Estimated balance at age 18
$39,406
18 years invested
Contributions
$19,000
Estimated growth
$20,406
New for 2026
Model how the federal $1,000 pilot contribution and ongoing deposits could grow for a child—without signup or personal-data collection.
Adjust the inputs to model a child's potential balance.
Growth projection
Estimated balance at age 18
$39,406
18 years invested
Contributions
$19,000
Estimated growth
$20,406
Estimated balance at age 28
$93,616
28 years invested
Contributions
$29,000
Estimated growth
$64,616
Estimated balance at age 65
$1,413,242
65 years invested
Contributions
$66,000
Estimated growth
$1,347,242
This is an educational estimate, not a guarantee. It assumes monthly compounding and even monthly contributions; actual returns, fees, taxes, eligibility, contribution categories and withdrawal rules can differ.
The model starts with an optional $1,000 federal pilot contribution, adds the annual family and employer amount in equal monthly installments, and compounds the selected hypothetical return monthly. It reports estimated balances at ages 18, 28 and 65 so parents can see both the near-term and long-term effect of compounding.
Trump Accounts are new and guidance can evolve. Review the IRS Trump Accounts hub, the Form 4547 page, and your financial or tax professional before contributing or withdrawing.
The federal pilot contribution generally applies to eligible U.S. citizen children born from January 1, 2025 through December 31, 2028 who have a valid Social Security number. Confirm eligibility with the IRS and Form 4547 instructions.