What is a 530A Trump Account?

A 530A Trump Account is a tax-deferred custodial traditional IRA for U.S. citizen children under age 18 with a valid Social Security Number. It was established under IRC §530A by the One Big Beautiful Bill Act (P.L. 119-21), enacted July 4, 2025. At age 18 the account converts to standard traditional IRA rules.

Is this the same as a 529 plan?

No. A 529 plan is a state-sponsored education-savings plan. A 530A Trump Account is a federally created traditional IRA for children, codified under IRC §530A with a $5,000 annual aggregate contribution cap.

How does the $1,000 seed work?

Under IRC §6434 (the Trump Accounts Contribution Pilot Program), the Treasury makes a one-time $1,000 federal contribution for eligible U.S. citizen children born between January 1, 2025 and December 31, 2028. Parents elect via IRS Form 4547 by December 31 of the year the child turns 17.

What are the annual contribution limits?

Total contributions are capped at $5,000 per child per year (indexed for inflation after 2027). Employer contributions are capped at $2,500 per employee per year and count toward the $5,000 cap but are excluded from the employee's income. Contributions must be in cash and cannot be made before July 4, 2026.

When can funds be withdrawn?

During the growth period (birth to the year before age 18), no distributions are allowed except for rollovers, excess-contribution corrections, or the beneficiary's death. After age 18 the account follows traditional IRA rules — distributions are taxable as ordinary income and a 10% early-withdrawal penalty applies before 59½ (with the usual IRA exceptions).

Terms of Service

Last updated: June 15, 2026

Welcome to the 530A Trump Account Calculator (“the Site”). By accessing or using this website at 530acalc.com, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Site.

1. Educational Purpose Only

The Site provides free online financial calculators and educational content related to 530A Trump Accounts (IRC §530A), 529 Plans, Roth IRAs, compound interest, and general savings projections. All content, projections, and calculations are provided for educational and informational purposes only.

Nothing on this Site constitutes financial advice, tax advice, legal advice, or a recommendation to open, fund, or manage any particular investment account. The projections generated by our calculators are hypothetical estimates based on user-provided assumptions and do not predict or guarantee actual investment results.

2. No Professional Relationship

Use of this Site does not create a fiduciary, advisory, professional, or client relationship between you and the operators of the Site. You should consult with a qualified financial advisor, tax professional, or attorney before making any financial or investment decisions.

3. Accuracy of Information

While we strive to provide accurate and up-to-date information about tax law (including IRC §530A and §6434 as enacted by P.L. 119-21), we make no representations or warranties about the completeness, accuracy, reliability, or suitability of any information on the Site.

Tax law and Treasury regulations are subject to change. The implementation details of 530A Trump Accounts are still being finalized. Always refer to official IRS publications, Treasury guidance, and the text of applicable statutes for authoritative information.

4. Investment Risk Disclaimer

All investment involves risk, including the possible loss of principal. Past performance of stock market indices does not guarantee future results. The default return assumptions used in our calculators (e.g., 4%, 7%, 10%) are based on historical averages and are not forecasts of future performance.

530A Trump Accounts require investment in mutual funds or ETFs tracking U.S. stock indices. The value of such investments fluctuates with market conditions and may be worth more or less than the original amount invested at any given time.

5. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not:

Violate any applicable local, state, national, or international law or regulation.
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You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission, except for personal printouts of calculator results or PDF reports generated through the Site's built-in features.

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To the fullest extent permitted by applicable law, the Site operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the Site, including but not limited to:

Financial losses resulting from reliance on calculator projections.
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In no event shall our total liability exceed the amount you paid to use the Site (which is $0, as the Site is free).

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12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated revision date. Your continued use of the Site after changes are posted constitutes acceptance of the modified Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which the Site operators are located, without regard to conflict of law principles.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

15. Contact

If you have questions about these Terms of Service, please contact us at support@530acalc.com.