Put money in
Under the childhood rules, family and employer contributions generally share a $5,000 yearly limit. The kids don’t need a job to receive contributions.
01 / SAVING FOR THE KIDS
Monthly savings
for each kid.
Trump Accounts for Nolan, Greyson, Charlie and Miles. What $100, $200 or another monthly amount could grow into, what we’d put in total, and our ages during each contribution period.
NolanGreysonCharlieMiles
Prepared October 9, 2026 · These are examples, not guaranteed returns.
02 / HOW TRUMP ACCOUNTS WORK
How Trump
Accounts work.
How the money grows
During childhood, the money is invested in low-cost funds that track mostly U.S. stocks. There’s no yearly tax on the earnings while the money stays in the account. The balance can still go down.
What changes at 18
Traditional IRA rules generally take over on January 1 of the year each kid turns 18. Contributions can continue, but they generally need earned income and room under the IRA contribution limit.
03 / TRY A MONTHLY AMOUNT
Projected balances
for each kid.
Money put inGrowth
Deposits start at the end of October 2026. After the selected stop date, the money stays invested with no more deposits or withdrawals. These are future dollars, before withdrawal taxes, with no adjustment for inflation. After the childhood rules end, this assumes each kid has enough earned income and room under the IRA contribution limit.
04 / STOP AT 18, 25 OR 30?
Stopping contributions
at 18, 25 or 30.
All three plans use the same monthly deposit and assumed return. These are the balances on each child’s 25th birthday.
| Child | Stop before 18 Balance / money put in | Stop at 25 Balance / money put in | Stop at 30 Balance / money put in |
|---|
Each balance includes deposits and investment growth. After the stop date, no more money goes in or comes out.
05 / WHAT WE NEED TO DECIDE
Budget and next steps.
Monthly budget
One decision: the same monthly amount for each kid, or contributions aimed at similar balances as adults.
Starter money
None of the four kids qualify for the federal $1,000 newborn deposit. Nolan is outside the Dell program’s 2016–2024 birth range. Greyson, Charlie and Miles may get the Dell money, depending on our ZIP code’s eligibility and when they were enrolled.
Contributions after 18
Continuing to 25 or 30 requires enough earned income from each kid during those adult contribution years. The other decision is whether this is retirement money or money for something sooner.
Sources and how the numbers were calculated
Rules checked October 9, 2026. For automatic enrollment, the Dell program’s current cutoff is approximately $118,000 in median family income for the ZIP code. ZIP 85212’s reported median family income is about $133,598. Children enrolled before October 1 may still fall under the earlier eligibility rules. Check the actual account balances before counting on the deposit.
- IRS: Trump Account eligibility and contributions
- IRS: investments, taxes and what changes at 18
- IRS: traditional IRA contribution rules
- Dell contribution: current eligibility
- ZIP 85212 income data
The calculations assume a constant effective annual return, compounded over the actual number of days, with deposits at the end of each month and no withdrawals. The 4%, 7% and 10% choices are examples, not forecasts. The assumed return is after investment fees. No future employer contributions or other grants are included. Plans that continue to 25 or 30 can already show a higher balance at 18 because deposits continue during the year the child turns 18.
06 / OUR FAMILY BUDGET
Monthly and yearly
family contributions.
How contributions drop as each kid reaches the stop date
| When | Kids receiving contributions | Monthly total | Yearly pace | Me / Madison Ages during period | Period total |
|---|
“Yearly pace” means 12 months at that monthly amount. The period totals and yearly breakdown count the actual deposits, including partial years. Our ages are shown at the first and last deposit of each period. These totals only count family deposits. Starter gifts and investment growth aren’t included.
Calendar-year contributions
| Year | Family deposits | Me / Madison Ages on December 31 |
|---|