What could your child's 530A account be worth?
Every eligible U.S. child born 2025–2028 gets a $1,000 federal seed in a new tax-advantaged investment account. Small contributions now compound for decades. Drag the sliders — see the answer in seconds.
In today's dollars, assuming a 7% average annual return after inflation and a 0.03% fund fee. Actual results will vary — these are estimates, not guarantees.
See the full picture →What is a 530A account?
A 530A custodial account (marketed as a “Trump Account”) is a tax-advantaged investment account for minors created by the One Big Beautiful Bill Act of 2025. Money is invested in a low-cost S&P 500 index fund, grows tax-deferred, and belongs to the child at 18, when it behaves like a Traditional IRA. Anyone — parents, relatives, employers, even charities — can contribute up to a combined $5,000 per child per year.
Read the FAQ or check the statute and other primary sources on our Resources page. Rules verified as of 2026-07-12.
Why trust these numbers?
The calculator's math is open source, tested against an independent reference implementation to the cent, and every projection is labeled for what it is: an estimate with an honest range, never a promise. Your inputs never leave your device — there's no login, no tracking cookies, and nothing to sign up for. Why is this free?