An investment account for a child
A Trump Account is a tax-deferred investment account for a child.
Source: Trump Accounts, Instructions for Form 4547
Guides
Trump Account guides, in plain words
Short guides for parents and for anyone who gives. Every rule on these pages links to the IRS, the Treasury, or the program's own help pages.
GiftGrows is not the Treasury, the IRS, or the Trump Accounts program, and we never hold gift money.
The Trump Account in one minute
The short version, before you pick a guide.
Invested for them
Gifts are invested automatically, usually within one business day, in a fund that tracks the S&P 500.
Source: Trump Accounts overview, Claim an account
Family and friends can add up to $5,000 a year
In 2026, ordinary contributions to one child's Trump Account share a $5,000 cap.
Source: Contributions FAQ, Trump Accounts overview
It waits for them
The child generally cannot take the money out while the childhood rules apply, and those rules end by age 18.
Source: Treasury and IRS guidance (IR-2025-117), Instructions for Form 4547
The $1,000 from the Treasury
Some children can receive a one-time $1,000 from the U.S. Treasury.
Source: Trump Accounts, Instructions for Form 4547
For givers
Grandparents, aunts, uncles, friends, and parents from the birthday party who were sent a link.
- A simple page so family and friends can give to a child's Trump AccountA plain-language guide to the Trump Account for parents and givers: what it is, who can give, how a gift reaches it, and what a gift page does.Read the guide →
- How to give to a child's Trump AccountThe official link, sending it to the parent instead, and how much you can give.Read the guide →
- Giving to a grandchild's Trump AccountWho claims the account, what to ask the parent, and a message you can send.Read the guide →
For parents
Claiming the account, making a page, and asking family.
- Claim the Trump Account, then share it with familyClaiming, the $1,000 election, the share link, and a page for family and friends.Read the guide →
- How to ask family for a gift that growsGood moments to ask, messages you can copy, and what helps.Read the guide →
Make a page for your kid. One calm page that explains the account and shows family and friends how to give, with the official link or a way to send it to you.
Make a page for your kidWhere these facts come from
Rules can change. Each guide shows the date we last checked it against these pages.
- Trump Accounts www.irs.gov
- Instructions for Form 4547 www.irs.gov
- Trump Accounts overview trumpaccount.com
- Claim an account trumpaccount.com
- Treasury and IRS guidance (IR-2025-117) www.irs.gov
- Contributions FAQ trumpaccount.com
- Treasury automatic enrollment, October 1, 2026 home.treasury.gov