WealthBuild Guide · Updated July 6, 2026
The government will invest $1,000 for your child.
Here’s how to claim it — and what the fine print says.
Trump Accounts went live July 4, 2026. Over 6 million kids are enrolled. Any child under 18 with a Social Security number can have one. Free to open, invested in the S&P 500, locked until 18.
How to open your child’s account
- 1
File the election
Submit IRS Form 4547 with your tax return, or elect online at TrumpAccounts.gov. You'll need your child's Social Security number. One account per child. Free.
- 2
Watch for the official email
Activation instructions come only from no-reply@TrumpAccounts.Treasury.gov. Accounts activate in waves.
- 3
Download the official app
Get the Trump Accounts app on the App Store or Google Play. Sign up with the same email you used for your election.
- 4
Activate the account
Follow the emailed instructions inside the app. You manage the account as custodian until your child turns 18.
- 5
Collect the seed money
Born 2025–2028? The $1,000 Treasury deposit started arriving July 4, 2026. Kids 10 and under born earlier may receive $250 from the Dell Foundation in eligible ZIP codes.
- 6
Contribute — if you want to
Optional. Up to $5,000/year combined from family and friends (after-tax); employers can add up to $2,500/year within that cap. Set recurring contributions in the app.
Ask the Trump Accounts Assistant
Answers grounded in Treasury guidance and verified reporting, updated as new IRS rules drop. Educational only — not advice.
Ask anything about eligibility, the $1,000 deposit, contribution limits, taxes, or scams.
An extra $250 for lower-income ZIP codes
A $250 Dell Foundation charitable deposit is available for up to 25 million children age 10 or younger (but born before January 1, 2025) living in ZIP codes with median incomes below $150,000. Enter your ZIP code below to see if your child qualifies.
Protect yourself from scams
Treasury will never call or text you about a Trump Account. Real emails come only from no-reply@TrumpAccounts.Treasury.gov. Never share passwords or one-time codes. Always type TrumpAccounts.gov directly into your browser.
Get guidance updates
The IRS and Treasury are still finalizing rules — rollovers to brokerages, Roth conversions, and new fund options are all pending. We track the announcements weekly and email you only when something actually changes.
Quick answers
Is this really free money?
Yes. Eligible U.S. citizen children born January 1, 2025 – December 31, 2028 receive a one-time $1,000 Treasury deposit once the election is filed. Some children born earlier qualify for a $250 Dell Foundation deposit, and some employers and states are adding more.
What is the money invested in?
Broad U.S. stock index funds only, with fees capped at 0.10%. The default for all accounts is the State Street SPDR Portfolio S&P 500 ETF (SPYM, 0.02% expense ratio). Treasury says four more index funds — IVV, VTI, SPTM, ITOT — are coming in the months ahead.
When can my child use the money?
Funds are locked until the year the beneficiary turns 18 (limited exceptions, such as an ABLE-account rollover for disabled beneficiaries). After that, traditional IRA rules apply — early withdrawals before 59½ are generally taxable and may carry a 10% penalty, with exceptions for education, a first home, and more.
Is $5,000 per parent?
No — $5,000 per child per year, combined across all individual contributors. The government seed and charitable contributions do not count against the cap.
I got a call or text about my Trump Account.
Treat it as a scam. Per Treasury, official communication is by email from no-reply@TrumpAccounts.Treasury.gov, and Treasury never asks for passwords or verification codes. Type TrumpAccounts.gov directly into your browser.