Trump Account Withdrawal & Tax Simulator
See how much you keep after taxes and penalties when withdrawing from a Trump Account at different ages. Compare 18, 25, 30, 59½, and 65.
Configure Your Scenario
$150,000
$10,000$500,000
Use our Growth Calculator to estimate this
8%
4%12%
$50,000
$0$200,000
Your other income affects your tax bracket
100% of balance
10% of balance100% of balance
Withdraw at 18
$99,851
33.4% effective tax rate
Withdraw at 59½ (no penalty)
$2,334,580
No early withdrawal penalty
Withdraw at 65
$3,548,819
36.5% effective tax rate
Net Amount After Taxes & Penalties by Withdrawal Age
| Age | Balance | Withdrawal | Federal Tax | Penalty | Net Amount | Eff. Rate |
|---|---|---|---|---|---|---|
| 18 | $150,000 | $150,000 | $35,149 | $15,000 | $99,851 | 33.4% |
| 21 | $188,957 | $188,957 | $47,615 | $18,896 | $122,446 | 35.2% |
| 25 | $257,074 | $257,074 | $71,109 | $25,707 | $160,257 | 37.7% |
| 30 | $377,726 | $377,726 | $113,337 | $37,773 | $226,616 | 40.0% |
| 35 | $555,003 | $555,003 | $175,384 | $55,500 | $324,118 | 41.6% |
| 40 | $815,481 | $815,481 | $271,334 | $81,548 | $462,599 | 43.3% |
| 50 | $1,760,562 | $1,760,562 | $621,014 | $176,056 | $963,492 | 45.3% |
| 59½ | $3,657,439 | $3,657,439 | $1,322,859 | — | $2,334,580 | 36.2% |
| 65 | $5,584,802 | $5,584,802 | $2,035,983 | — | $3,548,819 | 36.5% |
Key Withdrawal Rules
- • Before age 18: No withdrawals (except rollovers, excess contributions, or death)
- • Age 18: Converts to traditional IRA automatically
- • Ages 18–59½: Ordinary income tax + 10% early withdrawal penalty
- • Age 59½+: Ordinary income tax only, no penalty
- • All withdrawals are taxed as ordinary income (traditional IRA rules)
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.