For Parents & Families · July 2026 Launch
The government is putting $1,000 into an investment account for your child.
Here's what it actually means, whether your child qualifies, and what to do before July 5.
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$1,000
Gov't seed deposit, every child born 2025–2028
$5,000
Max families can add per year
July 5
Accounts go live, 2026
What You Need to Know
Key facts for parents
Who qualifies for the $1,000
Any U.S. citizen child with a Social Security Number born between January 1, 2025 and December 31, 2028 receives a one-time $1,000 federal seed contribution — automatically. Source: TrumpAccounts.gov
Older children can still have an account
Any child under 18 with a Social Security Number is eligible for a Trump Account. Only those born in the 2025–2028 window receive the free $1,000 government seed.
You can add up to $5,000 per year
Parents, grandparents, family members, employers, and nonprofits can all contribute. There's no earned-income requirement. Contributions are tax-deferred. Source: Fidelity
Money goes into S&P 500 index funds
Funds must be invested in mutual funds or ETFs tracking the S&P 500 or a similar U.S. equity index. No individual stocks or crypto. Source: Vanguard
Locked until age 18, then like a traditional IRA
Withdrawals aren't allowed until January 1 of the year your child turns 18. After that, the account follows traditional IRA rules — taxed on withdrawal, penalty-free after 59½. Source: Charles Schwab
How to register: IRS Form 4547
File IRS Form 4547 with your taxes or go directly to TrumpAccounts.gov. Accounts open July 5, 2026 — but you can make your election now. Source: IRS.gov
Recent news & updates
Regulation
March 6, 2026
Treasury & IRS release first proposed regulations for Trump Accounts
The IRS published its first proposed rules governing how Trump Accounts will work, covering account setup, investment requirements, and the pilot-program contribution. Public comment period closes May 8, 2026.
Read full article
Via Sidley Austin · IRS.gov
Private Funding
December 2, 2025
Dell Foundation commits $6.25 billion to seed accounts for 25 million children
Michael and Susan Dell announced a $6.25 billion donation to fund $250 contributions for children under 11 in ZIP codes where median family income is below $150,000 — regardless of birth year.
Read full article
Via CNN Business · CNBC
Enrollment
2026
4 million+ children already enrolled ahead of July 5 launch
More than four million children are already signed up for Trump Accounts, with over one million elections submitted for the $1,000 pilot-program contribution ahead of the July 5 launch date.
Visit TrumpAccounts.gov
Via TrumpAccounts.gov
Growth Potential
2026
Maximum-funded account could reach $191,000 by age 18
Financial analysts at Vanguard and Fidelity estimate that a Trump Account opened at birth and contributed to at the $5,000 annual maximum could grow to more than $191,000 by age 18, assuming historical S&P 500 returns.
Read full analysis