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Trump Account Key Dates and Deadlines (2025–2045)
Every date that matters for Trump Accounts in one place: what has already happened, the yearly deadline, and the last day to act for each birth year.
The short answer
The deadline most families need to know is December 31: contributions for each year must be in by then, with no extension to tax day. The $1,000 federal deposit must be elected by December 31 of the year the child turns 17, and the special Trump Account rules end on January 1 of the year the child turns 18. For a child born in 2009, 2026 is the only year to add money under those rules.
Dates that have already happened
| Date | What happened |
|---|---|
| July 4, 2025 | Trump Accounts created by the Working Families Tax Cuts law (also called the One Big Beautiful Bill Act) |
| December 2, 2025 | IRS Notice 2025-68 gives the first guidance; Michael and Susan Dell pledge $6.25 billion for $250 deposits |
| Early 2026 | Families start signing up by filing Form 4547, many with their 2025 tax returns |
| March 6, 2026 | Treasury and IRS propose rules for the $1,000 pilot program |
| July 4, 2026 | First day money can be put into a Trump Account |
| October 1, 2026 | Treasury automatically opens accounts for eligible children under 18 |
| October 9, 2026 | All Dell $250 deposits completed |
Deadlines every year
- December 31: last day for that year's contributions from family and employers. The $5,000 limit resets on January 1.
- 2026 and 2027: the limit is $5,000 per child, with up to $2,500 of it from a parent's employer. Both are adjusted for inflation after 2027.
Deadlines by birth year
Find your child's birth year. The $1,000 column only applies to children born 2025 through 2028.
| Born | Elect the $1,000 by | Last contribution by | IRA rules start |
|---|---|---|---|
| 2028 | Dec 31, 2045 | Dec 31, 2045 | Jan 1, 2046 |
| 2027 | Dec 31, 2044 | Dec 31, 2044 | Jan 1, 2045 |
| 2026 | Dec 31, 2043 | Dec 31, 2043 | Jan 1, 2044 |
| 2025 | Dec 31, 2042 | Dec 31, 2042 | Jan 1, 2043 |
| 2024 | — | Dec 31, 2041 | Jan 1, 2042 |
| 2023 | — | Dec 31, 2040 | Jan 1, 2041 |
| 2022 | — | Dec 31, 2039 | Jan 1, 2040 |
| 2021 | — | Dec 31, 2038 | Jan 1, 2039 |
| 2020 | — | Dec 31, 2037 | Jan 1, 2038 |
| 2019 | — | Dec 31, 2036 | Jan 1, 2037 |
| 2018 | — | Dec 31, 2035 | Jan 1, 2036 |
| 2017 | — | Dec 31, 2034 | Jan 1, 2035 |
| 2016 | — | Dec 31, 2033 | Jan 1, 2034 |
| 2015 | — | Dec 31, 2032 | Jan 1, 2033 |
| 2014 | — | Dec 31, 2031 | Jan 1, 2032 |
| 2013 | — | Dec 31, 2030 | Jan 1, 2031 |
| 2012 | — | Dec 31, 2029 | Jan 1, 2030 |
| 2011 | — | Dec 31, 2028 | Jan 1, 2029 |
| 2010 | — | Dec 31, 2027 | Jan 1, 2028 |
| 2009 | — | Dec 31, 2026 | Jan 1, 2027 |
The account doesn't close when the special rules end. From January 1 of the year your child turns 18, it follows traditional IRA rules: your child controls it, can add money only from their own earned income, and pays income tax on growth and free money when it's withdrawn.
Born in 2009? Act before December 31, 2026
A child born in 2009 turns 17 in 2026, so this is the first and last year money can go in under the Trump Account rules. If you want to use the $5,000 limit for them, it has to be in by December 31, 2026. Children born in 2010 get two years (2026 and 2027), and so on.
The $1,000 window closes for new babies after 2028
Only children born from January 1, 2025 through December 31, 2028 can get the $1,000. A baby born on January 1, 2029 or later can still have a Trump Account, but not the $1,000, unless Congress extends the pilot program.
Questions parents ask
Is there a deadline to claim my child's Trump Account?
No deadline has been announced for claiming an automatically opened account in the app. The money stays in the child's name either way. Claim it sooner so you can see the balance and add money.
Can I make last year's contribution before tax day, like an IRA?
No. Trump Account contributions for a year must be made by December 31 of that year.
What is the deadline for the $1,000?
Under the proposed rules, December 31 of the year the child turns 17. For a 2025 baby, that's December 31, 2042. No late relief is planned, so don't wait.
When does my child get control of the money?
From January 1 of the year they turn 18, the account follows traditional IRA rules and your child can access it. Withdrawals before 59½ usually carry a 10% penalty unless an exception applies, such as college costs or a first home.
Last checked November 11, 2026 against IRS guidance, the proposed regulations and Invest America.