Trump Account Growth Calculator

Public test environment: content is being updated for September 30, 2026 temporary regulations and is not approved for production use or search indexing.

Calendar-aware assumptions

Model a contribution plan

Child-period contributions stop on December 31 of the calendar year in which the child turns 17. The model uses the birth date and projection start date instead of rounding from a whole-number age.

Account-state check: family and employer contributions should be modeled only after the receiving Trump Account has been claimed, established, and activated. An unclaimed auto account cannot accept them.

This projection runs locally in your browser. It is an illustration, not a forecast, tax estimate, investment recommendation, or confirmation that an account can accept contributions.

Illustrative projection

At age 18

Hypothetical balance$37,922

Total contributed$21,700

Hypothetical growth$16,222

Estimated fee impact$399

Return scenarios

Annual return	Balance
4.0%	$31,195
6.0%	$37,922
8.0%	$46,346

Contributions modeled for 207 month-ends, through 2043-12-31. Returns are not guaranteed. Taxes and withdrawals are not modeled.

Calculation method

The model calculates the statutory growth-period end from the birth date: December 31 of the calendar year in which the child turns 17. It applies a monthly equivalent of the selected annual return, subtracts monthly equivalents of the fund-expense and account-fee assumptions, deposits monthly family contributions at month-end, and deposits annual family and employer contributions at December 31.

The “fee impact” compares the same cash flows with and without both fee assumptions. The 0.10% ceiling applies to the eligible investment fund; separate trustee or intermediary fees require their own analysis. Partial months, taxes, inflation, tracking error, market sequence, actual deposit timing, and withdrawals are not modeled.