Trump Account Contributions: Limits and Sources
Money can flow into a Trump Account from several sources, but most of it shares a single annual cap.
The annual limit
The general limit is $5,000 per child per year for 2026 and 2027, indexed for inflation after 2027. Contributions can come from parents, other family, friends, and the child.
Employer contributions
An employer may contribute up to $2,500 per employee per year. That amount counts toward the $5,000 limit and is generally tax-free to the employee.
The government $1,000
The one-time $1,000 federal contribution for eligible children is separate from the amounts families and employers add each year.
Estimate long-term growth
Use the calculator to picture how steady contributions could grow. It is an illustration only, not a prediction or guarantee.
Illustration only. This is a simplified estimate, not financial advice and not a guaranteed result. It assumes a constant return and ignores taxes and fees. Investment values rise and fall. Confirm current rules and limits with official sources.
Rules can change. Before you act, confirm the current details with official sources such as the IRS and the U.S. Department of the Treasury, and the official program site at trumpaccounts.gov.