Coming soon

Trump Accounts are coming to UNest.

A new savings account for kids, created by federal law in 2025. Join the waitlist. We’ll email you the day you can open one.

Manage it next to your child’s other accounts.
Plain-English help at every step.
Joining the waitlist is free.

Join the waitlist.

We’ll email you when Trump Accounts open at UNest. No spam.

Program details are subject to final IRS and Treasury guidance.

The basics

What a Trump Account is, in three parts.

Who’s eligible.
Accounts are for U.S. children. Some children may qualify for a starting deposit from the government.
Under IRS proposed rules, U.S.-citizen children born 2025–2028 with a Social Security number qualify for the seed.
The $1,000 seed.
Eligible children may get a one-time deposit from the government to start their account.
Under IRS proposed rules, the seed is a separate election on IRS Form 4547 or at trumpaccounts.gov. It isn’t automatic.
Adding to it.
Parents and family can add money over the years, up to a yearly limit.
Employers can add up to $2,500 a year. Contributions have been allowed since July 4, 2026. The yearly limit is $5,000 per child, from individuals and employers combined.

The 3 buckets

How a Trump Account fits with your other options.

Many families use more than one. Each does a different job.

Trump Account
Coming soon
What it’s for
Long-term savings for your child. From 18, it follows most traditional IRA rules.
Who controls it
A parent or guardian, until your child is an adult.
When your child gets it
At 18. Until then, money generally can’t come out.
Join the waitlist
Custodial account (UTMA)
Open today
What it’s for
Anything that benefits your child: a car, a first apartment, college or a head start.
Who controls it
You, as the custodian, until your child comes of age.
When your child gets it
At the age your state sets, usually 18 to 25.
Get Started
529 plan
Education
What it’s for
School costs, like college tuition. Other uses may have penalties.
Who controls it
The account owner, usually a parent, for as long as it’s open.
When your child gets it
When you pay for school. The owner decides.
UTMA vs. 529, explained

This is a simple overview, not tax or legal advice. UNest does not provide tax advice.

FAQs

Questions parents ask.

When can I open a Trump Account at UNest?

Soon. Join the waitlist and we’ll email you the day they open.

Does it cost anything to join the waitlist?

No. The waitlist is free.

Is my child eligible for the $1,000 seed?

Under IRS proposed rules, U.S.-citizen children born 2025 through 2028 with a Social Security number qualify. You have to elect it; it isn’t automatic.

Should I wait, or open a custodial account now?

You don’t have to wait. A custodial account works today, and you can add a Trump Account later. Both can live in UNest.

Can grandparents add money?

Yes. Relatives can contribute, along with parents and employers, up to $5,000 per child per year in total. Grandparents can already give to a UNest custodial account with a gift link.

Are Trump Accounts taxed?

The money grows tax deferred, so no tax is due until it comes out. When it does, only the earnings on money you and other people put in may be taxed. Money from employers, government programs or charities may be taxed in full, earnings included. A penalty may also apply. UNest does not provide tax advice. Talk to a tax professional about your situation.