Free Calculator

Project Your Child’s Savings Growth

See how the $1,000 government seed grows into a meaningful financial start by age 18. Model monthly contributions and expected returns to find the right growth path for your family.

$1,000 Government Seed — seeded at birth 18-Year Compound Growth — tax-advantaged 100% Free — no account required

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Your Child’s Savings Details

Starting Balance The government seed amount

Child’s Birth Year

Monthly Contribution Optional

Expected Annual Return 7% is the historical average

Note: This projection uses compound growth with monthly compounding. Actual returns will vary based on market conditions and the investment options available within the account.

Enter your details and click
“Calculate Growth”

How the Calculator Works

The math behind compound growth on a child savings account.

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Compound Growth

Your money earns returns, and those returns then earn returns themselves. Over 18 years, this compounding effect dramatically multiplies both the initial seed and any additional contributions you make.

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The $1,000 Seed Advantage

The government seed is placed at birth — giving it the full 18-year compounding runway. Even without any additional contributions, that $1,000 grows to over $3,800 at a 7% annual return by age 18.

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Tax-Advantaged Accounts

Like a 529 or ESA, a Trump Account allows your money to grow tax-free or tax-deferred depending on the account type. The exact tax treatment depends on the specific account structure in your state.

Trump Account Calculator FAQ

Answers to the most common questions about Trump Account growth projections.

How does a Trump Account work?

A Trump Account is a tax-advantaged child savings account where the government seeds $1,000 at birth. Parents or guardians can contribute additional funds, and the money grows compound over time until the child turns 18. At that point, the funds can be used for any purpose without restrictions.

What is the $1,000 government seed?

The $1,000 seed is a one-time government contribution made at birth to jump-start the account. This seed money compounds over the full 18-year period, giving the account a meaningful head start even before any additional contributions are made.

Can I add money beyond the initial deposit?

Yes. While the government seeds $1,000 at birth, parents and guardians can contribute additional funds on a recurring or one-time basis. The calculator above lets you model the impact of adding monthly contributions on top of the seed amount.

What happens at age 18?

At age 18, the child takes full control of the account and can use the funds for any purpose — education, first home, starting a business, or building an emergency fund. There are no restrictions on how the money can be used, unlike 529 plans which must be used for qualified education expenses.

Is a Trump Account better than a 529?

It depends on your goals. A 529 plan offers tax-free growth for education expenses but has strict usage restrictions. A Trump Account is more flexible — funds can be used for any purpose at 18. For education-focused families, a 529 may still make sense. For maximum flexibility and future optionality, the Trump Account has a structural advantage. Use our comparison tool to see which is right for you.

What returns should I expect?

The calculator defaults to 7% annual return — the inflation-adjusted historical average for a diversified stock portfolio. You can adjust this to be more conservative (5-6%) for a bond-heavy allocation or more aggressive (8-10%) for an all-equity portfolio. The projection updates instantly as you change the slider.