Trump Account Growth Calculator
Estimate how much your child's account could be worth at age 18 — and at retirement — based on your contributions and assumed market returns.
Estimated results
This calculator is for illustrative purposes only. It assumes contributions are made at the start of each year and that the annual return rate is constant. Real investment returns vary and are not guaranteed. This is not financial advice.
The balance at 18 is what the account may hold when it converts to a Traditional IRA — based purely on compounding math, not a guarantee. The retirement projection shows what that balance could grow to if untouched from age 18 to your chosen retirement age, still compounding at the same rate. The real outcome depends on actual market returns, contribution consistency, and tax treatment at withdrawal.
What these numbers mean in practice
The calculator above assumes contributions are made at the beginning of each year and compounds at a fixed rate — a simplified model. Real accounts will have variable annual returns, and the actual after-tax value at withdrawal depends on your income tax rate at the time of distribution.
A few things to keep in mind:
- Start as early as possible. The difference between opening at birth vs. age 5 is substantial — five fewer years of compounding on both the seed money and early contributions.
- Even small contributions matter. Contributing $1,000/year instead of $0 makes a meaningful difference over 18 years, and the compound effect amplifies that further to retirement.
- The government's $1,000 is free money. For eligible children (U.S. citizens born 2025–2028), the $1,000 seed costs nothing extra — it's worth claiming regardless of whether you plan to make additional contributions.
- Tax treatment at withdrawal. Unlike a Roth IRA, Trump Account withdrawals are taxed as ordinary income. Factor this into retirement planning — the pre-tax balance shown here is not the same as what you keep after taxes.
For a deeper look at how the account works and how it compares to alternatives, see the links below.