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Trump Accounts App Downloads Surge. Here's Who's Eligible

Trump Accounts App Downloads Surge. Here's Who's Eligible

Summary

The U.S. Treasury Department launched a new app to manage "Trump Accounts," a savings and investment program for children signed into law in 2025. Almost 6 million kids have signed up, and eligible children born between 2025 and 2028 can receive a $1,000 federal contribution to help grow their savings over time.

Key Facts

  • The Trump Accounts program started under the One Big Beautiful Bill Act signed on July 4, 2025.
  • The app for managing these accounts quickly became the fourth most downloaded app in the U.S.
  • Trump Accounts are special individual retirement accounts for children under 18 with a Social Security number.
  • Contributions can come from parents, relatives, employers, charities, and government organizations.
  • Individuals and employers can contribute up to $5,000 per child each year, regardless of income.
  • The accounts invest in approved low-cost index mutual funds and exchange-traded funds connected to U.S. companies.
  • Withdrawals from the account are mostly blocked until the child turns 18, after which standard IRA rules apply.
  • Eligible children born between 2025 and 2028 may receive a $1,000 federal government contribution to their account.
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