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Start investing in your child’s future with a Trump account

Help your child benefit from a new government program—file IRS Form 4547 with your taxes.

File for free
Hypothetical illustration; see details below.*

The account that grows with your child

Elect to open an account for American children under 18

Claim all funds your child is eligible for—over $20 billion pledged so far

Deposit up to $5,000 per year to maximize tax-deferred growth potential

Manage your child’s account until they turn 18

ACCOUNT ELIGIBILITY

All U.S. children under 18 with a valid Social Security Number are eligible. Parents or guardians open and manage the account on their child’s behalf.

AVAILABLE SEED FUNDING

Children who qualify for federal pilot funds are eligible for $1,000. Other grant or match programs—like The Dell Foundation’s $6.25 billion pledge—may also be available.

Learn more about funding
CONTRIBUTIONS

Family, friends, and employers can contribute a total of $5,000 per year. Your child can access their account when they turn 18.

LONG-TERM INVESTMENT

Funds are automatically invested in diversified low-cost index funds that aim to deliver long-term growth. Parents or guardians can choose among eligible securities.

Not a recommendation. For illustration only. Eligibility of funds subject to change. All investing involves risk.
POTENTIAL RETURNS

The balance in your child’s Trump account is designed to grow with them over time, compounding year after year.*

Hypothetical illustration; see details below.*

Common questions

Is my child eligible for a Trump account?

Your child is eligible if they’re under 18 and have a valid Social Security number.

Trump accounts can be opened for eligible children by a legal guardian, parent, adult sibling, or grandparent of the eligible individual, in that order of priority.

How do I open an account?

At this time, parents and legal guardians can indicate they would like to open a Trump account for their dependent using IRS Form 4547 when you file your taxes. The government will share more details on next steps to complete account opening as they become available (expected around May 2026).

You can file your taxes for free with Cash App Taxes.  You can also mail a completed Form 4547 directly to the IRS.



Trump accounts will initially be opened with the financial institution selected by the government.  Parents and guardians can later transfer the account to an eligible institution of their choosing.

What seed funding is my child eligible for?

US citizens born between 2025 and 2028 qualify for the federal government’s pilot program contribution of $1,000.  You can claim this contribution via IRS Form 4547 when you file your taxes.

The Dell Foundation has pledged $250 each for 25 million US citizens age 10 and under (born before 2025) who live in ZIP codes with median household incomes below $150,000.

Other charitable organizations, state governments, and employers have pledged additional funds. Details are expected later this year.

When will the seed funding be deposited into my child’s account?

The first date funds can be deposited is July 4, 2026. For accounts that are open and ready by then, deposits are expected shortly after.  As information becomes available, we will keep customers updated. The Trump accounts website is another source for the latest information.

When can the funds be used?

When your child turns 18, they can access the funds for qualified expenses like education, a first home, or starting a business. Withdrawals are subject to the limits and tax rules that apply to individual retirement accounts (IRAs).

Where can I learn more?

For the most up-to-date information, visit the official Trump accounts website.

All details related to Trump accounts are subject to change based upon the government's final guidance.

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Hypothetical illustration of growth of an initial $1,000 investment, with a $5,000 annual contribution over 18 years, assuming 11.3% average compounded return. Does not reflect fund fees which would reduce return. While the goal is long-term growth, investing involves risk, including the possible loss of principal and is not a guarantee of future results.

“Trump Accounts" refers to accounts established under the One Big Beautiful Bill Act (or other applicable federal legislation). All account details, contribution limits, and eligibility requirements are subject to final legislation and federal guidance. 

Cash App is a financial services platform, not a bank. Banking services are provided by Cash App's bank partner(s). Investing products are not covered by FDIC. 

Brokerage services provided by Cash App Investing LLC, member FINRA/SIPC, subsidiary of Block, Inc. Investing involves risks; you may lose money.

This is not tax advice. Cash App does not provide tax advice. If you have questions about your particular tax situation, or the information you have on file, you should consult a tax advisor.

Exchange Traded Funds (ETFs) involves different risks, please read the prospectus carefully. 

Such risks include:

Market Risk: ETF prices fluctuate based on market conditions. You may lose money.

Liquidity & Trading: ETFs trade on exchanges and shares may trade at a premium or discount to their Net Asset Value (NAV).

Fees: Returns are reduced by management fees and trading costs.
 
Fractional shares investing may involve additional risks such as non-transferability. For additional information regarding the unique risks and limitations of fractional shares, please see your Investing Customer Account Agreement.

Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. Please see our house rules for more information.
Cash App Investing is a self-directed service; you are solely responsible for orders placed. Cash App Investing does not provide investment advice or recommendations.Cash App is a brand of Block, Inc.

Tax Filing Preparation services are provided by Cash App Taxes, Inc., a subsidiary of Block, Inc., and not Cash App Investing LLC.
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