05/21/2026
What if you could give a child a $1.7 million retirement gift — starting today?
That's the potential of a Trump Account.
Signed into law on July 4, 2025, these new tax-deferred accounts let parents, grandparents, relatives, employers, and even friends contribute up to $5,000 per year toward a child's retirement — with no earned income required to qualify. Children born between 2025 and 2028 may also be eligible for a $1,000 government seed contribution, just by checking a box on your tax return.
Here's what makes these accounts so powerful:
• $5,000/year max contribution — no income requirement
• Tax-deferred growth until age 18, then converts to a Roth IRA
• At a conservative 4.5 percent return, a fully funded account could reach about $1.7M by age 74
• Contributions open July 4
Whether you're a parent, grandparent, employer, or financial planner — Trump Accounts are worth understanding now.
Read our full guide to eligibility, contribution rules, and the incredible compounding potential.
Trump Accounts offer tax-deferred retirement savings for children, with a $1,000 government contribution available for eligible children. Learn eligibility rules, contribution limits, and growth potential.