Trump's Baby Bonus Calculator

Babies born between 2025 and 2028 are eligible for $1,000 investment accounts. Calculate how much the account can grow with (or without) annual contributions.

Money-Themed Gifts

What are other names for this account?

The official name in the "One Big Beautiful Bill Act" is "Trump Accounts and Contribution Pilot Program." Across the web the account is being referred to as:

• Baby Bonds

• Trump Baby Bonus Account

• Trump Newborn Account

• Trump Newborn Savings Plan

• Trump Newborn Savings Account

• MAGA (Make America Great Again) Account

• Child Savings Account

How much can the account grow?

According to our calculations, the $1,000 could grow over $5,000 in 30 years without any additional contributions. This assumes that the average annual return is 6%. If families contribute $5,000 on an annual basis, that same account could grow to over $420,000.

Which babies are included?

Babies born after December 31, 2024 and before January 1, 2029. They must be American citizens with a social security number.

Can families opt out?

Yes. The "opt-out" sentiment may be due to the fact that some parents feel 529s and roth accounts offer better benefits and less limitations . Either way, if the $1,000 from the government is the only contribution that sits in the account, it can still be a thoughtful "welcome to adulthood" gift when the child reaches 18 and 30 years old.

How is the savings account different from other baby savings accounts?

Trump's newborn savings accounts are being treated as custodial trusts and retirement accounts combined. Which means withdrawals are restricted until a certain age, and there are penalties if not used as intended by the bill.

What are some pros and cons?

How many contributions does the government make?

The government makes a one-time contribution of $1,000.

How to keep the account secure?

Your little one's baby bonus may be the first of many accounts that need a unique username and password. Password organizers (like this one) can be extremely helpful especially as the family grows and more online profiles are created.

If you're looking for other ways to save, we list traditional savings accounts (for little ones) here.