Trump Account Calculator — How Much at Age 18? (2026)
Free Trump Account growth calculator. Enter your contributions and see how the $1,000 federal deposit grows by age 18. Max contributions can reach $226K+.
Popular Savings Scenarios
Not sure how much to contribute? These two scenarios cover what most parents are considering.
Set It and Forget It
Open with a $5,000 personal contribution. Never add another dollar. The $1,000 federal deposit and your $5,000 grow on their own.
Projected at age 18 (8% return, 2025 birth)
~$23,976
From $6,000 total invested ($1K federal + $5K yours)
Annual Birthday Gift
Open with $5,000, then add ~$100 every birthday. Just $8/month — less than a streaming subscription.
Projected at age 18 (8% return, 2025 birth)
~$27,475
From $6,000 initial + ~$100/year (~$7,700 total invested)
* Projections assume 8% annual return (S&P 500 historical average ~10%; 8% is conservative). Results will differ based on birth year, actual returns, and contribution timing. Not financial advice.
Adjust Your Scenario
Includes $1,000 federal pilot deposit (births 2025–2028)
S&P 500 historical average: ~10% (7% inflation-adjusted)
Advanced OptionsInflation, Employer Match, Dell Pledge, Fees
The annual limit is indexed ~2.5%/year starting 2028.
Tax-free under IRC §128. Counts toward the $5,000 cap. Remaining for personal: $5,000/yr ($416/mo)
For children under 10 in ZIP codes with median income below $150,000.
Law caps fees at 0.10%. VOO/IVV typically charge 0.03–0.04%. Deducted from returns annually.
Contribution Plan
Set how much you'll contribute during different periods. Max $416/mo personal ($$5,000/yr total from all sources).
Popular Savings Scenarios
Quick scenarios
$2,400/yr
$200/mo ages 0–18
Value at 18
$100,628
Total Contributions
$44,200
Total Earnings
$56,428
128% return on contributions
Seed Money
$1,000
$1,000 pilot
Tax-Free Basis
$43,200
Your after-tax contributions (not taxed again)
Taxable at Withdrawal
$57,428
Seed + employer + earnings (taxed as income)
Total Fees Paid
$284
0.04% expense ratio over 18 years
Projected Growth Over Time
View Year-by-Year Breakdown
| Age | Year | Contributions | Earnings | Fees | Balance |
|---|---|---|---|---|---|
| 1 | 2026 | $2,400 | $271 | $1 | $3,671 |
| 2 | 2027 | $2,400 | $483 | $2 | $6,554 |
| 3 | 2028 | $2,400 | $713 | $4 | $9,667 |
| 4 | 2029 | $2,400 | $961 | $5 | $13,027 |
| 5 | 2030 | $2,400 | $1,228 | $6 | $16,655 |
| 6 | 2031 | $2,400 | $1,517 | $8 | $20,572 |
| 7 | 2032 | $2,400 | $1,829 | $9 | $24,800 |
| 8 | 2033 | $2,400 | $2,165 | $11 | $29,366 |
| 9 | 2034 | $2,400 | $2,529 | $13 | $34,294 |
| 10 | 2035 | $2,400 | $2,921 | $15 | $39,615 |
| 11 | 2036 | $2,400 | $3,344 | $17 | $45,359 |
| 12 | 2037 | $2,400 | $3,802 | $19 | $51,561 |
| 13 | 2038 | $2,400 | $4,295 | $22 | $58,256 |
| 14 | 2039 | $2,400 | $4,828 | $24 | $65,485 |
| 15 | 2040 | $2,400 | $5,404 | $27 | $73,288 |
| 16 | 2041 | $2,400 | $6,025 | $30 | $81,713 |
| 17 | 2042 | $2,400 | $6,695 | $34 | $90,808 |
| 18 | 2043 | $2,400 | $7,419 | $37 | $100,628 |
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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