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Trump Account Contribution Tracker
The $5,000 annual limit is per child, shared by everyone — parents, grandparents, friends and employers all draw from the same pool. Families routinely go over without realising, and excess contributions attract a 6% penalty every year until removed.
Track who has contributed what, and see exactly how much room is left.
Add a child
Share with your family
Send this link to anyone else contributing — they can see the running total and add their own. Your figures are stored inside the link itself, not on our servers. We never see them.
How the limits work
Is the $5,000 per child or per parent?
Per child, per calendar year, combined across every contributor — including employers. Two parents cannot each contribute $5,000 to the same child.
Does the $1,000 federal contribution count toward it?
No. The one-time pilot contribution sits outside the annual cap. A qualifying child can receive $1,000 and still have $5,000 contributed that year.
How does the employer limit work?
An employer can contribute up to $2,500 per year per employee, not per child. An employee with three children in the growth period shares a single $2,500 across all of them. That $2,500 also counts inside each child’s $5,000 cap — it is not extra room.
What happens if we go over?
Excess contributions attract a 6% penalty on the over-contributed amount every year until the excess is removed. On a $1,000 excess that is $60 annually, recurring. Speak to a tax professional about the correct way to withdraw it.
When is the deadline?
31 December of that year. Unlike a regular IRA, there is no grace period running to the April tax deadline. Miss it and that year’s room is gone.
Do you store our figures?
No. Everything is encoded in the page link and saved in your own browser. Nothing is sent to or stored on our servers. There is no signup and no email required.
This tool is for educational purposes only and is not financial or tax advice. We do not collect or store any personal information — never enter a Social Security number, date of birth or account number anywhere on this site. USATrumpAccounts.com is an independent educational resource and is not affiliated with, endorsed by, or operated by the U.S. Government, the IRS, the Department of the Treasury, or TrumpAccounts.gov. Verify current contribution limits with the IRS before contributing.