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.

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

• Trump Account

• Child Savings Account

Which babies are included?

Babies born after December 31, 2024 and before January 1, 2029. They must have a social security number.

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.

When can the account reach 1 million?

There are many ways the account could reach a million. One example is with annual contributions of $5,000 and an average annual growth rate of 12%. This would result in over a million by 30.

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.

Are employer contributions tax-deductible?

Employer's contributions (up to $2,500) are not included in the employee's taxable income.

Will contribution limits increase?

Potentially. Contribution limits are expected to adjust with inflation beginning in 2027.

Is there a way around the $5,000 annual contribution?

Yes! According to the IRS, certain governmental entities and charities can make contributions in addition to the $5,000 annual limit. For example, the Michael and Susan Dell Foundation announced a $250 contribution in December 2025 and encouraged other foundations to do the same. This means that there may be more contributions in the future and the child must have an account to receive them.

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 want to estimate growth for children ages 2-10, you can find our Dell calculator here. If you have a pre-teen or teen, try our Invest America calculator here.

You can also browse money-themed gifts below.