⚠️ This is not a government website. Independent educational resource. Official site: TrumpAccounts.gov
Trump Accounts Guide
For Parents & Families

The government is putting $1,000 into an investment account for your child. Here's what that actually means.

If you just heard about "Trump Accounts" and you're wondering if this is real, what to do, and whether your kid qualifies — you're in the right place.

$1,000
Deposited by Treasury for every child born 2025–2028
$5,000/yr
Max families can add each year on top
July 5
Accounts go live, money starts being invested
What $1,000 could grow into — without adding a penny
Historical U.S. stock market returns (~10% avg/year). Not a guarantee.
$1K
Birth
$1.6K
5
$2.6K
10
$4.2K
15
$6.7K
18 🎓
$17K
30
$45K+
40
That's with zero additional contributions. Add $5,000/yr? Could be over $200,000 by age 18.

There's another $250 your child might get

The Dell Foundation pledged $6.25 billion to add $250 to Trump Accounts for children aged 10 and under in qualifying ZIP codes — areas where the median household income is below $150,000.

~80%
of American children qualify based on their ZIP code
This is on top of the $1,000 from the government. A qualifying child born in 2025 would start with $1,250 before you contribute a single dollar.

Based on Census Bureau median household income data. Final eligibility determined by the Dell Foundation. This is an estimate only.

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Answer a few quick questions — your kids' ages, ZIP code, employment — and I'll tell you exactly what you're eligible for and what to do next. Personalized to your family.

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Start the eligibility check →

How Trump Accounts work

1

You sign up by adding a form to your taxes

It's called Form 4547. TurboTax, H&R Block, any tax software will have it. You're telling the IRS "yes, I want this for my kid."

You can do this now
2

Treasury verifies your identity

Starting May 2026, Treasury reaches out to confirm who you are and activate the account. Watch for emails and mail — it's legit.

May 2026
3

The government deposits $1,000

July 5, 2026 — Treasury puts $1,000 in. It gets invested automatically in a low-cost stock market index fund.

July 5, 2026
4

You can add more — up to $5,000 a year

Optional. Your employer might also chip in up to $2,500 pre-tax. Ask your HR department.

After launch
5

Money grows until your child turns 18

Nobody can touch it. At 18 they use it for college, a first home, starting a business, or keep it growing.

Age 18

Guides & Resources

Deep dives into the stuff parents actually ask about.

📋
How to File Form 4547
Screenshots from TurboTax, H&R Block, FreeTaxUSA.
Coming soon
⚖️
Trump Account vs. 529
Can you have both? Which is better?
Coming soon
🔎
Dell Foundation $250
Who qualifies, which ZIPs, how it works.
Coming soon
🏢
Employer Benefits
Your company may add $2,500/yr pre-tax.
Coming soon
🎓
What Happens at 18
Withdrawal rules and qualified uses.
Coming soon
📈
Maximize the Account
What $100/month becomes over 18 years.
Coming soon
Official & Trusted Sources
L

About this site

Created by L — CFA Charterholder · Mom of Two

I've spent 15 years in investment management across some of the largest financial institutions in the country. When Trump Accounts were announced, I started getting texts from every parent I know asking "is this real?" The official resources are dense, and the brokerages just want to sell their version. So I built this — independent, no sales pitch, just clear information.