What a child's §530A account holds at 18, and what of it is taxable.
Open the Trump Account (child savings) tool →A Trump account is a savings account for a child under 18, created by the One Big Beautiful Bill Act as IRC §530A. Anyone may put money in — a parent, a grandparent, the child — up to $5,000 a year, and a child born from 2025 through 2028 gets a one-time $1,000 paid in by the Treasury under §6434, claimed by election rather than arriving on its own. Contributions could not begin before July 4, 2026.
We project the balance in the year they turn 18, which is the first year anything can be taken out.
The part worth reading twice: this is a tax-deferred account, not a tax-free one. §530A(a) treats it in the same way as a traditional IRA, so a withdrawal is ordinary income — and §530A(d)(2) leaves the $1,000 out of your basis, so the seed and all of the growth are taxable while only the money your family put in is not. What the account may hold is restricted too: funds tracking a qualified index, such as one following the S&P 500.
The return is your assumption and the projection is only as good as it. This is descriptive: it tells you what the rules do with your numbers, never whether to open one.
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