InvestAmerica
The independent guide to Trump Accounts

Every child born 2025 to 2028 gets a $1,000 head start.

See what your child's account could grow into, who gets which gifts, and how to claim it. Plain English, no sign up.

Plan your child's account How to claim it

Independent. Not the U.S. government, the IRS, trumpaccounts.gov, or Invest America.

By their 18th birthday

$3,380

from the $1,000 gift alone

Assumes 7% a year after the 0.1% fund fee, until the end of the year your child turns 17. A projection, not a promise. Open the planner

Where the money comes from

Four kinds of gifts can land in a Trump Account. Here is who gets each.

$1,000

A gift from the Treasury

A one time deposit for U.S. citizen children born January 1, 2025 through December 31, 2028 with a Social Security number. A parent elects it on IRS Form 4547.

Born 2025 to 2028

$250

The Dell gift

Michael and Susan Dell pledged $250 each for up to 25 million children born 2016 through 2024 who live in ZIP codes with a median income of $150,000 or less.

Born 2016 to 2024

$5,000

Family and friends

Parents, grandparents, relatives and friends can give up to $5,000 a year in total per child, through the gift link in the official app.

Every year until 18

$2,500

Employers

An employer can put in up to $2,500 a year per employee, free of income tax, under a written plan. It counts toward the $5,000 yearly limit.

Through a written plan

Claim it in four steps

Most accounts already exist. They just have not been claimed yet.

  1. 1

    It already exists

    On October 1, 2026 the Treasury opened an account for every eligible child with a Social Security number.

  2. 2

    Claim it in the app

    A parent or guardian verifies their identity in the official Trump Accounts app or at trumpaccounts.gov.

  3. 3

    Ask for the $1,000

    For a child born 2025 to 2028, file Form 4547 in the app, online, or with your tax return. It is not automatic.

  4. 4

    Share the gift link

    Send the link and QR code from the app to grandparents before birthdays and the holidays.

Read the full guide

For employers

Help your team's kids get a head start.

Goldman Sachs, Delta, Visa and dozens of other employers have announced contributions. You can give up to $2,500 a year per employee, free of income tax, with a simple written plan and a few forms.

The Employer Plan Kit fills all of it in for your company in about ten minutes.

See the kit · $199View a sample plan