Interactive Tool
Trump Account Growth Calculator
Model how a child's 530A account could grow with the $1,000 federal seed, annual contributions, and decades of tax-deferred compounding.
Trump Account Growth Calculator
Estimate how a child's Trump Account (530A) could grow with the $1,000 federal seed and annual contributions.
⚠️ Living in Canada? Read this before contributing.
Canada does not recognize Trump Accounts under the Canada–US tax treaty. For a Canadian-resident child, this is effectively a regular taxable account: the CRA can tax investment income annually, eliminating the US tax deferral this calculator assumes. The projections below reflect the US-resident experience.
- The free $1,000 federal seed (2025–2028 births) is usually still worth claiming
- Contributing your own money is generally not advisable for Canadian residents — funds are locked until 18, and RESPs (20%+ government grants) are usually a better option
- US employer contributions of up to $2,500/year may still be worth taking — run the numbers
Annual contribution
$5,000
Maximum $5,000/year in after-tax dollars, through age 17.
Expected annual return
10%
S&P 500 historical average is roughly 10% before inflation.
Show results at age
60
Contributions stop at 18; the balance keeps compounding.
Value at age 18
—
Value at age 60
—
Total contributed: —
Projected balance
Amount contributed
Projections are hypothetical, assume constant annual returns and US-resident tax treatment, and are for illustration only — not a guarantee of future results or tax, legal, or investment advice. Trump Account (IRC §530A) rules are new and evolving; the $5,000 limit is indexed after 2027, and Canadian tax treatment remains unsettled. Canadian-resident families may face annual Canadian taxation on account growth — consult a qualified cross-border professional before contributing. © Beacon Hill Wealth Management Ltd.
Have Questions About Trump Accounts?
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