Update 7/10/26:
- People already received the $1,000 money for their children. Money started flowing on July 4th.
- You can still signup now for children born from 2025 through 2028 – again, manual signup is required, the money does not come automatically.
- The $250 Dell money is for select zip codes and only for children born from 2016 through 2024. You can check your zip code at this link.
- Updated a few details in the post below. I’m also opening the comments again. If it gets uncivil we’ll close them up again.
Update: Comments now closed.
Original Post 2/11/26:
Just a quick headsup: The new ‘Trump Account’ is now available for signup at trumpaccounts.gov.
- Children born between Jan. 1, 2025, and Dec. 31, 2028, with a valid Social Security number are eligible for a $1,000 federal contribution.
- On a first-come-first-serve basis, there is a $250 contribution from the Dell family for children under 10 living in select zip codes (those with a median income of $150,000 or less) who were born in 2016 through 2024.
- There are some employers offering a match to the account as well.
At trumpaccounts.gov you can find Form 4547 to fill out and make you eligible. I believe that form will get you in queue for the Dell money as well.
Some other details:
- Parents or guardians can contribute up to $5,000 annually. Employer contributions up to $2,500 are allowed and are not considered taxable income for the employee.
- Note: many advise contributing to a 529 plan instead of this Trump Account. Meaning, just take the freebie contribution and put any additional money in a 529 instead. Please do your own research on the details of each account.
- The federal money is supposed to come in July. I’m not sure about the Dell money.
- You can search the median income in your area at this link. I checked a bunch of zip codes and it seems like almost everyone will be eligible.
There’s no specific rush to sign up today for the $1,000 federal money, but the Dell money could run out if you delay signing up.
Note, the Dell money is for eligible children age 10 and younger. That’s different than the $1,000 federal money which is for children born in 2025-2028.
I’d really prefer if people can keep the discussion on point, but we might have to close comments if it gets too politically crazy. We’re really just posting this so people don’t lose out on the bonus for their kids.
