Project a child's Trump Account to age 18

Model the new federal Trump Account: a one-time $1,000 government grant, your annual contributions, and tax-deferred S&P 500 growth — capped at a 0.10% expense ratio — compounding until the year the child turns 18.

Your assumptions

Adjust the inputs to model a specific child's account.

Child's current age 8 yrs

Eligible from birth through age 17. Growth runs until the year they turn 18.

Annual contribution $700

Combined limit from all individuals & employers is $5,000/yr (after-tax).

Government grant

One-time $1,000 seed for U.S.-citizen children born 2025–2028. Toggle off to compare.

Assumed annual S&P 500 return 5.5%

Expense ratio 0.10% cap applied · net return 5.40%

Projected value at age 18

— years of tax-deferred compounding · grant + contributions + market growth

Total invested

Grant + your contributions

Net market growth

After fees · 0% of balance

Fees paid (lifetime)

0.10% ratio · already deducted

Year-by-year growth

Invested Market growth

View the year-by-year breakdown ▾

Age	Year	Contribution	Invested to date	Fees	Balance

How this works & key assumptions

The federal government seeds a one-time $1,000 grant for eligible U.S.-citizen children born Jan 1, 2025–Dec 31, 2028.
Combined contributions from individuals and employers are capped at $5,000 per year (after-tax); contributions are assumed at the start of each year.
During the growth period, funds must track a qualified U.S. index such as the S&P 500 with an expense ratio at or below 0.10%, which this model subtracts from your assumed gross return.
Growth is tax-deferred until the year the child turns 18, when the account converts to traditional-IRA treatment. This tool shows the pre-conversion balance and does not model later income tax on withdrawals.
Projections are illustrative; actual market returns vary year to year. Sources: IRS — Trump Accounts, Charles Schwab.