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This is an independent, unofficial tool by plusbeauxjours. It is not affiliated with the U.S. Treasury, the IRS, Invest America, or the Dell family. Information only, not financial, tax, or legal advice. Rules can change. Confirm in the official Trump Accounts app or at TrumpAccounts.gov.
The rules, and where they come from
| Rule | How we apply it | Source |
|---|---|---|
| $1,000 seed: birth date | Born Jan 1, 2025 through Dec 31, 2028. | Source: 26 U.S.C. § 6434 (opens in a new tab) · checked |
| $1,000 seed: citizen + SSN | “No” to either → not eligible (not-citizen is checked first). “Not sure” → eligible, with the condition shown. | Sources: 26 U.S.C. § 6434 (opens in a new tab), IRS Form 4547 (opens in a new tab) · checked |
| $1,000 seed: already filed | Claimed or Form 4547 before Oct 1, 2026 → “you likely already elected it”. | Source: Help Center: Claim form (opens in a new tab) · checked |
| $1,000 seed: expecting | A date after today → steps for after the birth. | Sources: 26 U.S.C. § 6434 (opens in a new tab), Help Center: Claim form (opens in a new tab) · checked |
| Too old | Birth year + 18 ≤ this year → no new election (the child must not turn 18 before the end of the election year). | Sources: 26 U.S.C. § 530A (opens in a new tab), Federal Register 2026-20026 (opens in a new tab) · checked |
| Dell $250: birth years | Born 2016 through 2024 (calendar years). | Source: Invest America: Dell $250 (opens in a new tab) · checked |
| Dell $250: ZIP income | ZIP median family income ≤ $115,000 → likely. Between $115,000 and $150,000 with “claimed before Oct 1” = Yes → may be included under the earlier rule. Otherwise likely not. | Sources: Invest America: Dell $250 (opens in a new tab), Census ACS B19113 (opens in a new tab) · checked |
| Dell $250: close to the line | Shown when the ZIP income is within its Census margin of error of the line that applies. | Source: Census ACS B19113 (opens in a new tab) · checked |
| Dell $250: no estimate | No ZIP, a ZIP not in the Census data, or no Census estimate → we can’t estimate (children on military bases were included). | Sources: Invest America: Dell $250 (opens in a new tab), Census ACS B19113 (opens in a new tab) · checked |
How the ZIP estimate works, and its limits
- We use the Census Bureau’s American Community Survey 2020–2024 5-year estimates, table B19113 (median family income), for all 33,772 ZIP Code Tabulation Areas (ZCTAs). 3,722 of them have no estimate.
- Your browser downloads the whole table once (about 180 KB) after you enter a ZIP, and looks your ZIP up on your device. The ZIP itself is never sent anywhere.
- ZCTAs approximate USPS ZIP codes; a ZIP you type may not be in the Census data.
- Every estimate has a margin of error. Results within it are marked “close to the line”.
- Census top-codes the highest incomes; we show those as “$250,000+”.
- The official list of included ZIPs is not published, and the ZIP Treasury has on file may differ. Our ZIP result is an estimate.
Sources: Census ACS B19113 (opens in a new tab), Census Reporter B19113 (opens in a new tab), Invest America: Dell $250 (opens in a new tab) · checked
How the projection works
For the “What it could grow to by 18” section:
- The 18th birthday is the end date (a Feb 29 birthday uses Feb 28 in non-leap years).
- The start is today, or the due date for a child not yet born. No projection once the child is 18.
- The $1,000 seed and the Dell $250 (when they apply and are switched on) go in on the start date.
- The yearly amount (family plus employer, up to $5,000 combined and $2,500 from an employer) goes in once in each calendar year from the start year through the year the child turns 17: on the start date in the first year, then on Jan 1.
- Value at 18 = the sum of each deposit × (1 + yearly return) ^ (days until the 18th birthday ÷ 365.25), rounded to whole dollars. We show 0%, 4% and 7% a year side by side, plus your own rate from 0 to 12% if you add one.
- We keep $5,000 as the limit for every year; after 2027 it will be adjusted for inflation, but the amount is not yet published.
- Hypothetical. Nominal dollars (not adjusted for inflation), before the fund’s fee (capped at 0.1%/yr) and taxes. Returns are not guaranteed; the account can lose value. Not investment advice. We name no funds.
- For context we show Treasury’s own table of what $1,000 invested in U.S. stocks at each age was worth at 18 for children born 1926–2006 (10th, 50th and 90th percentile).
Sources: 26 U.S.C. § 530A (opens in a new tab), 26 U.S.C. § 128 (opens in a new tab), Federal Register 2026-20026 (opens in a new tab), Help Center: Contributions (opens in a new tab), Help Center: Investing (opens in a new tab) · checked
Unverified or not included
- The official list of ZIP codes that got the Dell $250 is not published; ours is an estimate.
Source: Invest America: Dell $250 (opens in a new tab) · checked
- The exact date a given account shows the Dell $250 (only “expected by the end of the day Oct 9, 2026”).
Source: Invest America: Dell $250 (opens in a new tab) · checked
- A deadline to elect the $1,000: none stated on the pages we checked.
Sources: Help Center: Claim form (opens in a new tab), IRS IR-2026-31 (opens in a new tab) · checked
- The yearly limit after 2027 (inflation-adjusted, not yet published).
Source: 26 U.S.C. § 530A (opens in a new tab) · checked
- Dell contributions for children in foster care: “details still being determined”, expected next year.
Source: Invest America: Dell $250 (opens in a new tab) · checked
- Employer contributions: “coming soon” per the help center; an employer must have a written program.
Sources: Help Center: Contributions (opens in a new tab), 26 U.S.C. § 128 (opens in a new tab) · checked
- Not included on purpose: fund names or recommendations, state or county donor programs (none verified), tax advice, and any quotes from politicians.
Changelog
- : Launch. Facts and sources checked Oct 8, 2026.