Invested automatically
Every gift is invested, usually within one business day, in a low-cost fund that tracks the S&P 500: hundreds of the largest U.S. companies.
Trump Accounts overviewHolidays
Give Charlotte a gift that grows.
A holiday gift for Charlotte’s future.
Every gift goes into Charlotte’s Trump Account
GiftGrows never holds gift money.
Not affiliated with the U.S. Treasury, the official Trump Accounts program, or its trustee.
What is a Trump Account?
An investment account made for the long run.
A Trump Account is a new kind of tax-deferred investment account for children. It follows traditional IRA rules, with a few special ones while the child is young. Anyone in a child’s life can give to it: on the official contribution site, or by sending a gift to the parent, who adds it to the account.
Grows tax-deferred
No tax on the growth year after year, so more of the money stays invested and keeps compounding.
IRS: Trump AccountsTheirs at 18
The child owns the account, and the money stays invested while they grow up. When the childhood rules end, by 18, it follows traditional IRA rules: they can keep it growing, or use it for things like college or a first home.
IRS: Form 4547 instructionsUp to $5,000 a year
Everyone who gives shares a $5,000 cap per child each year. The cap runs through the year the child turns 17.
Contributions FAQWhy your gift matters. Only children born in 2025 through 2028 can get the one-time $1,000 deposit from the U.S. Treasury. Whether or not Charlotte did, gifts from the people in Charlotte’s life are how the account grows.
Growth calculator
See what one gift could become.
Pick an amount and see how it might grow for Charlotte. Time does most of the work.
A $50 gift today could grow to about $92 by the time Charlotte is 18, and $1,576 if it stays invested until Charlotte is 60. Illustration only, not a promise.
Charlotte · you give $50
Illustration only, not a promise. It assumes the same 7% return every year, which real markets never deliver: values rise and fall and can go down. Values are before inflation. It leaves out the fund’s fee (at most 0.1% a year) and taxes when money comes out, and assumes the money stays invested after the last gift. Not investment advice.
Give to Charlotte
Celebrate Charlotte.
Choose how you’d like to give. Either way, the gift goes into Charlotte’s Trump Account.
A gift for Charlotte’s future
From abroad
Sending from abroad?
The usual money apps do not offer this route. Check what your bank allows where you live.
From Ukraine, try Wise or PayPal if they are available where you are. A bank wire is only possible when your bank can send it.
From Kazakhstan, PayPal can send to the family. Your bank can also send to a card or by SWIFT. A bank SWIFT can take a business day or more.
From the Philippines, Wise can send dollars to the family’s US bank account. PayPal works too. GCash can send to a US bank if you already use it.
From the UK, Wise is usually the simplest way to send dollars to the family. Revolut, PayPal, and Remitly also work.
From Europe, Wise is usually the simplest way to send dollars to the family. Revolut and PayPal work if you already use them.
Sending from abroad? Wise or PayPal can reach the family. Your bank can also wire the money.
The family hasn’t added a way to send from abroad yet. You can try the official link, or ask the family how to send a gift.
PayPal Works from abroad
Scott1536b
In the note, write: Lola
This goes to the family, who will add it to Charlotte’s account. It counts toward the yearly contribution cap once the family deposits it. You’ll see the fee before you pay.
Official site
Give on the official site
Give straight to Charlotte’s account on the official Trump Account site.
Give to Charlotte’s Trump Account
Opens the official contribution page
Rather give on your phone? Scan this to open the official site there.
- A debit card is the fast way on the official site.
- A bank transfer can take up to about 5 business days.
- Checks aren't accepted.
- A repeating gift needs a bank account.
All gifts together count toward the $5,000 a year cap.
Through the parent
Or send it to the parent, who will add it
Send with Venmo or PayPal. The parent will deposit it into Charlotte’s Trump Account. It counts toward the $5,000 a year cap.
Want a page like this for your kid?
Parents set one up with GiftGrows, and anyone with the link can give in a few taps.
Make a page for your kid →FAQ
Good questions.
Is it safe?
Use only the official link or QR code the parent shared on this page, and read the address bar before you pay. Never share a password or a one-time code with anyone, including GiftGrows. Treasury will not ask for those by email, text, or phone. The money sits in a trust account, trades clear through DTCC, and SIPC, the Securities Investor Protection Corporation, protects up to $500,000 if a brokerage fails. That protection does not cover a fall in the market, and the U.S. government does not guarantee the investment. There is no fee to add money. The fund's own fee cannot be more than 0.1% of the balance a year. GiftGrows is not the Treasury, the IRS, or the Trump Accounts program, and we never hold gift money.
Where does the money go?
A gift through the official link goes into the child's Trump Account and is invested automatically, usually within one business day. A debit card usually arrives within minutes and can take up to 30 minutes. A bank transfer can take up to five business days. The official site does not take paper checks, wire transfers, credit cards, or prepaid cards. If you send money to the parent, it goes to the parent, who deposits it into the child's Trump Account.
How much can I give?
In 2026, ordinary gifts share a $5,000 cap for that child. Once the cap is reached, further gifts wait until the next calendar year. The $1,000 Treasury deposit does not use up the cap. The childhood cap runs through December 31 of the year the child turns 17.
When can they use it?
The money generally stays put while the childhood rules apply, and those rules end by age 18. The IRS dates the change to January 1 of the year the child turns 18. The program website dates it to the child's 18th birthday. Those are not always the same day, so we are not naming one unlock date. Afterward, the account follows the rules of a traditional IRA, the ordinary retirement account. Taking earnings out before age 59½ can add a 10% tax. Qualified college costs, and a qualified first home up to $10,000, can be exceptions to that extra tax. The child can also leave the money invested.
Is my gift tax-deductible?
No. A personal gift, while the childhood rules apply, is not an income-tax deduction. That money is not taxed again when it comes out. Earnings are taxed later, when money is withdrawn. This is not tax advice, and it does not cover gift-tax questions.
Can I give from abroad?
The program says anyone can contribute. On the official site, payment is a linked bank account or a debit card. It describes most US-issued Mastercard, Visa, and Discover debit cards, and bank linking with a routing number. It does not take wire transfers, paper checks, credit cards, or prepaid cards. We have not confirmed that a bank or card from outside the United States works there. If you send money to the parent, it goes to the parent, who deposits it into the child's Trump Account. That deposit still counts toward the $5,000 cap.
Is this page official?
The Trump Account is the federal program. This page is GiftGrows. GiftGrows is not the Treasury, the IRS, or the Trump Accounts program, and we never hold gift money. The official way to give is the link or QR code the parent placed here. Any other payment goes to the parent, for them to deposit.
Can I still bring a little something?
Yes. A small present beside the gift is a lovely idea. The Trump Account is there so the money has a place to grow. The present is just from you.