Managing Trump Accounts for Your Family

Independent Guide to 26 U.S.C. § 530A

Trump Accounts (26 U.S.C. § 530A) are the federal program created by the One Big Beautiful Bill Act. Families with two or more children can open and manage separate accounts for each child, each eligible for the $1,000 government seed deposit (born 2025–2028).

Quick Family Overview

• Each child needs their own election (Form 4547 or portal)
• Employer matches up to $2,500 per dependent child
• Annual family contribution limit: $5,000 per account
• First contributions begin July 4, 2026

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