Who qualifies
Trump Account Eligibility Checker
Check whether a child can have a Trump Account, whether the $1,000 pilot contribution applies, and whether the announced Dell $250 gift might.
Born in 2026, opening in 2026
Under 18 at the end of 2026, with a Social Security number.
Born in 2026, a U.S. citizen with a Social Security number, and no earlier pilot election.
The Dell pledge covers children born before 2025; younger children are covered by the federal pilot instead.
A quick check based on IRS Notice 2025-68, not a determination.
Everything you enter stays in this browser and is not uploaded or saved. Results are illustrations based on the return you choose, not forecasts or investment advice. Rules come from IRS Notice 2025-68 and can change; confirm details with the IRS, trumpaccounts.gov or your account provider.
The rules this page checks
IRS Notice 2025-68 sets two separate tests.
- Opening an account: the child must not turn 18 before the end of the year the election is made, and must have a Social Security number issued before the election.
- The $1,000 pilot contribution: the child must be born in 2025 through 2028, be a U.S. citizen, have a Social Security number included with the election, and not already have a pilot election.
- The Dell gift is a private pledge, not part of the law. As announced, it covers children age 10 and under born before 2025 in ZIP codes with a median income below $150,000. This page cannot check ZIP codes.
How to make the election
The IRS says the election can be made on Form 4547, filed with a tax return or separately, or online at trumpaccounts.gov. The Treasury and the IRS make the final decision; this page only helps you see where you stand.
The studio notebook
A useful place to begin.
Clear steps, considered details, and ideas you can put to use.
How Trump Accounts work, in plain English
What a Trump Account is, who can have one, where the money can be invested, and what happens when the child turns 18.
Trump Account contribution limits for 2026 and 2027
The $5,000 yearly limit, the $2,500 employer limit, the money that does not count toward either, and the calendar-year rule.
The $1,000 Trump Account pilot contribution: who gets it and how
Who qualifies for the one-time $1,000 federal deposit, how to claim it, and how it fits with the rest of the account.
Trump Account or 529 plan: which to fund first
How the two accounts differ on taxes, flexibility and limits, and how families can decide where the next dollar goes.
Trump Account taxes and withdrawals at 18
What changes when the growth period ends, how withdrawals are taxed, and when the 10% additional tax applies.
What a Trump Account can invest in, and why fees matter
The eligible investment rules, the 0.1% fee cap, and how a few hundredths of a percent change the balance by 18.