Quick answer. The $1,000 Trump Account pilot program contribution is for children born January 1, 2025 through December 31, 2028 who are U.S. citizens with a valid Social Security number, according to the IRS. A parent or guardian requests it on Form 4547. Enter a birth date below to see whether it falls in that window and which dates follow from it.
Check the birth-date window
Enter a date of birth to see the dates.
The checker only compares a date with the published window. Citizenship and the Social Security number are also part of the IRS rule, and the Treasury and IRS decide each election.
Hypothetical growth illustration
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The official rules
Trump Accounts are a new type of individual retirement account (IRA) for eligible children, created by Public Law 119-21, signed July 4, 2025. IRS releases call that law the One, Big, Beautiful Bill and the Working Families Tax Cuts. As published by the IRS and the Treasury:
- Who can have an account: a child with a valid Social Security number who has not turned 18 before the end of the year the election is made (IR-2026-42).
- How it's opened: a parent, guardian or other authorized individual files Form 4547, Trump Account Election(s), on paper or online, with a tax return or through a separate portal. Under proposed regulations, the election is due by December 31 of the year the child turns 17.
- Pilot contribution: a one-time $1,000 from the Treasury for a U.S. citizen child born January 1, 2025 through December 31, 2028 (IR-2025-117).
- Contributions: allowed from July 4, 2026 (IR-2026-42). Parents and other persons share an aggregate limit of $5,000 a year, indexed to inflation after 2027. An employer can contribute up to $2,500 a year, tax-free to the employee, and that counts against the $5,000 (IR-2025-117; IR-2026-90).
- Investments: during the growth period, a mutual fund or ETF tracking an index of primarily U.S. companies, with no leverage and fees of no more than 0.1 percent a year (proposed, IR-2026-96).
- Withdrawals: generally not before January 1 of the year the child turns 18; after that the account generally follows traditional IRA rules (IR-2025-117).
The Treasury said on July 2, 2026 that parents can download the official app, and it points families to trumpaccounts.gov (Treasury release). How the pilot contribution and gifts from governments or charities count toward the yearly limit isn't spelled out in the releases above; check trumpaccounts.gov.
Sources
- IRS IR-2025-117 (Dec. 2, 2025): Treasury, IRS issue guidance on Trump Accounts
- IRS IR-2026-33 (Mar. 6, 2026): Proposed regulations on how to open initial Trump Accounts
- IRS IR-2026-42 (Mar. 31, 2026): 4 million children signed up for Trump Accounts
- IRS IR-2026-90 (Aug. 11, 2026): Proposed regulations on employer contributions
- IRS IR-2026-96 (Aug. 20, 2026): Proposed regulations on eligible investments
- IRS: About Form 4547, Trump Account Election(s)
- U.S. Treasury press release SB0552 (July 2, 2026)
General information checked November 2026 against the IRS and Treasury pages above. Not tax, legal, financial or investment advice, and not affiliated with the IRS or the Treasury. Everything runs in your browser; nothing you enter is sent or saved.
Common questions
Which children are in the Trump Account pilot program?
The IRS describes the $1,000 pilot program contribution as a one-time Treasury deposit for a child who is a U.S. citizen with a valid Social Security number and was born January 1, 2025 through December 31, 2028. It is requested on Form 4547.
Can a child born before 2025 have a Trump Account?
The IRS says a Trump Account can be opened for a child with a valid Social Security number who has not turned 18 before the end of the year the election is made. Such a child isn't in the pilot birth-date window, so the $1,000 pilot contribution doesn't apply, but others can contribute to the account.
How much can family members put in each year?
The IRS gives an aggregate limit of $5,000 per year for contributions from parents and other persons, indexed to inflation after 2027. Employer contributions of up to $2,500 a year count against that $5,000.
When could contributions start?
The IRS said contributions can be made starting July 4, 2026.
What can the account invest in?
Under proposed regulations released August 20, 2026, an eligible investment is generally a mutual fund or ETF that tracks an index of primarily U.S. companies, such as the S&P 500, uses no leverage and charges no more than 0.1 percent a year. These rules apply until December 31 of the year the child turns 17.
Is the growth illustration a forecast?
No. It applies one fixed rate that you choose, with no fees, taxes or market swings. Real investment returns go up and down, and can be negative. It only shows how deposits and a steady rate compound.