alone could grow to $90,000+ at 8% returns.

Your Employment Details

$75,000
$30,000$200,000
$2,500/yr
$0/yr$2,500/yr

Employers can contribute up to $2,500/year per employee (tax-free under IRC §128)

$200
$0$417

Combined limit: $5,000/year. You: $2,400 + Employer: $2,500 = $4,900

8%
4%12%
18 years
1 years18 years

With Employer Match

$202,183

Without Employer Match

$101,067

Extra from Employer

$101,116

Additional growth from match

Compensation Lift

+3.33%

$2,500/yr tax-free

Growth: With vs Without Employer Contribution

How Employer Contributions Work

  • • Employers can contribute up to $2,500/year per employee (not per child)
  • • Employer contributions are tax-free under IRC §128
  • • Employer + personal contributions combined cannot exceed $5,000/year
  • • This is a new employee benefit — ask your HR department about it

Frequently Asked Questions

How much can my employer contribute to a Trump Account?
Employers can contribute up to $2,500 per year per employee under IRC Section 128. This contribution is tax-free for the employee and counts toward the $5,000 annual cap.
Is the employer contribution per child or per employee?
The $2,500 limit is per employee, not per child. If you have three children with Trump Accounts, your employer's total annual contribution for all three combined cannot exceed $2,500.
Do I pay taxes on employer Trump Account contributions?
No. Employer contributions under IRC §128 are excluded from the employee's gross income. This is similar to employer 401(k) matching — the money goes in tax-free and grows tax-deferred until your child withdraws it after age 18.
Does the employer match count toward the $5,000 annual limit?
Yes. The $2,500 employer contribution counts toward the $5,000 total annual limit. So if your employer contributes the full $2,500, you can add up to $2,500 in personal contributions for the year.
How do I ask my employer to offer Trump Account matching?
Start with your HR department or benefits team. Share our employer contribution guide at /for-employers. Many companies are adding Trump Account matching as a competitive benefit — it costs employers nothing in payroll taxes and helps with employee retention.
What if my employer does not offer Trump Account matching?
You can still contribute the full $5,000/year on your own. The employer match is a bonus, not a requirement. Consider sharing the employer guide with your HR department — many companies are adopting this benefit in 2026.

Are you an employer? See our employer contribution guide to learn how to set up matching. For full growth projections, use the growth calculator.

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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