Set your child up for financial success
Trump Accounts help you create a retirement nest egg for your child from birth. Get simple guides and updates on the $1,000 contribution program.
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Do you qualify?
Do you have a child under age 18?
Your questions, answered.
What is a Trump Account?
Think of it like a special retirement piggy bank for your child. The government deposits $1,000 for eligible kids born 2025–2028, and the money grows tax-deferred until they turn 18 — then it becomes a regular IRA.
Learn more →When does it start?
Sign-ups are open now — file IRS Form 4547 with your 2025 tax return or at TrumpAccounts.gov. Contributions begin July 4, 2026.
See timeline →What should I do now?
Relax! Just learn the basics and join our email list. We'll tell you exactly when it's time to take action.
Get updates →Important dates
We're watching for updates so you don't have to.
Account claiming begins
File Form 4547 with your 2025 tax return or via TrumpAccounts.gov.
Form 4547 e-filing live
Form 4547 can now be filed electronically at form.trumpaccounts.gov.
Activation steps
Treasury will send authentication information so families can complete account setup.
Contributions open
You can start adding money to the account. The $1,000 government contribution will also be deposited for eligible children.
How it works
Here's the short version.
Open or claim
A parent completes the official election process.
File at TrumpAccounts.govActivate account
Follow the setup steps to get the account ready.
We'll help you with thisContribute
Up to $5,000/yr in standard contributions permitted.
$5k/year limitWatch it grow
Funds are invested in low-fee U.S. equity index funds (fees capped at 0.10%).
Tax-deferred growth
What are Trump Accounts?
Trump Accounts are a new type of investment account designed to help children build long-term wealth. Key points:
- The federal government will deposit $1,000 into an account for each eligible child born 2025 to 2028, and families and their employers can add their own contributions over time.
- Contributions are invested in low-fee index funds tracking U.S. equities (such as S&P 500 funds), with annual fees capped at 0.10%.
- Funds cannot be withdrawn during the growth period (through the end of the year the child turns 17).
- After the growth period, the account becomes a traditional IRA into which the child can continue to contribute toward their retirement.
Family Guide to
Education Savings
Trump Accounts are a great savings tool — but are they the best choice for education? This free guide compares Trump Accounts, 529 plans, and other options to help you build the right strategy for your family.
Scott Morrison
Editor · Saving For College
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Frequently asked questions
No. TrumpAccounts.com is a helpful independent guide. We translate the complex rules into plain English for families. For official actions, you'll need to go to TrumpAccounts.gov.
For employers and organizations
Employer contributions
Employers can contribute up to $2,500 per year toward an employee's or their dependent's Trump Account (counts toward the $5,000 annual cap). Contributions are tax-free to the employee and generally deductible for the employer. Sign up for updates as operational guidance develops.
Organization contributions
Certain organizations may be able to fund contributions for defined classes of beneficiaries under program rules. We'll share updates on processes, minimums, and timing as they're released.