Parents, family, and friends can contribute cash to your child’s account starting on or after July 4, 2026. When available through a qualified program, employers, donors, and state and local governments can make contributions to your child’s account.

We’ll send you instructions by email and in the app once your account is open and able to accept contributions, which will be on or after July 4. For detailed instructions, check out Make a contribution.

• Annual limit: For 2026, contributions are limited to $5,000 per year, per child. Contributions that exceed this limit won’t be accepted.
• Employer limit: Employers can contribute up to $2,500 per year, per employee. These contributions count toward the $5,000 annual limit.
• Exempt contributions: Qualified class contributions from donors and the one-time $1,000 pilot program contribution from the U.S. Department of the Treasury don't count toward the annual limit.

Once your child's annual contribution limit is reached, any additional contributions will be declined until the next calendar year. If you have recurring contributions scheduled, they'll automatically pause when the limit is reached and resume the following year. You don't need to take any action.

After a request has been submitted to your bank account or debit card account for processing, it can’t be canceled. Note that you can’t change the amount or frequency of an existing recurring schedule, but you can select Create a new schedule to set up a new one. To skip or cancel a recurring contribution:

1. In your child’s account, select Menu (3 bars) → Recurring contributions
2. In Recurring contributions, select a scheduled contribution that you want to skip or cancel
3. Select either Skip next contribution or Cancel recurring contribution
4. Follow the on-screen prompt to complete it

Depending on the type of account you’re contributing money from, a transfer reversal can happen for the following reasons.

Debit card contributions

With a debit card account, a transfer reversal can happen for a few reasons, including:

• Insufficient funds
• If your account has online purchases turned off (only allow in-person transactions)

Bank contributions

With a bank account, a contribution reversal can happen for a number of reasons, including:

• Insufficient funds
• Wrong type of account (doesn’t support ACH transactions)
• Duplicate transfer
• Declined transfer

To prevent reversals, we recommend confirming the following about your bank account before initiating another contribution:

• Has sufficient funds available
• Is compatible with standard outgoing ACH transfers, and that you’ve entered in the correct information when you linked the account
• Avoid savings accounts with limited monthly transactions (including any microdeposits to link an account)

For some reversals, we might also unlink your bank account. Check out Link accounts for details on how to relink your bank account.

After contributions are invested, the funds remain invested in the account and any dividends or capital distributions from holdings in the account will be reinvested. This long‑term investment approach is designed to help accounts grow steadily until a child reaches age 18.

Employers can contribute up to $2,500 per employee per year across all of an employee’s children’s Trump Accounts. If an employee has more than one child with a Trump Account, this limit applies to all their children’s accounts, not individually but as a whole. This amount counts toward the $5,000 annual contribution limit for each child.

Yes. A child may contribute their own money to their Trump Account before the account transitions to a traditional IRA at age 18. These contributions count toward the account’s annual $5,000 contribution limit.

Once the child assumes control of the account at age 18 and it transitions to a traditional IRA, they may continue making contributions themselves, subject to the eligibility requirements (including earned income requirements) and annual contribution limits that apply to traditional IRAs. For details, review the IRS’s article on IRA contribution limits.

Funds in Trump Accounts generally cannot be withdrawn before the child reaches age 18. Until December 31 of the calendar year in which the child (account beneficiary) reaches age 17, the account has a $5,000 annual contribution limit that is separate from other IRAs that the child may have. Until the child (account beneficiary) reaches age 18, the following rules apply:

• Can only be invested in eligible investments, and
• Distributions are generally restricted from the account

After December 31 of the year the child turns 17, no new contributions can be made until the child reaches the age of 18 and the account transitions to a traditional IRA. After the child reaches age 18, this strict block on account withdrawals ends, and the account transitions to, and must follow the standard rules of a traditional IRA.

For example, after this time, funds withdrawn from the account can be used without a 10% early distribution tax for certain eligible expenses, such as higher education expenses or a down payment on a first-time home purchase (up to $10,000 lifetime), subject to ordinary income tax.

A child can also keep the money invested in the account and continue to let it grow, providing potential long-term financial security later.

We do not provide tax advice. For specific questions, consult a tax professional.