Research

# Trump Accounts Give the Next Generation a Jump Start on Saving

The White House
August 29, 2025
Trump Accounts Give the Next Generation a Jump Start on Saving Download

Overview

- The One Big Beautiful Bill permits Trump Accounts to be established for American children who have not reached age 18.
- An American child born after December 31, 2024 and before January 1, 2029 for whom a Trump Account is established will receive an initial $1,000 deposit from the government, with the potential for parents to contribute up to an additional $5,000 per year initially.
  - Employers may make an annual contribution of up to $2,500 to a Trump Account and that contribution will not impact the employee’s taxable income.
- CEA estimates that, under a scenario of average returns on the U.S. stock market, Trump Account balance for a baby born in 2026 will be:
  - $303,800 by age 18 and $1,091,900 by age 28 if maximum contributions are made.
  - $5,800 by age 18 and $18,100 by age 28 if no contributions are made.

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