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Trump account timeline

Enter a child's birth date to see the dates that matter for their Trump account (IRC §530A): when money can go in, the $1,000 pilot, when contributions stop, and when IRA rules take over. Add a ZIP code to see the donor gifts announced for that area.

Planning ahead? An expected due date works too. The ZIP lookup runs on this page; nothing is stored.

Employers that announced contributions ()

Employer money goes only to employees' own children. It counts toward the $5,000 yearly limit, and up to $2,500 a year per employee is tax-free under section 128. Most of these match the $1,000 pilot for children born 2025 through 2028. Ask HR how to sign up. Each name links to the company's announcement, as cited by the Americans for Tax Reform tracker (as of October 19, 2026).

    Other announced donors, not matched by ZIP (6)

    These have been announced, but there is no published rule a ZIP code can be checked against yet. Worth watching for details.

    • VanguardMalvern, PAA matching gift for families with eligible children in select neighborhoods near Vanguard offices. The neighborhoods have not been published. Vanguard, Apr 6, 2026
    • Nicki Minaj$150,000 to $300,000 toward fans' children's accounts (January 2026). How fans qualify has not been published. CNBC, Jan 28, 2026
    • Harold Hamm / Continental ResourcesOklahoma City, OKSigned on as a philanthropic contributor and plans to give in every state where Continental operates. No amounts or rules yet. Treasury, Business Insider
    • Pivot BioMinnetonka, MN$1,000 to $5,000 family grants to eligible farm customers starting with the 2027 growing season, which the company hopes families put toward a child's account. Paid to the farm, not into the account. Pivot Bio, June 30, 2026
    • Michael and Susan Dell, foster careMoney is reserved for children in foster care, with details still being worked out and deposits expected next year. Invest America
    • States opening accounts for foster childrenAlabama, Arkansas, Colorado, Hawaii, Idaho, Iowa, Louisiana, Missouri, Montana, Nebraska, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Wyoming and others have said the state will open a Trump account for each foster child. That opens the account; it does not by itself add money. HHS, Fostering the Future FAQ; each state's announcement is on the ATR tracker

    Sources: IRC §§530A, 128 and 6434; T.D. 10056 temporary regulations, Reg. §1.530A-1T (IRB 2026-44); Notice 2025-68; proposed Reg. §301.6434-1 (the $1,000 pilot, March 2026, not yet final). Donor gifts: Invest America's published ZIP lists for the Dell (October 9, 2026) and Shotwell (October 28, 2026) gifts; donor and company announcements as linked; the Americans for Tax Reform tracker; Census 2020 ZIP-to-county relationship file; Census ACS 2020 to 2024 median family income (table B19113).

    Informational only, not tax advice. Dates follow the rules as published through November 2026. Treasury and the IRS are still issuing guidance, and the pilot rules are proposed, so check the current rules or talk to a tax professional before acting on any date here.

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