A few weeks ago, “Trump Accounts” officially went live.
Or at least the application process officially went live.
More on that here in case you missed it:
But there are still a lot of questions about how they work, so I thought I would give you all the info that you could possibly need, all in one place.
Credit to Ryan Greiser who did an excellent job pulling this all together.
Here we go:
Yesterday a client asked about Trump Accounts.
His son is 4. Doesn’t qualify for the $1,000 government seed. He figured they’d missed everything.
Most parents with kids 2-10 think the same right now.
He was right about the seed money. But wrong about the rest:
— Ryan Greiser, CFP® (@Greiser) February 19, 2026
1. What your kid actually qualifies for
Michael and Susan Dell are contributing $250 to kids age 10 and under, born before 2025, if the ZIP code median income is under $150,000.
Not government money. Doesn’t count toward contribution limits.
— Ryan Greiser, CFP® (@Greiser) February 19, 2026
2. Who can fund it and how much
Anyone can contribute: parents, grandparents, relatives, friends, employers, charities.
$5,000 per year per child, total across all contributors.
No earned income required—unlike a Roth IRA.
— Ryan Greiser, CFP® (@Greiser) February 19, 2026
3. How to open one
You can file IRS Form 4547 right now at https://t.co/3Md8Q9sbqr.
Or file it with your 2025 tax return by April 15, 2026. Most tax software will include it.
Accounts go live July 5, 2026. No withdrawals until age 18.https://t.co/5JjAqdQIzo
— Ryan Greiser, CFP® (@Greiser) February 19, 2026
A 4-year-old in 2026: $250 Dell + $5K/year until 18 = ~$70K total.
At 7%: ~$113K at 18 and ~$2.7M at 65.
An 8-year-old: ~$1.7M at 65.
A 16-year-old: ~$249K at 65.Starting at 4 isn’t the same as starting at birth. But still a lot better than starting at 16. pic.twitter.com/tZerEKn5ig
— Ryan Greiser, CFP® (@Greiser) February 19, 2026
My client’s son isn’t getting the $1,000 seed.
But he’s getting an account, a $250 Dell contribution, and a family maxing $5K a year starting this summer.
That’s not missing out.
— Ryan Greiser, CFP® (@Greiser) February 19, 2026
TL;DR — Trump Accounts for kids already born:
• $1K seed is for 2025-2028 newborns only
• Dell $250 for kids age 10 and under
• $5K/year limit, anyone can contribute
• File Form 4547 at https://t.co/3Md8Q9sbqr now
• 4-year-old starting today: ~$2.7M at 65— Ryan Greiser, CFP® (@Greiser) February 19, 2026
Here is the official Government link to sign up: https://trumpaccounts.gov/
Go grab them and tell your friends!
How do you see it?
