How much is a Trump Account worth at 18 with just the $1,000?

With only the $1,000 federal seed and no further contributions, a Trump Account reaches roughly $3,400 by age 18 at a 7% average annual return (about $2,400 at 5% and $4,700 at 9%).

How much is a Trump Account worth at 18 with $100 a month?

Contributing about $100/month ($1,200/year) on top of the $1,000 seed grows to roughly $47,000 by age 18 at a 7% return, from about $22,600 contributed.

What is the maximum a Trump Account can be worth at 18?

Contributing the maximum $5,000 per year for 18 years grows to roughly $185,000 at a 7% return (about $150,000 at 5% and $230,000 at 9%), from $91,000 contributed.

How Much Is a Trump Account Worth at 18? (2026 Examples)

Projected value at age 18 (newborn, 18 years of growth)

Contribution plan	Total you put in	At 5%	At 7%	At 9%
Just the $1,000 seed	$1,000	$2,407	$3,380	$4,717
+ $50/mo ($600/yr)	$11,800	$20,130	$25,207	$31,728
+ $100/mo ($1,200/yr)	$22,600	$37,853	$47,035	$58,739
+ $250/mo ($3,000/yr)	$55,000	$91,024	$112,517	$139,772
Max $5,000/yr	$91,000	$150,102	$185,275	$229,809

Assumes the $1,000 federal seed in year one (eligible children born 2025–2028) plus level contributions each year, compounding annually. 7% is a common inflation-adjusted long-run S&P 500 assumption; real markets vary year to year. Educational estimate, not advice.

Model your own number →

The big takeaway

The headline "$1,000 free" is the hook, but on its own it's modest — about $3,400 by age 18. What actually builds wealth is the contributions you stack on top:

$100/month — the price of a few takeout dinners — turns into roughly $47,000 by 18 at a 7% return.
Maxing it ($5,000/yr) reaches about $185,000 — and if your child leaves it invested instead of withdrawing at 18, it keeps compounding for decades.
Time matters more than amount. Starting at birth gives 18 full years of compounding before adulthood — and potentially 40+ more if untouched.

One caveat worth repeating: this is a traditional-IRA-style account, so the growth is taxed as ordinary income when withdrawn — it's tax-deferred, not tax-free. More on the tax treatment, or see how it compares to a 529 and custodial Roth.

What if the money is left untouched?

The numbers above stop at 18. But the account converts to a traditional IRA then — if your now-adult child leaves it alone, compounding continues. Even the $1,000 seed by itself, untouched to age 59½, grows to roughly $56,000 at 7%. The max-contribution scenario left to retirement reaches into the millions. The calculator shows the "left untouched to 59½" figure for any scenario you enter.