U.S. children born 2025–2028 get $1,000 government accounts, growing to $5,800–$303,800 by 18.

Parents of children born between January 1, 2025, and December 31, 2028, can open government-funded "Trump Accounts" with a $1,000 initial deposit from the U.S. Treasury, available through IRS tax filing or an online portal launching July 5, 2026. Accounts, invested in low-cost index funds, may grow to $5,800 by age 18 without additional contributions or up to $303,800 with maximum annual contributions of $2,500 from parents or employers. Children cannot access funds until age 18, except in rare cases, and withdrawals are taxable. A $6.25 billion donation by Michael and Susan Dell provides $250 in seed money for children under 10 in lower-income ZIP codes. Contributions are not exempt from gift tax, requiring Form 709 reporting.