Project the future value of a 530A Trump Account — a tax-deferred investment account for children under 18, with a one-time $1,000 federal seed for eligible newborns.
Cap: $5,000/yr aggregate. Employer portion up to $2,500.
Withdraw at age 18.
Based on 18 years at 7% annual return.
Using the 4% safe-withdrawal rule
Growth earned as % of contributions
Years until: 18
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Enacted July 4, 2025 under the One Big Beautiful Bill Act (P.L. 119-21) and codified at IRC §530A and §6434. Here's what it actually is.
A new tax-deferred IRA for U.S. citizen children under 18 with a valid SSN. Converts to a standard traditional IRA at age 18.
A one-time Treasury contribution for eligible children born Jan 1, 2025 – Dec 31, 2028. Parents elect via IRS Form 4547.
Aggregate yearly contribution limit (inflation-adjusted after 2027). Employers may add up to $2,500/yr. Cash contributions begin July 4, 2026.
530A Trump Accounts are a new category of tax-deferred custodial traditional IRAs for American children. They were established by the One Big Beautiful Bill Act (Public Law 119-21), which was signed into law on July 4, 2025, and are codified under Internal Revenue Code Sections 530A and 6434.
Individual contributions are after-tax (non-deductible) and create basis. Employer, government and nonprofit contributions do not create basis and are fully taxable on withdrawal. Implementation details are still rolling out — see IRS Notice 2025-68 and subsequent Treasury guidance.
Everything you need to know about the proposed 530A account.