Who Gets the $1,000 Trump Account Seed?

The $1,000 federal seed goes to a child only if they are a U.S. citizen with a valid Social Security number, and were born between January 1, 2025 and December 31, 2028. A Trump Account can still be opened for a child outside that birth window, but it starts at $0 instead of $1,000.

The $1,000 seed is a one-time deposit from the federal government, separate from anything a family, employer, charity, or government contributes later — and it doesn’t count against the $5,000 annual contribution cap. But it isn’t automatic for every Trump Account.

The two conditions

1. Born January 1, 2025 through December 31, 2028. A child born on either side of that window — say, in 2024 or in 2029 — doesn’t receive it, regardless of when the account is opened.
2. U.S. citizen with a valid Social Security number. A child without a Social Security number, or who isn’t a U.S. citizen, doesn’t qualify for the seed even if born inside the window.

Both conditions have to be true. There’s no partial seed, no phase-out — it’s the full $1,000 or nothing.

A Trump Account without the seed still exists

Missing the birth-year window doesn’t disqualify a child from having a Trump Account at all. A 10-year-old, for instance, can have one opened for them; it simply starts at $0 rather than $1,000, and grows only from whatever family, an employer, or others contribute going forward, subject to the same $5,000-a-year combined cap as any other Trump Account.

Does it matter which year within the window a child was born?

No — a child born in January 2025 and one born in December 2028 both get the same flat $1,000. What does change is how many years of contributions fit before the account must stop accepting new money (the year the child turns 18) and before it converts to a traditional IRA. A child born earlier in the window has more time for both contributions and growth to compound. Run a specific birth year through the Trump Account calculator to see the difference.