Trump Account growth calculator
See what your child's account could hold at 18, with the Treasury deposit, your own contributions and any employer money.
By the Sproutcalc team · Figures last checked · How we calculate
Estimated balance at 18
$44,179
at 7% a year, before any tax at withdrawal
You put in$21,600
Employer puts in$0
Treasury deposit$1,000
Investment growth$21,579
Family plus employer money is capped at $5,000 a year, with the employer part at most $2,500. We've used the capped amounts.
Returns aren't guaranteed. Markets fall as well as rise. Fees of up to 0.1% a year aren't included.
How the balance grows
Year by year
Same example: $1,000 deposit at birth, $1,200 a year from family, 7% a year.
| Child's age | Total put in | Estimated balance |
|---|---|---|
| Age 0 | $1,000 | $1,000 |
| Age 5 | $7,000 | $8,303 |
| Age 10 | $13,000 | $18,547 |
| Age 15 | $19,000 | $32,914 |
| Age 18 | $22,600 | $44,179 |
How we calculated this
- The $1,000 deposit grows from the child's age today to 18.
- Family and employer money is added at the end of each year, capped at $5,000 in total.
- Each year's balance grows by the return you chose.
Questions people ask
Is 7% a realistic return?
It's an assumption, not a promise. Try 5% and 6% to see a more cautious range.
Is the money taxed at 18?
After the growth period most traditional IRA rules apply, so earnings are generally taxed when withdrawn.