Stewardship Financial · Mesa / East Valley, AZ
Trump Account
Calculator
Calculator
Model your child's growth to age 18 — or run the full Roth conversion strategy.
Children born Jan 1, 2025 – Dec 31, 2028 receive a $1,000 government seed deposit
Child's Info & Deposit
Age Input Method
Child's Current Age Newborn
NewbornAge 17
Date of Birth
Trump Accounts are available for U.S. citizen children under age 18. The account converts to a traditional IRA when the child turns 18.
Govt. $1,000 Seed Deposit
Only U.S. citizens born Jan 1, 2025 – Dec 31, 2028 with a valid SSN qualify for the $1,000 government contribution. All other children under 18 may still open an account.
Annual Deposit $2,500/yr
$0$5,000 max
Max $5,000/year (inflation-indexed after 2027). Employers may contribute up to $2,500 pre-tax via Section 125 cafeteria plan.
Return Scenarios
Return Rate click to toggle • edit % to customize
Conservative
%
Historical Avg
%
Strong Market
%
Default rates are based on rolling S&P 500 returns per White House CEA analysis. Edit any % to model your own assumption. Trump Accounts invest in low-cost U.S. stock index funds only (0.10% expense cap).
Conservative
6% avg annual return
$0
Total contributed: $0
Historical Avg
10% avg annual return
$0
Total contributed: $0
Strong Market
14% avg annual return
$0
Total contributed: $0
Growth Over Time (to Age 18)
For illustration purposes only. Projections are hypothetical and do not guarantee future results. Trump Accounts (also known as 530A accounts) invest in low-cost U.S. stock index funds only during the growth period. Contributions are not tax-deductible; growth is tax-deferred and withdrawals after age 18 are taxed as ordinary income under traditional IRA rules. No withdrawals are permitted before age 18. Accounts launch July 4, 2026. Consult a qualified tax advisor before making investment decisions. stewardship.pro
The Advanced Play
Convert $86K into $2.89M Tax-Free
The Trump Account isn't just a savings account. It's a Roth conversion vehicle. Compound tax-deferred from birth. Wait until your child is 22, independent, and in a low bracket. Then convert. Pay tax once at a blended rate you'll likely never see again. Let 37 years of Roth growth do the rest. Adjust the assumptions below to model your own numbers.
Max $5,000/yr. Contributions stop at age 18.
One-time government contribution at birth.
%
Applied throughout all phases.
Earned income when conversion begins. Affects bracket math.
When the child is independent and in their lowest bracket.
%
Applied after conversion into the Roth IRA.
The Three-Phase Strategy
Phase 1
Birth to 18
Build the account
Build the account
Total contributed
$91,000
Account at age 18
$168,000
Contributions stop. Account rolls to a traditional IRA. The growth period is over. The tax-deferred clock keeps running.
Phase 2
18 to 22
Wait for the window
Wait for the window
Account at conversion age
$220,000
Tax-free basis ratio
38.5%
Don't convert at 18. The kiddie tax applies and career income is low but rising fast. Wait until your child is independent with a low W-2 income.
Phase 3
Convert & Grow
Tax-free for decades
Tax-free for decades
Total tax paid
$25,183
Blended tax rate
17.9%
Convert across 2 years to fill the 12% and 22% brackets. Pay once at a blended rate you'll likely never see again.
Full Wealth Timeline (Birth to Age 60)
Roth Conversion Breakdown
| Year | Age | W-2 Income | Amount Converted | Bracket | Tax on Conversion | Cumulative Tax |
|---|
Tax-Free Roth Growth Milestones
For illustration purposes only. This model uses 2026 federal tax brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%). Tax law can change. The Roth conversion window depends on the child's independence, income, and filing status. Basis ratio calculations assume pro-rata rules apply. This is not tax advice. Consult a qualified tax advisor before executing any Roth conversion strategy. stewardship.pro