MundoKit

Trump account contribution room calculator

Enter a child’s contribution sources for 2026 or 2027. See ordinary contribution room, employer allowances and an illustrative future value of those deposits.

Inputs
The SSN must be valid for employment and issued before the account election. Any required DHS work authorization must still be valid. Do not enter the number.
$
$
Total across A’s employers under section 128.
$
$
Optional second employee, such as the other parent. Enter zero if unused.
$
$
Only qualifying government/charity class-wide contributions. Ordinary gifts belong above.
Do not include it again if received in an earlier year or already inside the rollover balance. Eligibility and processing must be confirmed separately.
years
Hypothetical growth of the entered deposits only; no future deposits.
%
Choose your own assumption. Zero is a neutral starting point, not a forecast.

Results

Remaining ordinary contribution room
$2,000.00
Ordinary contributions counted
$3,000.00
Confirmed pilot deposit included
$1,000.00
Illustrative principal (rollover plus new deposits)
$4,000.00
Illustrative value after 10 years
$4,000.00
General IRA rules begin
2043-01-01
Additional deposits possible using one source at a time
SourceRoom
Family / ordinary gifts$2,000.00
Employee A employer (account and employee limits)$1,500.00
Employee B employer (account and employee limits)$2,000.00
Qualified general contributions / qualified rolloversOutside the ordinary annual cap
  • Employer room and family room are alternatives sharing the same annual account limit; do not add them together.
  • Pilot eligibility shown here checks birth year and citizenship only. The qualifying-child, election and no-prior-pilot conditions must also be met.
  • Illustration assumes all entered deposits are invested together at the start, with annual compounding and no later deposits, fees, taxes or inflation. Returns are not guaranteed.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

How it works

Account eligibility requires an SSN valid for employment, issued before the account election. Any required DHS work authorization must still be valid; having an SSN alone is insufficient. Do not enter the number.

Under the IRS Form 4547 instructions, ordinary deposits share a $5,000 annual cap for 2026 and 2027. Contributions cannot start before July 4, 2026. Qualified general contributions, qualified rollovers and the one-time $1,000 federal pilot deposit are outside that cap.

ordinary room = max(0, $5,000 − new family and employer deposits − current-year ordinary contributions at previous trustees) employer room for this child = min(ordinary room, employee’s unused $2,500 allowance)

For a rollover, enter its full balance and separately enter current-year family and employer contributions at previous trustees, using their transfer records (Notice 2025-68, Q&A F-4). Those contributions still use annual room but are not added to principal again. Count original contributions only once across multiple transfers. New-deposit fields exclude anything already in the rollover, including pilot and qualified general deposits. Employer deposits to other accounts exclude the previous-trustee amounts entered separately.

Notice 2025-68 applies the employer allowance per employee across their accounts and dependents. Enter up to two employees separately, combining each employee’s employers. Employer and family room share the account cap. Excess employer deposits are flagged for payroll review and still count as ordinary deposits.

illustrative future value = (rollover balance + new deposits) × (1 + annual return ÷ 100)^years

This is annual compounding of a single starting amount, following the Moneysmart formula. It assumes no future deposits, fees, taxes or inflation and is not a forecast or a withdrawal entitlement. Dollar outputs round to cents; intermediate calculations are not rounded.

Worked examples

Family, employer and federal pilot deposits

A U.S.-citizen child born in 2025 receives $2,000 from family, $1,000 from employee A’s employer and a confirmed $1,000 pilot deposit in 2026. Ordinary room is $2,000; A has $1,500 of employer allowance left if none was used elsewhere. Total deposits are $4,000. An assumed 5% return for two years gives $4,410.

Two employees fill the ordinary cap

Employees A and B each direct $2,500 of employer contributions to a child born in 2020. There are no other deposits or pilot payment. Ordinary room is $0. At an assumed 0% return for ten years, the entered $5,000 remains $5,000.

Frequently asked questions

Who qualifies for the federal pilot deposit?
The child must be a U.S. citizen born in 2025–2028 with an SSN valid for employment and issued before the account election. Any required DHS work authorization must still be valid. Qualifying-child and election requirements also apply, and a prior pilot election must not already have been processed. The checkbox represents a confirmed deposit, not an application.
Is every gift from a charity exempt from the annual cap?
No. Only qualified general contributions qualify for that treatment. Ordinary gifts belong in the family and other ordinary contributions field.
Can the child withdraw money before age 18?
Ordinary distributions are restricted during the growth period. Exceptions include qualified rollovers, certain ABLE rollovers at age 17, excess contribution corrections and death. The growth period ends December 31 of the preceding year; traditional IRA rules generally apply from January 1 of the year the child turns 18.
Does each child get a separate $2,500 employer allowance?
No. Notice 2025-68 applies the allowance per employee, shared across that employee’s dependents and accounts. Two different employees can each have an allowance, but the child’s ordinary account cap still applies.
Why are later contribution years unavailable?
The $5,000 and $2,500 amounts are indexed after 2027. This calculator makes no assumption about later indexed limits. Its growth illustration does not add future contributions.

Sources

Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.