Guides

Plain-English explainers on Trump Account rules, each fact-checked against IRS guidance and linked to the primary source. Start here if you want the "how" and "why" behind the numbers in the calculators.

How to open a Trump Account

Filing Form 4547, the ID.me verification step, deadlines, and the scam red flags to watch for.

$1,000 seed deposit: who qualifies

The five eligibility conditions, what doesn't disqualify you, and edge cases like twins and missed elections.

Employer contributions explained

The $2,500 tax-free workplace benefit, how it interacts with the $5,000 cap, and what to ask HR.

Trump Account vs. Roth IRA for kids

Why the earned-income rule is the whole difference, and why most families end up using both.

Withdrawal rules: taxes, penalties, and basis

Which dollars come out tax-free, the pro-rata rule, penalty exceptions, and the Roth-conversion move at 18.

What happens at age 18: a checklist

What changes automatically, what to decide, and the kiddie-tax and FAFSA timing traps to know about.

Looking for the calculators?

The guides above explain the rules; the tools below run the numbers. Growth Calculator projects your child's balance with the federal seed deposit and employer contributions. Trump Account vs. 529 compares the two after-tax, side by side. Roth Conversion at 18 models the one-time conversion tax bill against staying traditional to 65.

Everything on this site is educational — not financial, tax, or legal advice. Rules cited reflect guidance available as of July 2026 and may change; always verify against official sources before acting.