530A Plans

What will your child’s 530A account be worth, and how much of it is taxable?

A 530A account (the official name for a “Trump Account”) grows until your child turns 18. Enter what you plan to put in and see the balance, split into the part that comes back tax-free and the part that doesn’t.

Child’s birth year

Add the $1,000 federal deposit For children born 2025 through 2028. Untick it if it is already in the balance below.

Current balance

Family contribution per year

Contribute the maximum every year

Employer contribution per year

Up to $2,500. Counts toward the yearly cap.

One-time gift from a charity or state

Does not count toward the yearly cap.

Growth per year, before fees

Nobody knows future returns. 7% is a common long-run assumption for stocks; try 4% to see a weak market.

Also show the balance at age

Show in today’s dollars Removes inflation, so the numbers reflect what the money will buy.

More settings

Family contributions already in the balance

Inflation per year

Used for today’s dollars and to raise the cap after 2027.

Fund fee per year

The law caps fees at 0.10%.

Balance at 18

Left untouched until 60

What the balance at 18 is made of

The same plan at three growth rates

Growth per year	At 18	At 60

Treasury’s own example assumed 10.5% a year, which is higher than most long-run forecasts.

Balance by age

Year-by-year table

Age	Year	Family contributions	Federal, employer, gifts	Growth	Balance

Share these numbers

The link reopens the calculator with your numbers filled in.

The rules this calculator uses

The yearly cap is $5,000 for 2026 and 2027, then rises with inflation. Family and employer money count toward it. The $1,000 federal deposit and gifts from charities or governments do not.
Employers can add up to $2,500 a year, which is part of the $5,000 cap, not on top of it.
Contributions stop on December 31 of the year the child turns 17.
Family contributions are made with after-tax money and come back out tax-free. The federal deposit, employer money, gifts and all growth are taxed when withdrawn.
Each withdrawal is a proportional mix of the tax-free and taxable parts.
From 18 the account generally follows traditional IRA rules. Early-withdrawal penalties may apply before 59½; check current IRS guidance.

Rules last checked October 8, 2026. Sources: IRS first guidance (EY summary), Treasury proposed regulations (Brownstein), employer contributions (DLA Piper).

How it calculates: whole years starting this year, contributions made mid-year, no contributions after 18, cap increases estimated from the inflation setting.

For education only. This is not tax, legal or investment advice, and the projections are estimates, not guarantees. 530A Plans is not affiliated with the U.S. Treasury or the IRS.